HIFS

Hingham Institution for Savings

Financial Services · $668M market cap

Verdict

Share price

$287.78

close of Oct 3, 2026

Fair value

$323.40

Sticker Price

Payback Price

$129.36

buy price

Undervalued

HIFS is Undervalued: at $287.78 it trades 11% below its fair value of $323.40. Its buy price (Payback Price) is $129.36, 55% below today's price. Business quality is solid: 3 of 5 key numbers clear the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

3 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth15.0% a year✓
Equity per share growth13.6% a year✓
Sales growth9.5% a year✗
Free cash flow growth15.5% a year✓
Return on invested capital1.3%✗

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About Hingham Institution for Savings

Hingham Institution for Savings is a financial services provider that offers a diverse array of banking solutions to both individual consumers and corporate entities throughout the U.S. Its comprehensive selection of deposit accounts encompasses savings, checking, money market, demand deposit, and negotiable order of withdrawal (NOW) options, alongside certificates of deposit (CDs). The institution also extends…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works