HIFS PEER ANALYSIS

Hingham Institution for Savings — metric-by-metric comparison with peers and the industry median

HIFSHingham Institution for Savings

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

HIFSIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	HIFS	TSKB	NWG	LLOY	SKBNK	ICBCT	Ind. Median
P/E	13.94	2.96●	9.16	13.38	20.06	15.65	12.88
P/B	1.45	0.71●	1.41	1.41	3.18	3.99	1.29
EV/EBITDA	31.05	2.21	-8.43	14.82	1.78	-9.21●	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	HIFS	TSKB	NWG	LLOY	SKBNK	ICBCT	Ind. Median
Current Ratio	70.28●	—	0.25	0.12	—	—	0.31
Debt/Equity	292.9%	0.0%●	17.0%	209.8%	0.0%●	0.0%●	38.0%
NetDebt/EBITDA	20.74	-0.47	-14.68	5.39	-13.41	-20.34●	-0.58

Profitability
Metric	HIFS	TSKB	NWG	LLOY	SKBNK	ICBCT	Ind. Median
Net Margin	22.1%	54.9%●	20.1%	25.9%	14.2%	24.7%	20.6%
ROE	10.9%	27.4%	14.9%	10.6%	17.5%	28.9%●	10.9%
ROA	1.1%	3.7%●	0.8%	0.5%	1.2%	1.1%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	HIFS	TSKB	NWG	LLOY	SKBNK	ICBCT	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	76.7%●	-1.3%	16.0%	16.2%	8.1%	—	19.4%
Div. Yield	0.8%	—	4.8%●	3.2%	—	—	2.5%
Payout	14.0%	—	—	—	—	—	31.4%

Valuation
Metric	HIFS	WASH	CARE	AROW	SPFI	PFIS	Ind. Median
P/E	13.94	12.95	6.69●	13.25	11.94	11.42	12.88
P/B	1.45	1.25●	1.43	1.54	1.44	1.28	1.29
EV/EBITDA	31.05	18.04	—	9.74	-0.84●	11.18	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	HIFS	WASH	CARE	AROW	SPFI	PFIS	Ind. Median
Current Ratio	70.28●	—	0.14	25.33	0.22	0.43	0.31
Debt/Equity	292.9%	116.6%	—	7.8%●	12.0%	59.8%	38.0%
NetDebt/EBITDA	20.74	8.42	—	0.07	-9.62●	3.07	-0.58

Profitability
Metric	HIFS	WASH	CARE	AROW	SPFI	PFIS	Ind. Median
Net Margin	22.1%	13.9%	33.8%●	20.7%	20.3%	20.7%	20.6%
ROE	10.9%	9.9%	23.9%●	12.1%	12.8%	11.7%	10.9%
ROA	1.1%	0.8%	2.3%●	1.1%	1.3%	1.1%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	HIFS	WASH	CARE	AROW	SPFI	PFIS	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	76.7%	—	291.0%●	80.3%	18.7%	194.0%	19.4%
Div. Yield	0.8%	6.1%●	—	2.8%	1.5%	3.6%	2.5%
Payout	14.0%	82.1%	—	37.5%	17.1%	42.0%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.