HIFS · sample dossier
Hingham Institution for Saving
59/100
FreshGenerated Oct 3, 2026 · 10:00 AM UTC · 1 hour ago
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EquityHingham Institution for SavingXNAS
Decision context
HOLD
Analysis horizon · 70% convictionA mixed picture — no strong reason to buy or sell right now.
The stock trades near our estimated value range midpoint.
Current price
$287.78
Estimated value range
$277.70 – $297.60
Gap (vs midpoint)
-1.6%
Valuation is aligned with fundamentals; future returns depend on operational execution.
Market context
Price
Price when available
Pick how far back the chart looks
1 month
-2.5%
3 months
-4.8%
6 months
+0.8%
1 year
+8.7%
Executive summary & thesis
Hingham Institution for Saving is a regional banking company with a market capitalization of $632.32M trading at $287.78, featuring a price-to-earnings multiple of 9.47 and a net margin of 55.5%.
- EPS expanded 168.5% YoY, supported by 105.9% YoY revenue growth and a high net margin of 55.5%.
- HIFS trades at a low valuation of 9.47 P/E and 1.25 P/B, discounting peers UCB (11.1) and BY (11.4).
- Cash generation is reinforced by FCF per share of $15.98 and a conservative Beneish M-Score of -3.49.
- Technical momentum ranks at the 0th peer percentile, with the stock below MA50 and MA200 after a -4.8% 3-month return.
- Net insider selling totaled -650 shares (-$197,900) over 3 months, including September 2026 director sales at $304.00 and $306.00.
- Key balance-sheet solvency metrics remain unconfirmed, as Debt/Equity, Altman Z, and Piotroski F scores are Not publicly available.
Things to keep in mind
- 1Base target implies 1.6% downsideView source
- 2P/E 9.5xView source
- 3Technical momentum ranks at the 0th peer percentile, with the stock below MA50 and MA200 after a -4.8% 3-month return.View source
What to watch next
Factor profile
Growth-led profile
| Factor | Score |
|---|---|
| Quality | 35 out of 100 (Weak). Business health — profits, returns, and consistency. Higher means a more durable company. |
| Growth | 100 out of 100 (Elite). How fast sales and earnings are rising. Higher means the business is expanding faster. |
| Value | 82 out of 100 (Elite). How cheap the stock looks for what you get. Higher means a more attractive price. |
| Safety | 50 out of 100 (Neutral). Balance-sheet cushion and fewer red flags. Higher means less risk of a nasty surprise. |
| Momentum | 28 out of 100 (Weak). Recent share-price trend. Higher means buyers have been in control lately. |
Another way to look at it
A calmer look at both sides of the HIFS story
The consensus 'Hold' verdict uncritically anchors on a 9.5 P/E multiple and an eye-catching 55.5% net margin while ignoring severe structural blind spots.
Depository banks cannot realistically sustain 105.9% YoY revenue growth and 168.5% YoY EPS growth without taking on aggressive duration or credit risk. Crucially, basic balance-sheet solvency metrics—including Debt/Equity, Altman Z, and Piotroski F scores—are entirely missing from the evaluation, leaving downside capital risk unmonitored. While bulls tout relative cheapness against peers like UCB at 11.1 P/E and BY at 11.4 P/E, the bank's modest 1.5% ROA aligns with an inferior quality score of 35 out of 100 rather than a durable moat. Insiders capitalized on recent trading ranges by executing net sales of $197,900 at $304.00 and $306.00 in September 2026, confirming executive caution. With the stock down 4.8% over three months and trading below both its 50-day and 200-day moving averages, HIFS risks severe margin mean-reversion rather than price stabilization.
Core solvency and capital health cannot be independently confirmed due to missing Debt/Equity, EV/EBITDA, Altman Z, and Piotroski F-scores.
A massive divergence exists between the 55.5% net profit margin and the modest 1.5% ROA, signaling either high unmodeled balance-sheet leverage or transient non-operating gains.
The May 12, 2026 director sale of 950 shares at $266.01 is older than 90 days (stale), yet fresh selling of 650 shares at $304.00-$306.00 in September 2026 occurred with zero insider buying.
Extrapolating 105.9% YoY revenue expansion and 168.5% YoY EPS expansion in a depository banking model vulnerable to repricing deposits.
Treating the 9.5 P/E as an unwarranted discount to peers like UCB (11.1 P/E) and BY (11.4 P/E) while disregarding an asset quality score of only 35/100.
Relying on a $15.98 FCF per share and -3.49 Beneish M-Score as sufficient proof of financial safety in the absence of comprehensive leverage disclosures.
Revenue Growth YoY drops below the current baseline of 105.9%.
Net margin contracts below the reported 55.5% level.
Cash after investing
Cash-flow details are thin for HIFS — check the Financials tab when you can.
- Revenue Growth YoY drops below the current baseline of 105.9%.
- Net margin contracts below the reported 55.5% level.
For learning and research only — not investment advice. AlphaDog doesn’t hold stocks and isn’t your financial advisor.
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