Definitive Analysis
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Definitive Analysis

Financial Statements

Company Industry Sector

Fundamentals

Margins Returns Growth Rates Metrics/Ratios

Valuations

Projections DCF DDM EPV Multiples Valuations

Miscellaneous

Indicators Charts WACC Beta Predictability

Ticker

Industry

Sector

Hingham Institution for Savings (HIFS)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$400.28 - $883.78$576.37
Multi-Stage$328.01 - $358.98$343.21
Blended Fair Value$459.79
Current Price$263.78
Upside74.31%
DecisionBuy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018201720162015
DPS4.73%6.52%2.493.082.992.622.241.981.681.571.472.07
YoY Growth---19.02%2.87%13.91%17.08%13.40%17.94%6.83%6.67%-28.93%56.24%
Dividend Yield--1.05%1.77%1.28%0.76%0.79%1.36%0.97%0.77%0.83%1.74%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)45.21
(-) Cash Dividends Paid (M)5.50
(=) Cash Retained (M)39.71
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)9.045.653.39
Cash Retained (M)39.7139.7139.71
(-) Cash Required (M)-9.04-5.65-3.39
(=) Excess Retained (M)30.6734.0636.32
(/) Shares Outstanding (M)2.202.202.20
(=) Excess Retained per Share13.9315.4716.50
LTM Dividend per Share2.502.502.50
(+) Excess Retained per Share13.9315.4716.50
(=) Adjusted Dividend16.4317.9718.99
WACC / Discount Rate8.81%8.81%8.81%
Growth Rate4.52%5.52%6.52%
Fair Value$400.28$576.37$883.78
Upside / Downside51.75%118.50%235.04%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)45.2147.7050.3353.1156.0459.1460.91
Payout Ratio12.15%27.72%43.29%58.86%74.43%90.00%92.50%
Projected Dividends (M)5.5013.2321.7931.2641.7153.2256.34

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate8.81%8.81%8.81%
Growth Rate4.52%5.52%6.52%
Year 1 PV (M)12.0412.1512.27
Year 2 PV (M)18.0618.4118.76
Year 3 PV (M)23.5924.2724.97
Year 4 PV (M)28.6529.7630.91
Year 5 PV (M)33.2834.9036.58
PV of Terminal Value (M)606.60636.18666.90
Equity Value (M)722.21755.67790.38
Shares Outstanding (M)2.202.202.20
Fair Value$328.01$343.21$358.98
Upside / Downside24.35%30.11%36.09%

High-Yield Dividend Screener

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