HIFS

MKT CAP:$622M

Hingham Institution for Savings

Market Cap

$622M

Financial Services·Banks - Regional·🇺🇸 United States·NASDAQ

Financials·Banks - Regional·🇺🇸·NASDAQ

Stock Price

$294.01+$22.31 (+8.21%)

Apr 21, 2026

Company Details

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 ...

CEO

Robert H. Gaughen Jr.

IPO Date

Dec 14, 1988

Website

www.hinghamsavings.com

Key Metrics TTM

Revenue

$228M

+5.8% YoY

Net Income

$50M

EPS (Diluted)

$22.81

Free Cash Flow

$36M

Revenue / Share

$102.99

Gross Margin

43.1%

Operating Margin

29.5%

Net Margin

22.1%

FCF Margin

15.6%

P/S

2.7x

P/E

12.4x

Earnings Reports

Q1 2026

Mar 30, 2026

$42M-18.0%EPS $1.29

FY 2025

Dec 30, 2025

$237M+8.9%EPS $24.76

Q4 2025

Dec 30, 2025

$67M+13.8%EPS $9.39

Q3 2025

Sep 29, 2025

$64M+21.2%EPS $7.85

Q2 2025

Jun 29, 2025

$54M+4.5%EPS $4.28

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q2 22	$18M	$12M	$6M
Q3 22	$32M	$22M	$15M
Q4 22	$42M	$24M	$16M
Q1 23	$45M	$19M	$12M
Q2 23	$48M	$18M	$11M
Q3 23	$46M	$12M	$5M
Q4 23	$53M	$15M	$8M
Q1 24	$54M	$15M	$8M
Q2 24	$52M	$13M	$6M
Q3 24	$53M	$15M	$8M
Q4 24	$59M	$22M	$15M
Q1 25	$51M	$17M	$10M
Q2 25	$54M	$20M	$13M
Q3 25	$64M	$31M	$23M
Q4 25	$67M	$35M	$27M
Q1 26	$42M	$12M	$4M

Valuation

Quarter	P/S	P/E
Q2 22	5.7x	13.0x
Q3 22	5.0x	12.8x
Q4 22	5.2x	16.4x
Q1 23	3.7x	14.7x
Q2 23	2.8x	11.8x
Q3 23	2.1x	12.0x
Q4 23	2.3x	16.4x
Q1 24	1.9x	15.3x
Q2 24	1.9x	19.2x
Q3 24	2.5x	22.9x
Q4 24	2.6x	19.7x
Q1 25	2.4x	18.2x
Q2 25	2.5x	16.0x
Q3 25	2.5x	12.5x
Q4 25	2.6x	11.2x
Q1 26	2.7x	12.0x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 22	$19M	$18M
Q2 22	$11M	$11M
Q3 22	$16M	$15M
Q4 22	$10M	$9M
Q1 23	$4M	$4M
Q2 23	$4M	$4M
Q3 23	$6M	$6M
Q4 23	$6M	$4M
Q1 24	$4M	$4M
Q2 24	$3M	$3M
Q3 24	$4M	$4M
Q4 24	$2M	$2M
Q1 25	$11M	$11M
Q2 25	$6M	$5M
Q3 25	$11M	$11M
Q4 25	$8M	$8M

Capital Expenditures

Quarter	CapEx
Q1 22	$515.0K
Q2 22	$526.0K
Q3 22	$714.0K
Q4 22	$773.0K
Q1 23	$347.0K
Q2 23	$480.0K
Q3 23	$0
Q4 23	$1M
Q1 24	$27.0K
Q2 24	$22.0K
Q3 24	$74.0K
Q4 24	$16.0K
Q1 25	$30.0K
Q2 25	$124.0K
Q3 25	$15.0K
Q4 25	$97.0K

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q2 22	-45.6%	+127.7%
Q3 22	+13.1%	+95.8%
Q4 22	+33.5%	+196.4%
Q1 23	+69.7%	+252.8%
Q2 23	+164.8%	+197.2%
Q3 23	+45.4%	+154.0%
Q4 23	+23.6%	+70.5%
Q1 24	+20.2%	+38.2%
Q2 24	+8.6%	+25.6%
Q3 24	+16.0%	+9.7%
Q4 24	+11.8%	-1.4%
Q1 25	-4.3%	-9.0%
Q2 25	+4.5%	-10.6%
Q3 25	+21.2%	-8.8%
Q4 25	+13.8%	-8.8%
Q1 26	-18.0%	-8.7%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 22	$7.0K	0.0%
Q2 22	$2.0K	0.0%
Q3 22	$6.0K	0.0%
Q4 22	$7.0K	0.0%
Q1 23	$7.0K	0.0%
Q2 23	$10.0K	0.0%
Q3 23	$11.0K	0.0%
Q4 23	$12.0K	0.0%
Q1 24	$18.0K	0.0%
Q2 24	$51.0K	0.1%
Q3 24	$52.0K	0.1%
Q4 24	$52.0K	0.1%
Q1 25	$51.0K	0.1%
Q2 25	$51.0K	0.1%
Q3 25	$44.0K	0.1%
Q4 25	$45.0K	0.1%

OpEx Breakdown

Quarter	G&A	S&M
Q2 22	$6M	$315.0K
Q3 22	$6M	$246.0K
Q4 22	$4M	$279.0K
Q1 23	$6M	$212.0K
Q2 23	$6M	$277.0K
Q3 23	$6M	$152.0K
Q4 23	$6M	$128.0K
Q1 24	$6M	$89.0K
Q2 24	$6M	$187.0K
Q3 24	$6M	$141.0K
Q4 24	$6M	$153.0K
Q1 25	$6M	$136.0K
Q2 25	$6M	$222.0K
Q3 25	$6M	$109.0K
Q4 25	$7M	$155.0K
Q1 26	$5M	—

War Chest

Quarter	Cash	Short-term Investments	Total
Q2 22	$311M	$0	$311M
Q3 22	$327M	$0	$327M
Q4 22	$362M	$0	$362M
Q1 23	$6M	$0	$6M
Q2 23	$354M	$0	$354M
Q3 23	$6M	$0	$6M
Q4 23	$362M	$0	$362M
Q1 24	$373M	$0	$373M
Q2 24	$369M	$0	$369M
Q3 24	$368M	$0	$368M
Q4 24	$352M	$0	$352M
Q1 25	$362M	$0	$362M
Q2 25	$361M	$0	$361M
Q3 25	$360M	$0	$360M
Q4 25	$7M	$0	$7M
Q1 26	$5M	$0	$5M

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q2 22	2M	-0.1%	+0.1%
Q3 22	2M	-0.1%	-0.1%
Q4 22	2M	-0.1%	-0.4%
Q1 23	2M	+0.1%	-0.3%
Q2 23	2M	-0.4%	-0.5%
Q3 23	2M	+0.0%	-0.4%
Q4 23	2M	-0.2%	-0.5%
Q1 24	2M	+0.2%	-0.4%
Q2 24	2M	-0.3%	-0.2%
Q3 24	2M	+0.5%	+0.2%
Q4 24	2M	+0.2%	+0.6%
Q1 25	2M	-0.0%	+0.4%
Q2 25	2M	-0.0%	+0.6%
Q3 25	2M	+0.2%	+0.3%
Q4 25	2M	+0.1%	+0.2%
Q1 26	2M	+0.1%	+0.4%

Shares Outstanding