Profitability
Weight: 25%
C-
50
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 0.9%
- Operating Margin Trend -11.77 pp/yr
HIFS
Hingham Institution for Savings
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
C+
61
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 8.9%
- 5yr Share-Count CAGR 0.1%
Growth Quality
Weight: 10%
B-
68
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 15.7%
- 5yr EPS CAGR -5.2%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
B
74
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 0.84x
Balance Sheet
Weight: 30%
C+
59
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 10.6%
- Interest Coverage (EBIT/Int) 0.55x
Stability
Weight: 10%
C+
59
- EPS Volatility (σ/μ) 0.41
- Piotroski F-Score 6
- Negative-Revenue Years (5) 1/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 2 gurus held; 1 added; 1 trimmed.
- Holders
- 2
- Avg Δ position
- +111.4%
- New buys
- 0
- Full exits
- 0