HIFS
Hingham Institution for SavingsFinancial Services·Banks - Regional
$289.39
$631M market cap
Revenue
$109.0M
Free Cash Flow
$20.6M
Rev Growth
+0.0%
FCF Margin
18.9%
P/FCF
30.6x
EV/FCF
98.8x
Fwd EV/EBITDA
--
Fair Value
--
Upside
--
Hingham Institution for Savings provides various financial products and services to individuals and businesses in the United States. It offers savings, checking, money market, demand deposit, and negotiable order of withdrawal accounts, as well as certificates of deposit. The company also provides commercial and residential real estate, construction, home equity, commercial, and consumer loans. In addition, it offers ATMs, debit cards, and Internet-based banking services. The company offers its
2-Year Price History
$284.87+70.4%
Quarterly Financials & Projections
Quarterly Waterfall ($ M)
| Period | Rev | EBITDA | OpIn | NI | OCF | FCF | CapEx | Cash | Debt | Shares | ROIC | IntCov | EV/EBITDA | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Act | 2026-Q1 | 42.1 | 4.2 | 4.2 | 2.9 | 13.1 | 13.1 | -0.0 | 5.2 | 1,414 | 2.2 | 0.7% | 0.1x | -- |
| Act | 2025-Q4 | 66.9 | 27.0 | 27.0 | 20.7 | 7.6 | 7.5 | -0.1 | 6.7 | 1,464 | 2.2 | 5.1% | 0.8x | -- |
Valuation & Metrics
Market Stats
Price$289.39
Market Cap$631M
Enterprise Value$2.0B
P/S Ratio5.8x
P/FCF30.6x
EV/FCF98.8x
FCF Margin (TTM)18.9%
FCF Yield3.3%
Dividend Yield (TTM)1.3%
Annual Dilution0.0%
CurrencyUSD
TTM Financial Snapshot
Revenue$109.0M
Net Income$23.6M
Free Cash Flow$20.6M
Revenue Growth (YoY)+0.0%
EBITDA Margin28.6%
Net Margin21.6%
FCF Margin18.9%
CapEx % of Revenue0.1%
SBC % of Revenue0.1%
ROIC2.9%
WC Change % Rev-0.2%
Interest Coverage0.5x
Forward Outlook & Risk
Short Interest
Short % of Float--
Short Shares0.3M
Days to Cover6.4
Change (vs Prior)-8.3%
Need at least 2 settlement dates for chart
Employees
Headcount87
Revenue / Employee$1,252,460
Gross Profit / Employee$539,782
Institutional Ownership
Headline & net flow
NEUTRAL
Net flow · —still filing
No float data — flow unavailable.
Ownership composition
Active
47.0%(+16.4% YoY)
115 filers
hedge / family / endowment
Retail funds
—
Fidelity, Schwab, 401(k)
Passive
20.0%(+4.8% YoY)
9 filers
Vanguard, iShares, SPDR
Market makers
0.6%(+0.3% YoY)
8 filers
Citadel, Susquehanna
Insiders
—
Form 4 — latest per insider
ActiveRetail fundsPassiveMarket makersRetail direct
Top holders
| Fund | $ value | Cost basis | Δ QoQ | Δ YoY | α life | Fund AUM |
|---|---|---|---|---|---|---|
| Maren Capital LLC | $59.2M | $200.31 | −$486K | +$4.4M | -0.8% | $1.91B |
| BlackRock, Inc.Passive | $40.9M | $243.47 | +$3.6M | +$2.7M | -0.2% | $5.69T |
| ROYCE & ASSOCIATES LP | $33.8M | $205.40 | +$3.2M | +$8.2M | -0.9% | $10.09B |
| Doma Perpetual Capital Management LLC | $33.5M | $202.34 | +$0 | +$8.5M | -1.7% | $372M |
| SCHWARTZ INVESTMENT COUNSEL INC | $23.2M | $220.85 | +$0 | +$0 | -0.8% | $2.81B |
| STATE STREET CORPPassive | $22.5M | $242.51 | −$11K | +$7.3M | -0.2% | $2.89T |
| VANGUARD CAPITAL MANAGEMENT LLCPassive | $21.4M | $285.21 | +$21.3M | +$21.4M | — | $4.04T |
| DIMENSIONAL FUND ADVISORS LPPassive | $16.4M | $222.89 | −$4K | −$898K | -0.4% | $480.92B |
| GEODE CAPITAL MANAGEMENT, LLCPassive | $12.3M | $217.62 | −$333K | +$666K | +2.3% | $1.61T |
| HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC | $12.0M | $242.97 | +$1.4M | +$1.2M | -0.1% | $31.89B |
| UBS Group AG | $11.9M | $246.77 | −$4.6M | −$4.4M | -0.3% | $562.11B |
| MILLENNIUM MANAGEMENT LLC | $9.7M | $251.26 | +$7.4M | +$9.5M | -0.5% | $127.40B |
| MORGAN STANLEY | $7.9M | $246.32 | −$473K | +$847K | -0.3% | $1.65T |
| De Lisle Partners LLP | $7.7M | $210.13 | +$0 | +$246K | -0.7% | $836M |
| GOLDMAN SACHS GROUP INC | $7.3M | $262.25 | +$2.2M | +$6.1M | -0.2% | $760.93B |
| Aptus Capital Advisors, LLC | $7.2M | $243.99 | +$79K | +$1.6M | -0.1% | $11.84B |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $4.4M | $257.37 | +$23K | +$3.1M | +0.7% | $645.81B |
| Crawford Fund Management, LLC | $4.2M | $235.92 | −$2.8M | +$394K | -1.2% | $307M |
| MISSION WEALTH MANAGEMENT, LP | $4.2M | $281.95 | −$63K | +$4.2M | -0.2% | $4.76B |
| BESSEMER GROUP INC | $4.0M | $285.21 | +$3.9M | +$4.0M | — | $63.62B |
Cost basis is a volume-weighted estimate from accumulation periods within our 13F history; holders who built their position before our window started will show a stale basis. % above the cost basis is the unrealized gain at the current price.
Trading behavior
Smart-money alpha (lifetime, %/qtr)NEUTRAL
Holders
-0.56%
avg per quarter
Holders (ex-self)
-0.62%
excl. this stock
Buyers (this Q)
-0.26%
62 buyers · $0.07B in
Sellers (this Q)
-0.47%
42 sellers · $0.01B out
alpha coverage: 93% of $ has a lifetime-alpha record
Holder behavior on this stocksource: stock
On big dips (−10%+)
-2.3%
how holders react when this stock falls
On quiet Qs
+2.8%
−10% to +10% baseline
On rallies (+10%+)
-13.5%
how they react when this stock rises
Holders' portfolio flow this Q
+1.8%
inflows — adds are organic
Sellers' portfolio flow this Q
+5.0%
Sellers grew AUM elsewhere — opinionated cut of this stock.
▸ Compare to holder-profile behavior (across all their stocks)
Holder dip (any stock)
+3.2%
Holder mid (any stock)
+0.8%
Holder rally (any stock)
-2.5%
Biggest decreases this quarter
UBS Group AG−$4.6Mα-0.3Crawford Fund Management, LLC−$2.8Mα-1.2ANCHOR CAPITAL ADVISORS LLCexited−$1.6MAncora Advisors LLCexited−$587KMaren Capital LLC−$486Kα-0.8MORGAN STANLEY−$473Kα-0.3ENVESTNET ASSET MANAGEMENT INCexited−$344KGEODE CAPITAL MANAGEMENT, LLC−$333Kα+2.3BALYASNY ASSET MANAGEMENT LLCexited−$200KFLAGSHIP HARBOR ADVISORS, LLCexited−$102K
New buyers this quarter
Top-5 holders · 45.1%
Maren Capital LLC--
BlackRock, Inc.--
ROYCE & ASSOCIATES LP--
Doma Perpetual Capital Management LLC--
SCHWARTZ INVESTMENT COUNSEL INC--
Top Holders Over Time
5-year share-count history (top 10 holders by peak, incl. exited) + price
hover the chart for per-quarter detailprice (right axis)
Port Capital LLC—Maren Capital LLC207KROYCE & ASSOCIATES LP118KDoma Perpetual Capital Management LLC117KSCHWARTZ INVESTMENT COUNSEL INC81KFMR LLC487UBS Group AG41KEpoch Investment Partners, Inc.—HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC42KRENAISSANCE TECHNOLOGIES LLC—
Corporate
Order Flow (FINRA, ~3w lag)
11.0%retail-9.6pp
12.8%dark-1.0pp
week of 2026-04-13
Off-exchange volume from FINRA. Retail = non-ATS (wholesaler PFOF + broker internalization). Dark = ATS (dark-pool crossing networks, institutional). Lit-exchange = remainder.