Hingham Institution For Savings (HIFS) Fundamental Analysis: Revenue, Earnings & Valuation

2.97 / 10

Underperform

Fundamental analysis rates HIFS as Underperform with a 3/10 quality score. Strengths include rising cash (Cash‑UP) and solid gross margin, yet key concerns are low PB‑ROE and weak Asset‑MV, indicating poor valuation and limited earnings efficiency.

Analysis Checks(6/10)

Gross profit margin (%)

Value36.92

Score3/3

Weight7.50%

1M Return3.70%

Current liabilities / Total liabilities (%)

Value49.61

Score3/3

Weight7.49%

1M Return3.70%

Profit-MV

Value0.82

Score0/3

Weight8.09%

1M Return4.03%

Net income-Revenue

Value1.14

Score1/3

Weight12.43%

1M Return5.19%

PB-ROE

Value-0.94

Score1/3

Weight9.65%

1M Return4.22%

Non-current liabilities / Total liabilities (%)

Value53.26

Score3/3

Weight7.49%

1M Return3.70%

Total profit / EBIT (%)

Value100.00

Score3/3

Weight7.49%

1M Return3.70%

Cash-UP

Value0.26

Score3/3

Weight10.38%

1M Return5.00%

Asset-MV

Value-0.49

Score1/3

Weight15.17%

1M Return6.12%

Cash-MV

Value-0.63

Score2/3

Weight14.31%

1M Return6.14%

Is HIFS fundamentally strong?

HIFS scores 2.97/10 on fundamentals and holds a Premium valuation at present. Backed by its 7.57% ROE, 49.38% net margin, 13.79 P/E ratio, 1.35 P/B ratio, and 94.47% earnings growth, these metrics solidify its Underperform investment rating.