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Hingham Institution for Savings HIFS | NASDAQ

$290.86 -$5.02 | -1.70%

SIGNAL:

|2026-09-23 |F&G 42 |RSI 45.4

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Company Overview:

Market Cap: $639.09M

Trailing PE: 9.7x

FWD PE: —

Payout Ratio (TTM): 10.6%

52-Week Range: $248.53 - $338.00

7.3 Year HIFS Performance Metrics:

Total Return (with DRIP): 67.4% (7.32% CAGR)

Total Return (no DRIP): 65.1% (7.11% CAGR)

Share Price: 55.0% (6.18% CAGR)

Yield on Cost (with DRIP): 1.45%

Total Invested: $10,000

Total Value (with DRIP): $16,743

Total Return $ (with DRIP): $6,743

Dividend Increase: 57.5% (6.63% CAGR)

Dividend Yield (FWD): 0.87% ($2.52)

HIFS 7.3-yr Total Return ($10K invested)

1M 3M 6M YTD 1Y 3Y 5Y 10Y

HIFS Share Price

1M 3M 6M YTD 1Y 3Y 5Y 10Y All

HIFS Price CAGR:1Y: 12.47%2Y: 9.34%5Y: -3.15%10Y: 6.21%

HIFS Dividend Charts

HIFS - Dividends

HIFS Dividend CAGR:1Y: 0.00%2Y: 0.00%5Y: 3.51%10Y: 6.96%

HIFS - Dividend Payout Ratio

HIFS Dividend Payout Ratio CAGR:1Y: -62.73%2Y: -59.70%5Y: 1.17%10Y: -6.71%

HIFS - Dividend to Free Cash Flow Ratio

HIFS Dividend to FCF Ratio CAGR:1Y: 52.59%2Y: -10.04%5Y: 34.65%10Y: 5.94%

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HIFS Fundamentals: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

HIFS - Revenue

HIFS Revenue CAGR:1Y: 33.11%2Y: 17.92%5Y: 16.89%10Y: 17.15%

HIFS - Earnings Per Share (EPS)

HIFS EPS CAGR:1Y: 168.46%2Y: 147.22%5Y: 4.36%10Y: 15.46%

HIFS - Net Income

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HIFS Net Income CAGR:1Y: 170.27%2Y: 149.05%5Y: 4.49%10Y: 15.80%

HIFS - EBITDA

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HIFS EBITDA CAGR:1Y: 156.48%2Y: 139.76%5Y: 2.39%10Y: 9.50%

HIFS - Free Cash Flow

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HIFS Free Cash Flow CAGR:1Y: -33.99%2Y: 11.57%5Y: -21.48%10Y: 1.98%

HIFS - Free Cash Flow / Share

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HIFS Free Cash Flow / Share CAGR:1Y: -34.44%2Y: 11.16%5Y: -21.46%10Y: 1.76%

HIFS - Operating Income

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HIFS Operating Income CAGR:1Y: 160.23%2Y: 143.78%5Y: 2.48%10Y: 12.90%

HIFS - Gross Profit

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HIFS Gross Profit CAGR:1Y: 106.95%2Y: 80.74%5Y: 0.00%10Y: 0.00%

HIFS - Shares Outstanding

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HIFS Shares Outstanding CAGR:1Y: 0.59%2Y: 0.62%5Y: 0.11%10Y: 0.29%

HIFS - Share Buybacks

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HIFS Share Buybacks CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

HIFS - Stock-Based Comp

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HIFS Stock-Based Comp CAGR:1Y: -17.65%2Y: -9.25%5Y: 47.58%10Y: -3.34%

HIFS - Expenses

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HIFS Expenses CAGR:1Y: 46.77%2Y: 187.62%5Y: -17.46%10Y: 16.07%

HIFS - Revenue vs Net Income

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HIFS - EPS vs FCF / Share

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HIFS - EPS vs PE Ratio

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HIFS - FCF vs FCF / Share

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HIFS - FCF vs Stock Based Comp

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HIFS - Cash & Debt

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Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

HIFS - REVENUE: Actual + Estimates

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HIFS Actual Revenue CAGR:1Y: 33.11%2Y: 17.92%5Y: 16.89%10Y: 17.15%

HIFS - EPS: Actual + Estimates

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HIFS Actual EPS CAGR:1Y: 168.46%2Y: 147.22%5Y: 4.36%10Y: 15.46%

HIFS - NET INCOME: Actual + Estimates

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HIFS Actual Net Income CAGR:1Y: 170.27%2Y: 149.05%5Y: 4.49%10Y: 15.80%

HIFS - EBITDA: Actual + Estimates

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HIFS Actual EBITDA CAGR:1Y: 156.48%2Y: 139.76%5Y: 2.39%10Y: 9.50%

Ratios, Profit Margins & Return on Capital:

HIFS - Net Profit Margin

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HIFS Net Profit Margin CAGR:1Y: 102.99%2Y: 111.24%5Y: -10.61%10Y: -1.16%

HIFS - Gross Profit Margin

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HIFS Gross Profit Margin CAGR:1Y: 55.46%2Y: 53.28%5Y: -10.13%10Y: -5.20%

HIFS - Price to Earnings

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HIFS Price to Earnings CAGR:1Y: -53.90%2Y: -47.53%5Y: -3.27%10Y: -5.16%

HIFS - Price To Sales Ratio

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HIFS Price To Sales Ratio CAGR:1Y: -6.45%2Y: 10.84%5Y: -13.52%10Y: -6.25%

HIFS - Return on Capital Employed

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HIFS Return on Capital Employed CAGR:1Y: 16.98%2Y: 65.11%5Y: -5.90%10Y: 3.54%

HIFS - Return on Invested Capital

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HIFS Return on Invested Capital CAGR:1Y: 21.50%2Y: 68.68%5Y: -26.66%10Y: -5.61%

HIFS Dividends Info:

Annual Dividend: $2.52

Forward Yield: 0.87%

Ex-Dividend Date: 2026-08-03

Lifetime Dividends / Share: $45.31

HIFS Dividend History: Dates, Payments & Yield list

Below is a schedule of all HIFS dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date	Payment Date	Amount	Yield	Forward Yield	Price on Ex-Date
08/03/2026	08/05/2026	$0.630	0.86%	0.83%	$303.06
05/04/2026	05/06/2026	$0.630	0.9%	0.87%	$289.70
01/05/2026	01/07/2026	$1.330	1.8%	1.89%	$281.30
11/03/2025	11/05/2025	$0.630	0.85%	0.86%	$291.48
08/04/2025	08/06/2025	$0.630	1.03%	1.03%	$245.03
05/05/2025	05/07/2025	$0.630	1%	0.99%	$253.62
01/06/2025	01/08/2025	$0.630	0.99%	1.02%	$247.00
11/04/2024	11/06/2024	$0.630	1.01%	0.85%	$294.99
07/29/2024	07/31/2024	$0.630	1.05%	1.01%	$248.69
05/03/2024	05/06/2024	$0.630	1.42%	1.39%	$181.35
12/29/2023	01/01/2024	$0.630	1.3%	1.27%	$198.18
10/27/2023	10/30/2023	$0.630	1.65%	1.67%	$150.66
07/28/2023	07/31/2023	$0.630	1.15%	1.13%	$222.45
04/28/2023	05/01/2023	$0.630	1.3%	1.31%	$191.66
12/29/2022	01/11/2023	$1.260	1.83%	1.73%	$291.21
10/31/2022	11/09/2022	$0.610	0.99%	0.97%	$250.35
07/29/2022	08/10/2022	$0.590	0.81%	0.81%	$289.75
04/29/2022	05/11/2022	$0.570	0.71%	0.75%	$305.55
12/31/2021	01/12/2022	$1.300	1.24%	1.26%	$413.25
10/29/2021	11/10/2021	$0.530	0.59%	0.57%	$374.00
07/30/2021	08/11/2021	$0.510	0.68%	0.67%	$302.99
04/09/2021	04/21/2021	$0.490	0.69%	0.66%	$296.02
12/31/2020	01/13/2021	$1.170	2.17%	2.07%	$226.20
10/02/2020	10/14/2020	$0.450	0.98%	0.86%	$209.01
07/02/2020	07/15/2020	$0.430	1.05%	0.96%	$179.58
04/03/2020	04/15/2020	$0.420	1.24%	1.21%	$138.31
01/03/2020	01/15/2020	$1.010	1.98%	1.92%	$210.00
10/04/2019	10/16/2019	$0.400	0.85%	0.84%	$190.00
07/05/2019	07/17/2019	$0.390	0.77%	0.82%	$190.64
04/05/2019	04/17/2019	$0.380	0%	0.81%	$187.69
01/04/2019	01/16/2019	$0.870	0%	1.85%	$187.69
10/05/2018	10/17/2018	$0.360	0%	0.77%	$187.69
07/06/2018	07/18/2018	$0.350	0%	0.75%	$187.69
04/06/2018	04/18/2018	$0.340	0%	0.72%	$187.69
01/04/2018	01/17/2018	$0.680	0%	1.45%	$187.69
10/05/2017	10/18/2017	$0.340	0%	0.72%	$187.69
07/06/2017	07/19/2017	$0.320	0%	0.68%	$187.69
04/06/2017	04/19/2017	$0.320	0%	0.68%	$187.69
01/04/2017	01/18/2017	$0.640	0%	1.36%	$187.69
10/05/2016	10/19/2016	$0.320	0%	0.68%	$187.69
07/07/2016	07/20/2016	$0.300	0%	0.64%	$187.69
04/07/2016	04/20/2016	$0.300	0%	0.64%	$187.69
01/06/2016	01/20/2016	$0.600	0%	1.28%	$187.69
10/07/2015	10/20/2015	$0.300	0%	0.64%	$187.69
07/08/2015	07/20/2015	$0.280	0%	0.6%	$187.69
04/08/2015	04/20/2015	$0.280	0%	0.6%	$187.69
01/07/2015	01/21/2015	$1.280	0%	2.73%	$187.69
10/08/2014	10/20/2014	$0.280	0%	0.6%	$187.69
07/08/2014	07/21/2014	$0.270	0%	0.58%	$187.69
04/08/2014	04/21/2014	$0.270	0%	0.58%	$187.69
01/08/2014	01/21/2014	$0.550	0%	1.17%	$187.69
10/08/2013	10/21/2013	$0.270	0%	0.58%	$187.69
07/08/2013	07/22/2013	$0.260	0%	0.55%	$187.69
04/08/2013	04/22/2013	$0.260	0%	0.55%	$187.69
01/08/2013	01/22/2013	$0.530	0%	1.13%	$187.69
10/05/2012	10/22/2012	$0.260	0%	0.55%	$187.69
07/06/2012	07/20/2012	$0.260	0%	0.55%	$187.69
04/05/2012	04/20/2012	$0.250	0%	0.53%	$187.69
01/06/2012	01/20/2012	$0.510	0%	1.09%	$187.69
10/06/2011	10/21/2011	$0.250	0%	0.53%	$187.69
07/07/2011	07/21/2011	$0.250	0%	0.53%	$187.69
04/06/2011	04/20/2011	$0.240	0%	0.51%	$187.69
01/06/2011	01/20/2011	$0.490	0%	1.04%	$187.69
10/06/2010	10/20/2010	$0.240	0%	0.51%	$187.69
07/07/2010	07/20/2010	$0.230	0%	0.49%	$187.69
04/07/2010	04/20/2010	$0.230	0%	0.49%	$187.69
01/07/2010	01/21/2010	$0.450	0%	0.96%	$187.69
10/07/2009	10/20/2009	$0.220	0%	0.47%	$187.69
07/08/2009	07/21/2009	$0.210	0%	0.45%	$187.69
04/07/2009	04/21/2009	$0.210	0%	0.45%	$187.69
01/08/2009	01/22/2009	$0.430	0%	0.92%	$187.69
10/08/2008	10/20/2008	$0.210	0%	0.45%	$187.69
07/08/2008	07/21/2008	$0.200	0%	0.43%	$187.69
04/08/2008	04/21/2008	$0.200	0%	0.43%	$187.69
01/08/2008	01/22/2008	$0.410	0%	0.87%	$187.69
10/05/2007	10/22/2007	$0.200	0%	0.43%	$187.69
07/06/2007	07/20/2007	$0.200	0%	0.43%	$187.69
04/09/2007	04/20/2007	$0.200	0%	0.43%	$187.69
01/08/2007	01/22/2007	$0.400	0%	0.85%	$187.69
10/05/2006	10/20/2006	$0.200	0%	0.43%	$187.69
07/06/2006	07/20/2006	$0.200	0%	0.43%	$187.69
04/06/2006	04/20/2006	$0.200	0%	0.43%	$187.69
01/06/2006	01/20/2006	$0.200	0%	0.43%	$187.69
10/06/2005	10/21/2005	$0.200	0%	0.43%	$187.69
07/07/2005	07/21/2005	$0.200	0%	0.43%	$187.69
04/07/2005	04/21/2005	$0.190	0%	0.4%	$187.69
01/06/2005	01/20/2005	$0.390	0%	0.83%	$187.69
10/06/2004	10/20/2004	$0.190	0%	0.4%	$187.69
07/07/2004	07/20/2004	$0.180	0%	0.38%	$187.69
04/07/2004	04/22/2004	$0.180	0%	0.38%	$187.69
01/07/2004	01/21/2004	$0.370	0%	0.79%	$187.69
10/08/2003	10/20/2003	$0.180	0%	0.38%	$187.69
07/08/2003	07/21/2003	$0.180	0%	0.38%	$187.69
04/08/2003	04/21/2003	$0.170	0%	0.36%	$187.69
01/08/2003	01/21/2003	$0.350	0%	0.75%	$187.69
10/08/2002	10/21/2002	$0.170	0%	0.36%	$187.69
07/08/2002	07/22/2002	$0.160	0%	0.34%	$187.69
04/08/2002	04/22/2002	$0.160	0%	0.34%	$187.69
01/08/2002	01/22/2002	$0.310	0%	0.66%	$187.69
10/05/2001	10/22/2001	$0.150	0%	0.32%	$187.69
07/06/2001	07/20/2001	$0.150	0%	0.32%	$187.69
04/06/2001	04/20/2001	$0.150	0%	0.32%	$187.69
01/08/2001	01/22/2001	$0.280	0%	0.6%	$187.69
10/05/2000	10/20/2000	$0.140	0%	0.3%	$187.69
07/06/2000	07/20/2000	$0.130	0%	0.28%	$187.69
04/06/2000	04/20/2000	$0.130	0%	0.28%	$187.69
01/06/2000	01/21/2000	$0.240	0%	0.51%	$187.69
10/07/1999	10/22/1999	$0.120	0%	0.26%	$187.69
07/08/1999	07/22/1999	$0.110	0%	0.23%	$187.69
04/08/1999	04/22/1999	$0.110	0%	0.23%	$187.69
01/07/1999	01/22/1999	$0.210	0%	0.45%	$187.69
10/07/1998	10/20/1998	$0.100	0%	0.21%	$187.69
07/08/1998	07/20/1998	$0.093	0%	0.2%	$187.69
04/07/1998	04/20/1998	$0.087	0%	0.18%	$187.69
01/08/1998	01/20/1998	$0.167	0%	0.36%	$187.69
10/08/1997	10/20/1997	$0.080	0%	0.17%	$187.69
07/09/1997	07/21/1997	$0.080	0%	0.17%	$187.69
04/08/1997	04/21/1997	$0.067	0%	0.14%	$187.69
01/08/1997	01/21/1997	$0.127	0%	0.27%	$187.69
10/09/1996	10/21/1996	$0.060	0%	0.13%	$187.69
07/09/1996	07/22/1996	$0.060	0%	0.13%	$187.69
04/09/1996	04/22/1996	$0.053	0%	0.11%	$187.69
01/09/1996	01/22/1996	$0.107	0%	0.23%	$187.69
10/06/1995	10/23/1995	$0.047	0%	0.1%	$187.69
07/07/1995	07/21/1995	$0.047	0%	0.02%	$187.69
04/05/1995	04/21/1995	$0.033	0%	0.02%	$187.69
01/04/1995	01/20/1995	$0.033	0%	0.02%	$187.69
10/04/1994	10/21/1994	$0.027	0%	0.01%	$187.69
07/05/1994	07/21/1994	$0.027	0%	0.01%	$187.69
04/05/1994	04/21/1994	$0.027	0%	0.01%	$187.69
10/26/1990	11/15/1990	$0.027	0%	0.06%	$187.69
07/26/1990	08/15/1990	$0.053	0%	0.11%	$187.69
05/14/1990	05/31/1990	$0.053	0%	0.11%	$187.69
01/26/1990	02/15/1990	$0.053	0%	0.11%	$187.69
10/26/1989	11/15/1989	$0.053	0%	0.11%	$187.69
07/26/1989	08/15/1989	$0.053	0%	0.11%	$187.69
04/25/1989	05/15/1989	$0.047	0%	0.1%	$187.69

Projected Future Returns & Dividends for HIFS

Based on past 7.3-year performance, here are HIFS growth metrics:

Share price CAGR of +6.18%
Dividend CAGR of +7.14%

Using HIFS CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

	HIFS (DRIP)	HIFS - No DRIP
Current Price	$290.86	$290.86
Start Shares	34.38	34.38
Start Value	$10,000	$10,000

After 10 years:
Final Share Count	37.62	34.38
Dividends Payment	$1.26	$1.26
Annual Dividends	$189	$173
Yield on cost	1.89%	1.73%
Share Price	$530.02	$530.02
Total Dividends	$1,265	$1,205
Final Value	$19,941	$19,427

Estimated Future Value + Dividends - HIFS

NOTE: Above numbers are our estimate based on HIFS's Dividend and Price CAGR over past 7.3 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

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Company Info

Hingham Institution for Savings (HIFS) had its IPO on 1988-12-14, and is traded on NASDAQ stock exchange.

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 credit through various loan products, including financing for commercial and residential real estate, construction projects, home equity lines, general business needs, and personal consumer purposes. Furthermore, for customer convenience, it makes available automated teller machines (ATMs), debit cards, and a robust online banking platform. Its service delivery model includes a network of six physical branches situated across Boston and eastern Massachusetts, supplemented by commercial lenders and dedicated relationship managers operating in Washington. Established in 1834, Hingham Institution for Savings maintains its principal office in Hingham, Massachusetts.

HIFS website: https://www.hinghamsavings.com

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DCF Model — HIFS

Value from:

EPS (TTM)icompany profit per share over the last 12 months

EPS Growth %ihow fast profit per share grows each of the next 5 years — prefilled with what analysts expect

EPS growth after year 5 (forever)ithe slower pace once the fast 5 years are over — only drives years 6-10 of the price path below

Exit multiple (PE in 5 yrs)iwhat buyers pay per $1 of profit in 2031 — prefilled with today’s forward PE

Desired return %/yrithe yearly return you want from buying today — the S&P has done ~14%/yr, ask for more from a single stock

FCF growth %/yr (next 5 yrs)ihow fast free cash flow grows while the company is still expanding fast

Years of fast FCF growthihow many years the fast growth lasts before the business settles down

FCF growth after year 5 (forever)ithe slow, steady pace once the company is mature — usually 2-3%, near inflation. Must stay below your target return

Risk-free rate %iwhat a 10-yr US treasury pays with zero risk — the floor any risky stock must beat

Your target return %/yrithe yearly return you want for taking this risk — rule of thumb: risk-free rate + extra for risk

FCF base ($M, TTM)ilast 12 months of free cash flow, added up from reported quarters

Include dividends in returnidividends hand you part of the return in cash, so the share price needs to climb less

Pay up to today

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vs current price $290.86

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Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today

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grows for the next years

Then mature

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every future dollar counted back to today

Pile of today-dollars

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÷ shares

Implied price path

Year	FCF	Implied price

Sensitivity — fair value: growth ↓ × target return →