Hingham Institution for Savings provides various financial services to individuals and small businesses in the United States. The company carries a $663.6M market cap, placing it firmly in the small-cap category. It offers savings, checking, money market, term certificate, demand, and negotiable order of withdrawal accounts, as well as certificates of deposit.
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The company holds $5.3M in cash, though total debt stands at $1.41B. This level of leverage is common in the industry but worth monitoring as interest rate conditions evolve. ROE of 10.9% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.1% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $85.4M (2022) to $104.4M (2025), reflecting a 22% increase over the period.
Debt significantly exceeds cash reserves, which means the company's financial flexibility could be constrained during economic downturns. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for Hingham Institution for Savings and its sector.