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Stock Ratings / Financials / HIFS / dividends
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Hingham Institution for Savings (HIFS) Dividend Safety Gauge & 10-Year DRIP Compounder

$309.81 +3.10% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $310.95

Hingham Institution for Savings (HIFS) carries a Roarable Rating of D+ (Sell) with 53/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $646.6M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on HIFS Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is HIFS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, Hingham Institution for Savings (NASDAQ: HIFS) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 53/100 at a spot price of $309.81 (+3.10% 1D, market cap $646.6M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 10/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 10/20, and Executive Insider Alignment 9/20. Across 1097 tracked Financials issuers, HIFS ranks #575 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does HIFS compare to TCBX and GCBC in the Financials sector?
▼

Within the Financials sector (Banks), HIFS carries a Roarable D+ (53/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, TCBX (Third Coast Bancshares Inc.) holds a D+ grade (55/100 RQD, P/E 10.2x, ROIC 12.5%, cap $664.4M) and GCBC (Greene County Bancorp Inc.) posts a C+ grade (67/100 RQD, P/E 19.6x, ROIC 12.1%, cap $608.8M). Among the 5-stock peer group, TCBX leads on earnings multiple (10.2x) while TCBX leads on capital efficiency (12.5% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for HIFS?
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For Hingham Institution for Savings (HIFS), key quantitative strengths include Established market leader in Financials with deep daily trading liquidity and sector rank #575 in Financials, while primary risk factors center on Company executives have done more routine share selling than personal cash buying lately and Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $310.96 (+0.37%)🧬 Disciplined Float (-0.40% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 0.5% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 53/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.9% avg 90D alpha vs SPY • 50.6% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D+
025507510053
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D · Rk D+
Cash (11)Whales (10)SEC (13)Macro (10)CEO (9)
Each axis scored 0–20
12M PRICE TARGET CONE-2.2% Base Target
$357 Bull$303 Base$236 Bear
📬 FREE HIFS RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for HIFS)Realized 20D OHLCV Swing Band: ±5.4%
Deterministic 5-Pillar Attribution (53/100 Composite)
🔍 WHY HIFS SCORES 53/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (25% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9

▲ #2 Bullish Driver: Cash Engine Quality+11/20 pts (21% of score)

SEC XBRL Trailing 12 Months: 0.5% FCF Margin ($18.1M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution9/20 pts (-11 pt drag)

Disciplined Float (-0.40% YoY Shares) & executive Form 4 sales trim 11 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
45
Grade D$290.34+2.5% Next Q
Q2 (-2Q)
48
Grade D$297.58+2% Next Q
Q3 (-1Q)
50
Grade C-$303.56+2.1% Next Q
Current
53
Grade D+$309.81-0.9% Hist 90D α
Trajectory: D (45) → D+ (53)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a HIFS Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While HIFS currently carries a cautious 53/100 (D+) rating due to Insider Conviction & Share Dilution (9/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($297.52) and Max Pain ($325.30) forces dealer call-delta covering toward $357.35.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Disciplined Float (-0.40% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $HIFS• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “HIFS Beats Next Quarter EPS Consensus (Upcoming Quarter) & Holds Above 200D SMA”
YES 53%NO 47%Trade / Inspect Odds →
CASH DIVIDEND + BUYBACK YIELD
1.8% Total Yield
0% Cash ($0.00/yr) + 1.8% Buybacks
PAYOUT SAFETY SPEEDOMETER
74/100 • REINVESTING IN GROWTH + BUYBACKS
FREE CASH FLOW PAYOUT RATIO
0% (100% Reinvested)
Retains cash flow for R&D and share repurchases
INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (6.8% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $19,307

Est. Year-10 Shareholder Yield: $348/yr
$10.7K
Yr 1
$11.4K
Yr 2
$12.2K
Yr 3
$13.0K
Yr 4
$13.9K
Yr 5
$14.8K
Yr 6
$15.8K
Yr 7
$16.9K
Yr 8
$18.1K
Yr 9
$19.3K
Yr 10
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring HIFS)

  • ✓Walkthrough of HIFS's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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HIFS // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +11.05%📐 HORIZONTAL RANGE
2026-11-03O $306.1H $309.8L $301.1C $309.8VOL 29.2K
RES: $321.9SUP: $280.7SMA50: $297.5SMA200: $293.4
$326.6$307.4$288.1$268.9$249.7RES $321.9SUP $280.7$309.82026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

HIFS Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 HIFS Butterfly Map → + Track HIFS →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
8.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on HIFS today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for HIFS. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for HIFS today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (HIFS)

Financials Rank #575 of 1097 ⚔️ TCBX vs HIFS Full Matrix →

1. Head-to-Head Financials Peer Comparison (HIFS vs. TCBX, GCBC, SMBC, HBCP)

Industry: Banks (24 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Hingham Institution for Savings (HIFS) ranks #575 by composite RQD confidence (53/100, grade D+) and #646 by equity capitalization ($646.6M). Within this direct 5-issuer industry benchmark cohort, TCBX leads on earnings valuation at 10.2x trailing P/E, while TCBX leads on capital efficiency and profitability with 12.5% ROIC and — gross margin. GCBC currently holds the highest overall quantitative score in the immediate peer group at 67/100 (C+) compared with HIFS at 53/100 (D+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
HIFS ACTIVE
Hingham Institution for Savings
D+ 53/100 — — — +3.10% $646.6M Benchmark Subject
TCBX
Third Coast Bancshares Inc.
D+ 55/100 10.2x — 12.5% +1.96% $664.4M /tcbx-vs-hifs →
GCBC
Greene County Bancorp Inc.
C+ 67/100 19.6x — 12.1% +2.32% $608.8M /gcbc-vs-hifs →
SMBC
Southern Missouri Bancorp Inc.
C 64/100 13.5x — 10.3% +2.21% $778.6M /smbc-vs-hifs →
HBCP
Home Bancorp Inc.
D+ 53/100 10.5x — 10.6% +2.22% $477.0M /hbcp-vs-hifs →

2. HIFS Fundamental Profitability, Capital Efficiency & Balance-Sheet Forensics

TRAILING 12M & FORWARD QUANTITATIVE SNAPSHOT

Hingham Institution for Savings (HIFS) operates in Banks (Financials) with an equity capitalization of $646.6M, trailing P/E of N/A, forward P/E of N/A, and EV/EBITDA of N/A. Operating profitability registers a gross margin of —, operating margin of —, net profit margin of —, ROIC of —, and free cash flow yield of —, alongside an Altman Z-Score of N/A and Piotroski F-Score of N/A.

3. HIFS Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is HIFS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Hingham Institution for Savings (NASDAQ: HIFS) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 53/100 at a spot price of $309.81 (+3.10% 1D, market cap $646.6M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 10/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 10/20, and Executive Insider Alignment 9/20. Across 1097 tracked Financials issuers, HIFS ranks #575 in composite RQD confidence.

How does HIFS compare to TCBX and GCBC in the Financials sector?

Within the Financials sector (Banks), HIFS carries a Roarable D+ (53/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, TCBX (Third Coast Bancshares Inc.) holds a D+ grade (55/100 RQD, P/E 10.2x, ROIC 12.5%, cap $664.4M) and GCBC (Greene County Bancorp Inc.) posts a C+ grade (67/100 RQD, P/E 19.6x, ROIC 12.1%, cap $608.8M). Among the 5-stock peer group, TCBX leads on earnings multiple (10.2x) while TCBX leads on capital efficiency (12.5% ROIC).

What are the biggest fundamental strengths and SEC risk factors for HIFS?

For Hingham Institution for Savings (HIFS), key quantitative strengths include Established market leader in Financials with deep daily trading liquidity and sector rank #575 in Financials, while primary risk factors center on Company executives have done more routine share selling than personal cash buying lately and Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is HIFS trading relative to its 50-day, 200-day, and 52-week technical levels?

HIFS last traded at $309.81 (+3.10% on volume of 29,915 shares), positioning the stock +4.13% above its 50-day simple moving average ($297.52) and +5.60% above its 200-day simple moving average ($293.39). Across its 52-week range of $249.58 to $338.00, HIFS sits at the 68.1% percentile with a 14-day RSI of 53.2 (NEUTRAL RANGE) and an implied next-earnings move of ±5.4% ($293.08 to $326.54).

Direct Sub-Reports: HIFS RQD Cockpit HIFS 12M Forecast HIFS Earnings & Move HIFS Dividends & DRIP HIFS Insiders & 13F HIFS Whale Options HIFS Profit Sankey HIFS News & Why
ROARABLE RATING BRIEF • RQD 53/100 (D+) ✓ SEC XBRL & RQD VERIFIED

HIFS — Hingham Institution for Savings: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2026-11-03

1. Roarable Rating Brief: What This Means to a Prospective Investor

Hingham Institution for Savings (HIFS) earns a live Roarable RQD composite score of 53/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $309.81 (+3.10% 1D, market capitalization $646.6M).

  • Fundamental Cash Engine (11/20): Anchored by return on invested capital (ROIC) of —, gross margin of —, operating margin of —, and free cash flow yield of —.
  • Whale 13F & Options Flow (10/20) + Insider Conviction (9/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (10/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of N/A, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

.7B. — for how the company makes money beyond its sector and industry classification.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D+ • RQD 53/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of — and institutional whale pillar of 10/20. With Fundamental Cash Engine at 11/20 and Institutional Whale Flow at 10/20, sustained execution supports upside toward the upper end of the $249.58 – $338.00 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Sector classification is Financials / Banks, but no sector correlation coefficients or 2nd-order bottleneck data are provided. Investors should note that the absence of mapped links means this dossier cannot identify contagion paths or concentration risks from the graph itself.

  • Key Question #1: Can HIFS sustain or expand its — operating margin and — ROIC against Banks peers over the next 4 quarters?
  • Key Question #2: Will free cash flow conversion (— FCF yield) strengthen balance-sheet liquidity (Altman Z-Score N/A) toward the $338.00 52-week high?
  • Key Question #3: How sensitive is HIFS's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

HIFS Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Hingham Institution for Savings (HIFS) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to HIFS Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

HIFS Bull vs. Bear Conversation Board — What's Your Call at $309.81?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON HIFS 🐻 33% BEARISH CONVICTION
1. Pick Your Side on HIFS:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
SI SiliconVal_Bull RQD DEBATE OPENER • Growth & Tech Investor 🐂 BULLISH 🎯 Target: $376.40 (+25.0%)
📌 Pinned Debate

Balance-sheet quality is the strongest pillar, with an Altman Z of 2.5, Piotroski F of 6/9, and Debt/Equity of 0.5.

Don't sleep on HIFS's setup in Financials. Balance-sheet quality is the strongest pillar, with an Altman Z of 2.5, Piotroski F of 6/9, and Debt/Equity of 0.5.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (53/100) backs up the fundamental quality.

VolSurface_Trader 🐂 BULL

@ShortSeller_Dan Shorting a 10/20 institutional whale-flow stock at $301.12 is dangerous when funds are rotating into Financials.

SH ShortSeller_Dan RQD DEBATE OPENER • Forensic Short Bias 🐻 BEARISH 🎯 Target: $240.90 (-20.0%)
Spot @ $301.12

Cash generation and insider conviction are weak, with ROIC at 0%, FCF yield at 0%, and the insider pillar at 9/20.

Fading this rally in HIFS at $301.12. Cash generation and insider conviction are weak, with ROIC at 0%, FCF yield at 0%, and the insider pillar at 9/20.. With a beta of 1.0 and the stock sitting at $301.12 (52-wk range $249.58–$338.00), the easy multiple expansion is already priced in.

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