NASDAQ · Financial Statements

Hingham Institution for Savings (HIFS) Financial Statements

$302.79 NASDAQ: HIFS Market Cap $660.16M

Hingham Institution for Savings most recently reported annual revenue of $237.0M, net profit of $55.0M. Revenue grew at an average annual rate of 15.6% over the last 5 fiscal years. See the full income statement, balance sheet, and cash flow statement below, plus valuation and return ratios.

Hingham Institution for Savings: Revenue rose from $74.0M in 2016 to $237.0M in 2025, a change of +220.3% over 9 years; net profit was positive in all 10 reported years; operating margin moved from 54.1% to 30.7%, a shift of -23.4 percentage points; the most recent year shows net profit of $55.0M.

Income Statement — 10 Years (USD millions)

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Revenue	$74.0M	$82.0M	$92.0M	$116.0M	$115.0M	$123.0M	$118.0M	$191.0M	$217.0M	$237.0M
Operating Expenses	$34.0M	$38.0M	$50.0M	$62.0M	$45.0M	$31.0M	$64.0M	$155.0M	$181.0M	$164.0M
Operating Profit	$40.0M	$44.0M	$43.0M	$54.0M	$70.0M	$93.0M	$54.0M	$35.0M	$37.0M	$73.0M
Operating Margin	54.1%	53.5%	46.2%	46.3%	60.8%	75.1%	45.9%	18.5%	16.8%	30.7%
Other Income	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Interest	$13.0M	$17.0M	$28.0M	$40.0M	$21.0M	$8.0M	$33.0M	$126.0M	$152.0M	$132.0M
Depreciation	$1.0M	$1.0M	$1.0M	$1.0M	$1.0M	$1.0M	$0	$1.0M	$1.0M	$1.0M
Profit Before Tax	$40.0M	$44.0M	$43.0M	$54.0M	$70.0M	$93.0M	$54.0M	$35.0M	$37.0M	$73.0M
Tax	$41.1M	$41.6M	$28.9M	$27.3M	$27.6M	$27.2M	$30.9M	$25.1M	$22.8M	$25.1M
Net Profit	$23.0M	$26.0M	$30.0M	$39.0M	$51.0M	$67.0M	$38.0M	$26.0M	$28.0M	$55.0M
EPS	$10.89	$11.81	$13.90	$17.83	$23.26	$30.65	$17.04	$12.03	$12.85	$24.76
Dividend Payout	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%

Quarterly Results — Last 12 Quarters (USD millions)

8 duplicate period labels in the source data were collapsed.

Metric	Sep '23	Dec '23	Mar '24	Jun '24	Sep '24	Dec '24	Mar '25	Jun '25	Sep '25	Dec '25	Mar '26	Jun '26
Revenue	$46.0M	$53.0M	$54.0M	$52.0M	$53.0M	$59.0M	$51.0M	$54.0M	$64.0M	$67.0M	$42.0M	$72.0M
Operating Expenses	$41.0M	$44.0M	$46.0M	$46.0M	$45.0M	$44.0M	$42.0M	$41.0M	$41.0M	$40.0M	$38.0M	$39.0M
Operating Profit	$5.0M	$8.0M	$8.0M	$6.0M	$8.0M	$15.0M	$10.0M	$13.0M	$23.0M	$27.0M	$4.0M	$33.0M
Operating Margin	9.8%	15.6%	14.9%	10.9%	14.8%	25.6%	19.1%	23.8%	35.9%	40.4%	9.9%	46.5%
Interest	$34.0M	$37.0M	$38.0M	$39.0M	$38.0M	$37.0M	$34.0M	$33.0M	$34.0M	$32.0M	$30.0M	$29.0M
Profit Before Tax	$5.0M	$8.0M	$8.0M	$6.0M	$8.0M	$15.0M	$10.0M	$13.0M	$23.0M	$27.0M	$4.0M	$33.0M
Tax	$26.8M	$22.9M	$14.1M	$27.1M	$25.5M	$24.4M	$27.4M	$26.7M	$25.2M	$23.3M	$32.0M	$23.9M
Net Profit	$3.0M	$6.0M	$7.0M	$4.0M	$6.0M	$11.0M	$7.0M	$9.0M	$17.0M	$21.0M	$3.0M	$25.0M
EPS	$1.50	$2.89	$3.13	$1.88	$2.66	$5.18	$3.24	$4.28	$7.85	$9.39	$1.29	$11.49

Over the 10 years reported for Hingham Institution for Savings, borrowings increased from $476.0M in 2016 to $1.5B in 2025, cash stood at $7.0M in the latest year, shareholders' equity was $2.0M, current assets covered current liabilities 0.02 times.

Balance Sheet — 10 Years (USD millions)

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Total Assets	$2.0B	$2.3B	$2.4B	$2.6B	$2.9B	$3.4B	$4.2B	$4.5B	$4.5B	$4.5B
Current Assets	$354.0M	$394.0M	$301.0M	$257.0M	$239.0M	$277.0M	$369.0M	$371.0M	$361.0M	$16.0M
Cash	$323.0M	$355.0M	$296.0M	$252.0M	$234.0M	$271.0M	$362.0M	$362.0M	$352.0M	$7.0M
Inventory	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Receivables	$4.0M	$4.0M	$5.0M	$5.0M	$5.0M	$5.0M	$7.0M	$9.0M	$9.0M	$9.0M
Fixed Assets	$14.0M	$14.0M	$15.0M	$15.0M	$15.0M	$16.0M	$18.0M	$17.0M	$16.0M	$16.0M
Capital Work in Progress	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Investments	$1.6B	$1.9B	$2.0B	$2.3B	$2.6B	$3.1B	$3.7B	$4.0B	$4.0B	$4.5B
Other Assets	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Total Liabilities	$1.9B	$2.1B	$2.2B	$2.3B	$2.6B	$3.1B	$3.8B	$4.1B	$4.0B	$4.1B
Current Liabilities	$1.4B	$1.5B	$1.6B	$1.8B	$2.1B	$2.4B	$2.5B	$2.4B	$3.2B	$667.0M
Borrowings	$476.0M	$580.0M	$607.0M	$506.0M	$408.0M	$665.0M	$1.3B	$1.7B	$1.5B	$1.5B
Other Liabilities	$1.4B	$1.5B	$1.6B	$1.8B	$2.2B	$2.4B	$2.5B	$2.4B	$2.5B	$2.6B
Equity	$2.0M	$2.0M	$2.0M	$2.0M	$2.0M	$2.0M	$2.0M	$2.0M	$2.0M	$2.0M
Reserves	$161.0M	$186.0M	$213.0M	$247.0M	$293.0M	$355.0M	$386.0M	$408.0M	$432.0M	$480.0M

For Hingham Institution for Savings, operating cash flow was positive in 10 of 10 reported years; free cash flow in the latest year was $36.0M; free cash flow was positive in 10 of 10 years.

Cash Flow Statement — 10 Years (USD millions)

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Operating Cash Flow	$25.0M	$27.0M	$36.0M	$33.0M	$46.0M	$59.0M	$56.0M	$20.0M	$12.0M	$36.0M
Investing Cash Flow	$-183.0M	$-236.0M	$-188.0M	$-220.0M	$-282.0M	$-529.0M	$-688.0M	$-278.0M	$32.0M	$-38.0M
Financing Cash Flow	$150.0M	$141.0M	$68.0M	$248.0M	$319.0M	$254.0M	$116.0M	$-154.0M	$145.0M	$58.0M
Net Cash Flow	$62.0M	$32.0M	$-59.0M	$-44.0M	$-18.0M	$37.0M	$91.0M	$0	$-11.0M	$18.0M
Free Cash Flow	$25.0M	$27.0M	$35.0M	$33.0M	$44.0M	$57.0M	$53.0M	$18.0M	$12.0M	$36.0M

Valuation & Return Ratios

Metric	Value
PEG Ratio	0.10
EV / EBITDA	—
FCF Yield	—
Quick Ratio	—
Interest Coverage	—
Return 1Y	13.24%
Return 3Y	33.96%
Return 5Y	1.45%

Hingham Institution for Savings (HIFS) financials — frequently asked questions

What is Hingham Institution for Savings's annual revenue?

Hingham Institution for Savings (HIFS) reported annual revenue of $237.0M in its most recent fiscal year.

What is Hingham Institution for Savings's net profit?

Hingham Institution for Savings (HIFS) reported net profit of $55.0M in its most recent fiscal year.

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