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Upturn AI SWOT - About
HIFS 
Hingham Institution for Savings (HIFS)
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Upturn Advisory Summary
04/01/2025: HIFS (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -19.64% | Avg. Invested days 33 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 583.96M USD | Price to earnings Ratio 25.39 | 1Y Target Price - |
Price to earnings Ratio 25.39 | 1Y Target Price - | ||
Volume (30-day avg) 18193 | Beta 0.99 | 52 Weeks Range 158.23 - 299.26 | Updated Date 03/30/2025 |
52 Weeks Range 158.23 - 299.26 | Updated Date 03/30/2025 | ||
Dividends yield (FY) 0.94% | Basic EPS (TTM) 10.55 |
Earnings Date
Report Date 2025-04-10 | When Before Market | Estimate - | Actual - |
Profitability
Profit Margin 39.6% | Operating Margin (TTM) 56.76% |
Management Effectiveness
Return on Assets (TTM) 0.53% | Return on Equity (TTM) 5.62% |
Valuation
Trailing PE 25.39 | Forward PE - | Enterprise Value 2107535104 | Price to Sales(TTM) 8.03 |
Enterprise Value 2107535104 | Price to Sales(TTM) 8.03 | ||
Enterprise Value to Revenue 30.55 | Enterprise Value to EBITDA - | Shares Outstanding 2180250 | Shares Floating 1627949 |
Shares Outstanding 2180250 | Shares Floating 1627949 | ||
Percent Insiders 0.01 | Percent Institutions 53.43 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Hingham Institution for Savings
Company Overview
History and Background
Hingham Institution for Savings was founded in 1834 in Hingham, Massachusetts. Originally a mutual savings bank, it has evolved into a commercial bank while maintaining a strong community focus. Significant milestones include expansion beyond Hingham and adaptation to changing financial regulations.
Core Business Areas
- Commercial Real Estate Lending: Provides loans for commercial real estate properties, which forms a significant portion of their loan portfolio.
- Residential Real Estate Lending: Offers mortgage products for residential properties, catering to individual homebuyers.
- Commercial Banking: Provides banking services to businesses, including checking accounts, lines of credit, and other financial solutions.
- Retail Banking: Offers a range of deposit accounts, including checking, savings, and certificates of deposit, to individual customers.
Leadership and Structure
The leadership team includes Robert H. Gaughen, Jr., Chairman and CEO. The organizational structure comprises various departments focusing on lending, operations, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Offers loans for office buildings, retail centers, and other commercial properties. Market share is regional, competing with larger national banks and smaller community banks. Competitors include Bank of America, Citizens Bank, and local credit unions. No specific market share data available.
- Residential Mortgages: Provides mortgage products for residential properties. Competitors include Rocket Mortgage, Wells Fargo, and other mortgage lenders. No specific market share data available.
- Business Banking Services: Offers checking accounts, lines of credit, and other financial services to businesses. Competitors include TD Bank, Santander, and other regional banks. No specific market share data available.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to rising interest rates, increased competition from fintech companies, and evolving regulatory requirements. Consolidation is occurring as smaller banks struggle to compete with larger institutions.
Positioning
Hingham Institution for Savings positions itself as a relationship-focused bank with a strong understanding of the local market. Their competitive advantage lies in personalized service and local expertise.
Total Addressable Market (TAM)
The TAM includes the total market value of loans and deposits within their geographic area. Hingham Institution for Savings captures a portion of this TAM, aiming to increase its market share through organic growth and strategic initiatives.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Experienced management team
- Relationship-based banking model
- Solid asset quality
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Reliance on traditional banking services
- Higher cost structure compared to some competitors
Opportunities
- Expanding into new markets
- Leveraging technology to improve efficiency
- Acquiring smaller community banks
- Growing commercial lending portfolio
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- BOH
- UMB
- WSBC
Competitive Landscape
Hingham Institution for Savings's advantages lie in its local expertise and relationship-based banking model. Disadvantages include its smaller scale and limited geographic reach compared to larger competitors.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends can be analyzed by examining revenue, asset, and loan growth over the past several years.
Future Projections: Future growth projections typically rely on analyst estimates and company guidance. These projections would incorporate factors such as economic conditions, industry trends, and company-specific initiatives.
Recent Initiatives: Recent strategic initiatives might include branch expansions, technology investments, and new product launches.
Summary
Hingham Institution for Savings is a community-focused bank with a strong local presence. Its relationship-based approach is a key strength, but it faces challenges from larger competitors and fintech companies. Maintaining asset quality and adapting to changing regulations are crucial for future success. Growth opportunities lie in expanding its commercial lending portfolio and leveraging technology.
Similar Companies
BOH
Bank of Hawaii Corporation
BOH
Bank of Hawaii Corporation
CFBK
CF Bankshares Inc
CFBK
CF Bankshares Inc
FFWM
First Foundation Inc.
FFWM
First Foundation Inc.
WSBC
WesBanco Inc
WSBC
WesBanco Inc
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Analyst Reports (where available)
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share and other data are estimates and may vary. Financial data is based on publicly available information and may not be complete or up-to-date.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Hingham Institution for Savings
Exchange NASDAQ | Headquaters Hingham, MA, United States | ||
IPO Launch date 1992-02-25 | Chairman & CEO Mr. Robert H. Gaughen Jr. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 87 | Website https://www.hinghamsavings.com |
Full time employees 87 | Website https://www.hinghamsavings.com | ||
Hingham Institution for Savings provides various financial products and services to individuals and small businesses in the United States. It offers savings, checking, money market, demand, and negotiable order of withdrawal accounts, as well as certificates of deposit. The company provides commercial and residential real estate, construction, home equity, commercial, consumer, and mortgage loans. In addition, it offers ATMs, debit cards, and Internet-based banking services. The company offers its services through a network of offices in Boston; Washington, D.C.; and San Francisco Bay Area. Hingham Institution for Savings was incorporated in 1834 and is headquartered in Hingham, Massachusetts.
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