- ISIN
- US4333231029
- CUSIP
- 433323102
- Sector
- Financial Services
- Industry
- Banks - Regional
- IPO Date
- Feb 25, 1992
Highlights
- Market Cap
- $630.35M
- Enterprise Value
- $2.04B
- EPS (TTM)
- $22.80
- PE Ratio
- 12.51
- PEG Ratio
- 2.06
- Total Revenue (TTM)
- $227.51M
- Gross Profit (TTM)
- $97.98M
- EBITDA (TTM)
- $67.53M
- Year Range
- $230.07 - $338.00
- ROA (TTM)
- 1.11%
- ROE (TTM)
- 10.42%
Share Price Chart
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Performance
HIFS Performance Chart
Hingham Institution for Savings (HIFS) is up 1.2% since the beginning of the year. At $285 per share, HIFS is trading 15.6% below its 52-week high of $338. Investors who bought $1,000 worth of HIFS shares 5 years ago would now be looking at an investment worth $1,043.
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Returns By Period
Hingham Institution for Savings (HIFS) has returned 1.21% so far this year and 28.91% over the past 12 months. Over the last ten years, HIFS has returned 10.00% per year, falling short of the S&P 500 Index benchmark, which averaged 13.88% annually.
Hingham Institution for Savings
- 1D
- 0.25%
- 1M
- 0.17%
- YTD
- 1.21%
- 6M
- -2.01%
- 1Y
- 28.91%
- 3Y*
- 13.53%
- 5Y*
- 0.84%
- 10Y*
- 10.00%
Benchmark (S&P 500 Index)
- 1D
- -0.37%
- 1M
- -0.01%
- YTD
- 9.16%
- 6M
- 8.64%
- 1Y
- 25.22%
- 3Y*
- 19.78%
- 5Y*
- 11.99%
- 10Y*
- 13.88%
HIFS Monthly Returns History
Based on dividend-adjusted daily data since Feb 25, 1992, HIFS's average daily return is +0.08%, while the average monthly return is +1.47%. At this rate, an investment would double in approximately 4.0 years.
Historically, 61% of months were positive and 39% were negative. The best month was Jul 2024 with a return of +39.4%, while the worst month was Aug 1998 at -22.0%. The longest winning streak lasted 10 consecutive months, and the longest losing streak was 6 months.
On a daily basis, HIFS closed higher 38% of trading days. The best single day was Mar 26, 2020 with a return of +22.4%, while the worst single day was Dec 19, 2008 at -15.8%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 5.62% | -6.48% | 2.41% | -0.57% | 2.05% | -1.39% | 1.21% | ||||||
| 2025 | 0.68% | 1.75% | -8.44% | 4.95% | -2.62% | 2.45% | -1.40% | 16.34% | -7.17% | 11.56% | -0.25% | -3.06% | 12.82% |
| 2024 | -4.91% | -9.13% | 3.86% | -3.19% | 1.55% | 4.67% | 39.39% | 3.33% | -5.32% | 4.20% | 12.01% | -10.28% | 31.87% |
| 2023 | 5.94% | -2.61% | -18.00% | -16.38% | -0.89% | 10.56% | 4.65% | -10.46% | -6.25% | -20.11% | 9.71% | 19.64% | -28.60% |
| 2022 | -7.63% | -7.22% | -4.62% | -5.70% | -0.08% | -12.09% | 2.41% | 2.38% | -15.42% | -1.30% | 18.70% | -5.53% | -33.55% |
| 2021 | 1.51% | 10.54% | 17.07% | 7.36% | -4.57% | 0.09% | 3.10% | 8.53% | 3.76% | 7.45% | 8.13% | 7.83% | 95.96% |
Benchmark Metrics
Hingham Institution for Savings has an annualized alpha of 19.29%, beta of 0.33, and R2 of 0.03 versus S&P 500 Index. Calculated based on daily prices since February 25, 1992.
- This stock participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (78.61%) than losses (38.18%) - typical of diversified or defensive assets.
- Beta of 0.33 may look defensive, but with R2 of 0.03 this stock is largely uncorrelated with S&P 500 Index - low beta reflects independence, not downside protection. See the Volatility section for a true picture of this stock's risk.
- R2 of 0.03 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.
- Alpha
- 19.29%
- Beta
- 0.33
- R²
- 0.03
- Upside Capture
- 78.61%
- Downside Capture
- 38.18%
Return for Risk
Risk / Return Rank
HIFS ranks 63 for risk / return — better than 63% of stocks on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for Hingham Institution for Savings (HIFS) and compare them to S&P 500 Index.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| HIFS | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -1.38 | ||
| Sortino ratioReturn per unit of downside risk | -1.60 | ||
| Omega ratioGain probability vs. loss probability | 1.14 | 1.37 | -0.22 |
| Calmar ratioReturn relative to maximum drawdown | 1.37 | 2.78 | -1.41 |
| Martin ratioReturn relative to average drawdown | 2.63 | 12.44 | -9.81 |
Dividends
Dividend History
Hingham Institution for Savings provided a 1.13% dividend yield over the last twelve months, with an annual payout of $3.22 per share.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $3.22 | $2.52 | $1.89 | $2.52 | $3.03 | $2.83 | $3.48 | $1.54 | $1.39 | $1.30 | $1.22 | $2.14 |
Dividend yield | 1.13% | 0.89% | 0.74% | 1.30% | 1.10% | 0.67% | 1.61% | 0.73% | 0.70% | 0.63% | 0.62% | 1.79% |
Monthly Dividends
The table displays the monthly dividend distributions for Hingham Institution for Savings. The dividends shown in the table have been adjusted to account for any splits that may have occurred.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | $1.33 | $0.00 | $0.00 | $0.00 | $0.63 | $0.00 | $1.96 | ||||||
| 2025 | $0.63 | $0.00 | $0.00 | $0.00 | $0.63 | $0.00 | $0.00 | $0.63 | $0.00 | $0.00 | $0.63 | $0.00 | $2.52 |
| 2024 | $0.00 | $0.00 | $0.00 | $0.00 | $0.63 | $0.00 | $0.63 | $0.00 | $0.00 | $0.00 | $0.63 | $0.00 | $1.89 |
| 2023 | $0.00 | $0.00 | $0.00 | $0.63 | $0.00 | $0.00 | $0.63 | $0.00 | $0.00 | $0.63 | $0.00 | $0.63 | $2.52 |
| 2022 | $0.00 | $0.00 | $0.00 | $0.57 | $0.00 | $0.00 | $0.59 | $0.00 | $0.00 | $0.61 | $0.00 | $1.26 | $3.03 |
| 2021 | $0.00 | $0.00 | $0.00 | $0.49 | $0.00 | $0.00 | $0.51 | $0.00 | $0.00 | $0.53 | $0.00 | $1.30 | $2.83 |
Dividend Yield & Payout
Dividend Yield
Hingham Institution for Savings has a dividend yield of 1.13%, which signifies it pays a smaller percentage of its stock price in dividends to its shareholders compared to other companies in the market.
Payout Ratio
Hingham Institution for Savings has a payout ratio of 10.93%, which is below the market average. This means Hingham Institution for Savings returns a smaller proportion of its earnings to shareholders as dividends, suggesting it retains a higher portion for reinvestment, growth, or debt payment.
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the Hingham Institution for Savings. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the Hingham Institution for Savings was 64.79%, occurring on Oct 31, 2023. The portfolio has not yet recovered.
The current Hingham Institution for Savings drawdown is 30.41%.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
2023 bear market2023 | -64.79%Oct 2023 | 1y 9mo | — | 4y 5moJan 2022 - now |
Dot-com crash2000–2002 | -50.20%Apr 2000 | 2y 11d | 1y 2mo | 3y 3moApr 1998 - Jul 2001 |
COVID crash2020 | -43.68%Mar 2020 | 2y 3mo | 9mo 25d | 3y 1moDec 2017 - Jan 2021 |
Financial crisis2007–2009 | -43.09%Mar 2009 | 3y 10mo | 1y 4mo | 5y 2moApr 2005 - Jul 2010 |
1993 bear market1993 | -34.09%Jul 1993 | 4mo 15d | 10mo 28d | 1y 3moMar 1993 - Jun 1994 |
Drawdown Indicators
| HIFS | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -64.79% | -56.78% | -8.01% |
Max Drawdown (1Y)Largest decline over 1 year | -21.14% | -9.10% | -12.04% |
Max Drawdown (3Y)Largest decline over 3 years | -34.16% | -18.90% | -15.26% |
Max Drawdown (5Y)Largest decline over 5 years | -64.79% | -25.43% | -39.36% |
Max Drawdown (10Y)Largest decline over 10 years | -64.79% | -33.92% | -30.87% |
Current DrawdownCurrent decline from peak | -30.41% | -1.80% | -28.61% |
Average DrawdownAverage peak-to-trough decline | -15.63% | -10.71% | -4.92% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 11.03% | 2.03% | +9.00% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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Financials
Financial Performance
The chart below illustrates the trends in the financial health of Hingham Institution for Savings over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.
Valuation
The Valuation section provides an overview of how Hingham Institution for Savings is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.
PE Ratio
The chart displays the Price-to-Earnings (P/E) ratio for HIFS, comparing it with other companies in the Banks - Regional industry. Currently, HIFS has a P/E ratio of 12.5. This P/E ratio is in line with the industry average, suggesting the stock may be fairly valued relative to its earnings.
PEG Ratio
The chart shows the Price/Earnings to Growth (PEG) ratio for HIFS compared to other companies in the Banks - Regional industry. HIFS currently has a PEG ratio of 2.1. This PEG ratio is close to the industry average, suggesting the stock’s valuation is balanced against its growth outlook.
PS Ratio
This chart shows the Price-to-Sales (P/S) ratio for HIFS relative to other companies in the Banks - Regional industry. Currently, HIFS has a P/S ratio of 2.8. This P/S ratio falls within the average range for the industry, suggesting the stock is fairly valued based on its revenue.
PB Ratio
The chart illustrates the Price-to-Book (P/B) ratio for HIFS in comparison with other companies in the Banks - Regional industry. Currently, HIFS has a P/B value of 1.3. This P/B ratio is in line with the industry average, suggesting the stock is valued fairly in relation to its book value.
Income Statement
| TTM | |
|---|---|
Revenue | — |
Total Revenue | — |
Cost Of Revenue | — |
Gross Profit | — |
Operating Expenses | — |
Selling, General & Admin Expenses | — |
R&D Expenses | — |
Depreciation And Amortization | — |
Total Operating Expenses | — |
Income | — |
Income Before Tax | — |
Operating Income | — |
EBITDA | — |
EBIT | — |
Earnings From Continuing Operations | — |
Net Income | — |
Income Tax Expense | — |
Other Non-Operating Income (Expenses) | — |
Extraordinary Items | — |
Discontinued Operations | — |
Effect Of Accounting Charges | — |
Non Recurring | — |
Minority Interest | — |
Other Items | — |
Interest Income | — |
Interest Expense | — |
Net Interest Income | — |
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