Hingham Institution for Savings (NASDAQ: HIFS) is one of 27 public companies in the “Retail & Mortgage Banks” industry, but how does it compare to its competitors? We will compare Hingham Institution for Savings to similar businesses based on the strength of its valuation, analyst recommendations, earnings, dividends, profitability, risk and institutional ownership.

Volatility and Risk

Hingham Institution for Savings has a beta of 0.74, suggesting that its stock price is 26% less volatile than the S&P 500. Comparatively, Hingham Institution for Savings’ competitors have a beta of 0.73, suggesting that their average stock price is 27% less volatile than the S&P 500.

Dividends

Hingham Institution for Savings pays an annual dividend of $1.36 per share and has a dividend yield of 0.7%. Hingham Institution for Savings pays out 11.5% of its earnings in the form of a dividend. As a group, “Retail & Mortgage Banks” companies pay a dividend yield of 1.5% and pay out 25.9% of their earnings in the form of a dividend.

Analyst Recommendations

This is a summary of current recommendations for Hingham Institution for Savings and its competitors, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Hingham Institution for Savings 0 0 0 0 N/A
Hingham Institution for Savings Competitors 138 512 563 19 2.38

As a group, “Retail & Mortgage Banks” companies have a potential upside of 26.19%. Given Hingham Institution for Savings’ competitors higher possible upside, analysts plainly believe Hingham Institution for Savings has less favorable growth aspects than its competitors.

Insider & Institutional Ownership

28.5% of Hingham Institution for Savings shares are held by institutional investors. Comparatively, 49.0% of shares of all “Retail & Mortgage Banks” companies are held by institutional investors. 11.1% of shares of all “Retail & Mortgage Banks” companies are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Profitability

This table compares Hingham Institution for Savings and its competitors’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Hingham Institution for Savings 31.23% N/A N/A
Hingham Institution for Savings Competitors 23.31% 7.50% 1.15%

Earnings & Valuation

This table compares Hingham Institution for Savings and its competitors top-line revenue, earnings per share and valuation.

Gross Revenue Net Income Price/Earnings Ratio
Hingham Institution for Savings $82.47 million $25.76 million 16.94
Hingham Institution for Savings Competitors $458.01 million $28.28 million 267.49

Hingham Institution for Savings’ competitors have higher revenue and earnings than Hingham Institution for Savings. Hingham Institution for Savings is trading at a lower price-to-earnings ratio than its competitors, indicating that it is currently more affordable than other companies in its industry.

Summary

Hingham Institution for Savings competitors beat Hingham Institution for Savings on 9 of the 12 factors compared.

About Hingham Institution for Savings

Hingham Institution for Savings (the Bank) is a Massachusetts-chartered savings bank (the Bank). The Bank is principally engaged in the business of residential and commercial real estate mortgage lending, funded by a retail deposit network and borrowings. The Bank provides a range of financial services to individuals and small businesses through its approximately 10 offices in Boston and southeastern Massachusetts. Its primary deposit products are savings, checking, and term certificate accounts, and its primary lending products are residential and commercial mortgage loans secured by properties in Eastern Massachusetts. The Bank offers personal checking accounts, money market and savings accounts, as well as longer term certificates of deposit for individuals, businesses, non-profits, cities and towns. The Bank’s loan portfolio includes residential real estate, commercial real estate, construction, home equity, commercial and consumer segments.

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