Summary
HIFS Chart
Hingham Institution for Savings: The Only Bank Stock You Need To Own
Hingham Institution for Savings is a best-in-class bank with a 30-year track record of 11% annualized returns with high insider ownership management. Recent challenges from rapid Fed rate hikes caused margin compression and investor pessimism, but Q2 2025 earnings signal a turnaround with strong net income and net interest margin growth. Valuation is compelling: the stock trades at a depressed price-to-book multiple, with my $331.18 price target implying 24% upside as loan growth and margins recover.
Hingham Institution for Savings (HIFS) FAQ
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Hingham Institution for Savings Profile
| Banks Industry | Financials Sector | Robert H. Gaughen Jr., CEO | NASDAQ (NMS) Exchange | 433323102 CUSIP |
| US Country | 87 Employees | 5 Jan 2026 Last Dividend | 6 Oct 1998 Last Split | 25 Feb 1992 IPO Date |
Overview
Hingham Institution for Savings is a financial institution with a long-standing presence in the United States, having been incorporated in 1834. With its headquarters in Hingham, Massachusetts, the company has strategically expanded its services through a network of offices located in key areas including Boston, Washington, D.C., and the San Francisco Bay Area. Catering to both individuals and small businesses, Hingham Institution for Savings prides itself on offering a comprehensive suite of financial products and services designed to meet a broad spectrum of banking needs.
Products and Services
Savings, Checking, and Money Market Accounts: Tailored to foster saving habits among customers, these accounts offer flexibility and convenience for managing day-to-day financial operations. From regular savings accounts to interest-bearing checking accounts and money market accounts, there are options to suit varying customer needs for liquidity and yield.
Negotiable Order of Withdrawal Accounts: These accounts combine the features of both checking and savings accounts, providing an attractive option for customers seeking higher interest rates without sacrificing the convenience of check writing.
Certificates of Deposit: For those looking for safer investments with fixed interest rates over a specified term, Certificates of Deposit (CDs) offer a guaranteed return, secured by the stability of the institution.
Loan Products: Hingham Institution for Savings has a diverse loan portfolio, including commercial and residential real estate loans, construction loans, home equity loans, commercial loans, consumer loans, and mortgage loans. These products are designed to support the financial goals of both individuals and businesses, whether it’s for property investments, renovations, or expanding business operations.
ATMs and Debit Cards: Ensuring easy and secure access to funds, the institution offers ATM services and debit cards, facilitating convenient cash withdrawals, account management, and purchases both locally and abroad.
Internet-Based Banking Services: Recognizing the importance of digital banking in today’s world, Hingham Institution for Savings provides robust online banking solutions. These services allow customers to manage their accounts, make transactions, and access financial services remotely and securely, 24/7.
Contact Information
