Fundamental analysis HIFS (Hingham Institution for Savings)

Updated on 07/20/2026

We analyzed Hingham Institution for Savings stock against the 10 quality criteria of Lubin Investment. The company gets a quality score of 5/10, meaning medium quality, and a P/FCF valuation multiple of 18.0×.

Sector: Banks - Regional. Listing: US. Current price: 290.43 USD.

Lubin scoring methodology

Hingham Institution for Savings (HIFS)'s score is calculated automatically from 10 objective financial criteria, with no human intervention or opinion. Each criterion is validated (YES / PARTIAL / NO) based on thresholds drawn from the financial literature (Warren Buffett, Bettin-Mauboussin, Aswath Damodaran). The final score is the sum of validations.

The 10 quantitative criteria analyzed

1. Profitable: positive net margin
2. Growing revenue: revenue growing > 10%/year over 5 years
3. Growing earnings per share: FCF per share adjusted for stock-based compensation, > 10%/year over 5 years
4. Share count under control: stable or declining (net buybacks = value creation for shareholders)
5. Cash profitability: free cash flow margin > 10% of revenue
6. Expanding margins: operating margin widens over 5 years (operating leverage)
7. Return on invested capital: Bettin-Mauboussin Cash ROCE > 15% per year
8. Debt under control: net debt repayable in less than 3 years of free cash flow
9. Earnings converted to cash: free cash flow exceeds accounting net income
10. Net collection period: short or negative cash conversion cycle

Frequently asked questions

Is Hingham Institution for Savings a quality stock?

Hingham Institution for Savings gets a quality score of 5/10 (medium quality), calculated over the 10 Lubin Investment criteria: profitability, revenue and free cash flow growth, share buybacks, margins, debt and return on capital.

How is Hingham Institution for Savings's score calculated?

The score is the total of validated criteria (YES / PARTIAL / NO) using thresholds drawn from the financial literature (Warren Buffett, Mauboussin, Aswath Damodaran), automatically and with no human opinion.

What is Hingham Institution for Savings's P/FCF?

The price-to-free-cash-flow (P/FCF) multiple of Hingham Institution for Savings stock is 18.0×. At Lubin Investment, valuation is judged separately from quality.

Where to see Hingham Institution for Savings's full analysis?

The full interactive analysis (10-criteria detail, history, P/FCF valuation, sector comparisons) is available at https://lubin-investment.com/analyse/HIFS?lng=en.

Other stocks in the Banks Regional sector

• Banco BBVA Argentina (BBAR) — score 9/10, P/FCF 7.1×
• Grupo Cibest (CIB) — score 9/10, P/FCF 6.6×
• First Financial Bancorp (FFBC) — score 9/10, P/FCF 4.1×
• Richmond Mutual Bancorporation (RMBI) — score 9/10, P/FCF 10.7×
• International Bancshares (IBOC) — score 9/10, P/FCF 10.0×

Go further

👉 See the full interactive analysis of HIFS

Other resources : Detailed methodology · All stocks in the Banks Regional sector · Stocks rated 10 out of 10 · Top quality companies · Lubin Investment pricing.