HIFS
Hingham Institution For Savings·NASDAQ
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2.98 / 10
Underperform
Fundamental analysis reveals an inadequate profile with a score of 3.0/10. Key challenges include a Price-to-Book (PB) of 1.6752 in the lowest-performing quartile, a high Price-to-Cash-Flow (PCF) of 9190.8974, and a Price-to-Earnings (PE) of 21.8859. While positive aspects such as a strong Gross Profit Margin of 42.4105% and a Total Profit YoY growth of 22.7949% exist, they are not sufficient to offset the valuation concerns, leading to an overall fundamental rating of 'Underperform'.
Analysis Checks(6/10)
PB
Value1.68
Score0/3
Weight6.12%
1M Return2.44%
Value1.68
Score0/3
Weight6.12%
1M Return2.44%
Gross profit margin (%)
Value42.41
Score3/3
Weight8.95%
1M Return3.49%
Value42.41
Score3/3
Weight8.95%
1M Return3.49%
PB-ROE
Value0.64
Score0/3
Weight6.15%
1M Return2.45%
Value0.64
Score0/3
Weight6.15%
1M Return2.45%
Cash-UP
Value1.10
Score2/3
Weight17.25%
1M Return5.42%
Value1.10
Score2/3
Weight17.25%
1M Return5.42%
Net profit attributable to parent company shareholders (YoY growth rate %)
Value3.73
Score2/3
Weight9.01%
1M Return3.48%
Value3.73
Score2/3
Weight9.01%
1M Return3.48%
PCF
Value9190.90
Score2/3
Weight11.28%
1M Return4.00%
Value9190.90
Score2/3
Weight11.28%
1M Return4.00%
PE
Value21.89
Score3/3
Weight13.09%
1M Return4.93%
Value21.89
Score3/3
Weight13.09%
1M Return4.93%
Total profit (YoY growth rate %)
Value22.79
Score1/3
Weight8.96%
1M Return3.49%
Value22.79
Score1/3
Weight8.96%
1M Return3.49%
Asset-MV
Value-0.05
Score0/3
Weight3.61%
1M Return1.79%
Value-0.05
Score0/3
Weight3.61%
1M Return1.79%
Cash-MV
Value-0.30
Score2/3
Weight15.59%
1M Return5.75%
Value-0.30
Score2/3
Weight15.59%
1M Return5.75%
PB
Value1.68
Score0/3
Weight6.12%
1M Return2.44%
Value1.68
Score0/3
Weight6.12%
1M Return2.44%
PCF
Value9190.90
Score2/3
Weight11.28%
1M Return4.00%
Value9190.90
Score2/3
Weight11.28%
1M Return4.00%
Gross profit margin (%)
Value42.41
Score3/3
Weight8.95%
1M Return3.49%
Value42.41
Score3/3
Weight8.95%
1M Return3.49%
PE
Value21.89
Score3/3
Weight13.09%
1M Return4.93%
Value21.89
Score3/3
Weight13.09%
1M Return4.93%
PB-ROE
Value0.64
Score0/3
Weight6.15%
1M Return2.45%
Value0.64
Score0/3
Weight6.15%
1M Return2.45%
Total profit (YoY growth rate %)
Value22.79
Score1/3
Weight8.96%
1M Return3.49%
Value22.79
Score1/3
Weight8.96%
1M Return3.49%
Cash-UP
Value1.10
Score2/3
Weight17.25%
1M Return5.42%
Value1.10
Score2/3
Weight17.25%
1M Return5.42%
Asset-MV
Value-0.05
Score0/3
Weight3.61%
1M Return1.79%
Value-0.05
Score0/3
Weight3.61%
1M Return1.79%
Net profit attributable to parent company shareholders (YoY growth rate %)
Value3.73
Score2/3
Weight9.01%
1M Return3.48%
Value3.73
Score2/3
Weight9.01%
1M Return3.48%
Cash-MV
Value-0.30
Score2/3
Weight15.59%
1M Return5.75%
Value-0.30
Score2/3
Weight15.59%
1M Return5.75%
Is HIFS undervalued or overvalued?
- HIFS scores 2.98/10 on fundamentals and holds a Premium valuation at present. Backed by its 7.57% ROE, 49.38% net margin, 16.09 P/E ratio, 1.58 P/B ratio, and 94.47% earnings growth, these metrics solidify its Underperform investment rating.
