企業概要
Hingham Institution for Savings is a regional financial entity that delivers a comprehensive suite of banking products to individuals and small businesses across the United States. The institution offers a wide array of deposit solutions, including savings, checking, money market, term certificates, demand accounts, and negotiable order of withdrawal accounts, alongside certificates of deposit to meet diverse client liquidity needs. Operating within the broader Financial Services sector and specifically classified under Banks - Regional, the company functions as a community-focused lender and depositor within the local economy. The organization currently maintains a market capitalization of $678.21M, generates annual revenue of $102.78M, and employs a workforce of 93 individuals. These valuation and operational metrics indicate that the company occupies a mid-sized position within the regional banking landscape, suggesting a scale sufficient to maintain significant market share while retaining the agility typical of smaller regional institutions.
財務健全性
The company reported total revenue of $102.78M over the trailing twelve months, with a corresponding net income of $54.55M, while specific EBITDA figures are not available in the current data set. The substantial disparity between the reported revenue and net income reveals a highly efficient cost structure, where operating expenses are kept low relative to total earnings, allowing a significant portion of top-line revenue to flow directly to the bottom line. The financial statements list cash holdings of $6.68M, though free cash flow data is not currently disclosed, which limits the immediate assessment of operational cash generation flexibility in this specific reporting period. Three key margin metrics provide insight into profitability layers: the gross margin is recorded at 0.0%, a standard characteristic for financial intermediaries where revenue is largely fee-based or net of funding costs; the operating margin stands at a robust 80.1%, indicating high efficiency in core banking operations; and the profit margin is 53.1%, reflecting strong overall profitability. Regarding leverage, the institution holds $6.68M in cash against total debt of $1.46B, creating a notable disparity, while the debt-to-equity ratio is not provided in the available data. The current ratio is also not available, preventing a direct calculation of short-term liquidity coverage based on current assets and liabilities. Return on Equity is calculated at 12.0%, and Return on Assets is 1.2%, metrics that collectively demonstrate effective management in generating returns for shareholders relative to the asset base utilized.
バリュエーション評価
The trailing twelve-month P/E ratio is 12.36, whereas the forward P/E ratio is not available, preventing a direct comparison of expected earnings trajectory based on forward multiples. The price-to-book ratio is 1.41, suggesting that the market values the company at a moderate premium over its tangible book value, reflecting confidence in the quality of its loan portfolio and intangible assets. Alternative valuation metrics include a price-to-sales ratio of 6.60, while the EV/EBITDA multiple is not available for analysis. The stock has traded within a 52-week range with a high of $338.00 and a low of $209.71, and without the specific current share price, the exact percentage distance from the high or low cannot be calculated from the provided facts alone. The beta coefficient is 0.94, which indicates that the stock's price volatility is slightly lower than the broader market average, implying a relative defensive characteristic during periods of market fluctuation.
Growth & Income
Revenue growth year-over-year is recorded at 55.1%, while earnings growth year-over-year is significantly higher at 81.5%. The fact that earnings growth substantially outpaces revenue growth implies that the company is benefiting from favorable margin expansion, cost efficiencies, or one-time gains that amplify the bottom line more aggressively than top-line growth. The company offers a dividend yield of 0.8% and maintains a payout ratio of 12.7%, indicating that a small but sustainable portion of earnings is distributed to shareholders while the majority is retained for internal use. Given the low payout ratio, the institution retains a significant volume of earnings, likely reinvesting capital into loan growth, technology upgrades, or branch expansion rather than focusing primarily on dividend growth. Overall, the growth and income profile presents a scenario of accelerating earnings driven by operational leverage, supported by a conservative dividend policy that preserves capital for future expansion within the regional banking sector.