Profitability
Weight: 25%
B+
78
Scored using efficiency ratio — bank-archetype substitution.
- Efficiency Ratio (FY2025) 29.3%
- Efficiency Ratio Trend +0.40 pp/yr
HIFS
Hingham Institution for Savings
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
B-
62
- 5yr Avg ROE 10.6%
- 5yr Share-Count CAGR 0.2%
Growth Quality
Weight: 15%
B
70
Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.
- 5yr Revenue CAGR 15.5%
- Efficiency Ratio Trend (growth quality check) +0.40 pp/yr
- Revenue-Growth Years (5) 4/5
Cash Generation
Weight: 15%
F
25
Scored using efficiency-ratio stability — bank-archetype substitution.
- Efficiency Ratio Stability (σ) 0.08
Balance Sheet
Weight: 20%
A-
82
Scored using equity-to-assets — bank-archetype substitution.
- Equity / Assets 10.6%
Stability
Weight: 10%
C+
59
- EPS Volatility (σ/μ) 0.41
- Negative-Revenue Years (5) 1/5
- Piotroski F-Score 6
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
- +15.0%
- New buys
- 0
- Full exits
- 0