Hingham Institution for Savings (HIFS) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Hingham Institution for Savings

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Why is Hingham Institution for Savings ?

Efficient Cost Management with a low Cost to Income Ratio of 38.59%

With a growth in Interest of NAN%, the company declared Outstanding results in Dec 25

The company has declared positive results for the last 2 consecutive quarters
NII(Q) Highest at USD 20.99 MM
OPERATING CASH FLOW(Y) Highest at USD 28.18 MM
ROCE(HY) Highest at 1.21%

With ROA of 1.09%, it has a fair valuation with a 1.21 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 16.36%, its profits have risen by 93.5% ; the PEG ratio of the company is 0.1

High Institutional Holdings at 66.75%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 2.51% over the previous quarter.

Real-Time Research Report

Verdict Report

How much should you buy?

Overall Portfolio exposure to Hingham Institution for Savings should be less than 10%
Overall Portfolio exposure to Savings Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Hingham Institution for Savings for you?

High Risk, High Return

Absolute

Risk Adjusted

Volatility

Hingham Institution for Savings

17.82%

1.25

46.88%

S&P 500

14.9%

0.77

19.29%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

14.23%

EBIT Growth (5y)

0.86%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

10.18%

Pledged Shares

Institutional Holding

66.75%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.21

EV to EBIT

22.22

EV to EBITDA

22.05

EV to Capital Employed

1.07

EV to Sales

7.76

PEG Ratio

0.11

Dividend Yield

1.20%

ROCE (Latest)

4.81%

ROE (Latest)

11.37%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Dow Theory

No Trend

Mildly Bullish

OBV

Mildly Bearish

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

25What is working for the Company

NII(Q)

Highest at USD 20.99 MM

OPERATING CASH FLOW(Y)

Highest at USD 28.18 MM

ROCE(HY)

Highest at 1.21%

OPERATING PROFIT(Q)

Highest at USD 13.29 MM

OPERATING PROFIT MARGIN(Q)

Highest at 25.16 %

PRE-TAX PROFIT(Q)

Highest at USD 27 MM

NET PROFIT(Q)

Highest at USD 20.72 MM

EPS(Q)

Highest at USD 9.39

-4What is not working for the Company

ROCE(HY)

Lowest at 1.21%

DIVIDEND PAYOUT RATIO(Y)

Lowest at 6.71%

CREDIT DEPOSIT RATIO(HY)

Lowest at 154.12%

Here's what is working for Hingham Institution for Savings

NII

Highest at USD 20.99 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Operating Profit

Highest at USD 13.29 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Operating Profit trend is quite positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 25.16 % and Grown

In each period in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Operating Cash Flow

Highest at USD 28.18 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Pre-Tax Profit

Highest at USD 27 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Pre-Tax Profit

At USD 27 MM has Grown at 79.45%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 20.72 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Net Profit

At USD 20.72 MM has Grown at 82.14%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 9.39

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Here's what is not working for Hingham Institution for Savings

Credit Deposit Ratio

Lowest at 154.12%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)

Dividend Payout Ratio

Lowest at 6.71%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)