HIFS
Hingham Institution for Savings Financial Services - Banks - Regional Investor Relations →
Hingham Institution for Savings (HIFS) closed at $285.18 as of 2026-07-31, trading 20.9% above its 200-week moving average of $235.79. The stock moved further from the line this week, up from 18.6% last week. The 14-week RSI sits at 50, indicating neutral momentum.
A big jump in activity this week — 2.2x the usual volume, and the price went up. Significantly more people than usual decided to buy. This kind of surge, especially on a stock already below its 200-week average, can be an early sign that sentiment is shifting.
Over the past 1915 weeks of data, HIFS has crossed below its 200-week moving average 17 times. On average, these episodes lasted 26 weeks. Historically, investors who bought HIFS at the start of these episodes saw an average one-year return of +10.3%.
With a market cap of $627 million, HIFS is a small-cap stock. Return on equity stands at 13.9%. The stock trades at 1.2x book value.
Over the past 33.6 years, a hypothetical investment of $100 in HIFS would have grown to $10012, compared to $3098 for the S&P 500. That represents an annualized return of 14.7% vs 10.8% for the index — confirming HIFS as a market-beating investment and the kind of quality company where buying during 200-week moving average touches has historically been rewarded.
Free cash flow has been declining at a -12.7% compound annual rate. A deteriorating cash flow trend warrants extra scrutiny — the stock may be cheap for a reason.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($M)
Revenue Annual revenue ($M) — business growth proxy
Total Debt Balance sheet debt ($M)
ROIC Return on invested capital (%)
FCF Yield Free cash flow / market cap (%) — Yartseva signal
Gross Margin Pricing power & competitive moat (%)
Shares Outstanding Buybacks vs dilution (millions)
Growth of $100: HIFS vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After HIFS Crosses Below the Line?
Across 16 historical episodes, buying HIFS when it crossed below its 200-week moving average produced an average return of +16.7% after 12 months (median +20.0%), compared to +18.1% for the S&P 500 over the same periods. 67% of those episodes were profitable after one year. After 24 months, the average return was +32.7% vs +8.4% for the index.
Each line shows $100 invested at the moment HIFS crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Bean Score Experimental
The Bean Score measures how far a stock's free cash flow yield has deviated from its own quarterly baseline, normalized by the stock's historical behavior. Between earnings dates, FCF is constant — so the score is purely a function of stock price. The levels below show at what prices HIFS would reach each dislocation threshold.
Dislocation Price Levels
Prices where HIFS's Bean Score would hit each σ threshold. Valid until next earnings report (date TBD — last report: 2026-03-31).
| Level | σ | Price | Signal |
|---|---|---|---|
| Deep Value | +2σ | $264.97 | Unusually cheap — potential buy zone |
| Value | +1σ | $280.55 | Cheap vs. own history |
| Fair Value | +0σ | $298.08 | Historical mean behavior |
| Expensive | -1σ | $317.94 | Expensive vs. own history |
| Deep Expensive | -2σ | $340.65 | Unusually expensive — potential trim zone |
Quarterly FCF & Yield Trailing twelve-month free cash flow and yield at each quarter end
Signal Accuracy Collecting Data
The Bean Score system is accumulating weekly data to validate signal accuracy. After 13+ weeks of history, this section will display win rates and average returns for each σ threshold crossing — answering the question: "When this score says cheap or expensive, does the price subsequently move in the expected direction?"
Theoretical framework — not backtested or forward-tested. The Bean Score uses trailing twelve-month free cash flow yield as a dislocation identifier. It measures whether the market has pushed a stock's yield unusually far from its own baseline behavior. These levels are reference points for identifying potential swing trade opportunities, not buy/sell signals. FCF values update quarterly with earnings; between reports, all movement is price-driven.
Dislocation Scores Experimental
Each score measures deviation from HIFS's own historical baseline — the same idea as the Bean Score, applied to different fundamentals. Positive means cheaper or more dislocated than this stock's norm. Scores marked σ are normalized by the stock's own variability; pp values are simple deltas from its recent baseline.
Theoretical framework — not backtested. These scores describe how unusual today's readings are for this specific company. They are starting points for research, not buy or sell signals. Annual-statement scores (buyback, accruals, FCF vs history) rest on only ~4 yearly data points and are deltas, not sigmas.
Historical Touches
HIFS has crossed below its 200-week MA 17 times with an average 1-year return of +10.3% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Nov 1989 | May 1991 | 78 | 68.1% | -61.9% | +15602.9% |
| Jun 1991 | Jan 1992 | 33 | 35.8% | +57.9% | +18343.5% |
| Dec 1999 | Dec 1999 | 2 | 3.3% | +13.7% | +3411.0% |
| Jan 2000 | Nov 2000 | 42 | 19.6% | +24.9% | +3386.5% |
| May 2006 | Jun 2006 | 2 | 2.1% | -7.9% | +1033.5% |
| Jun 2006 | Jul 2006 | 1 | 0.3% | -12.7% | +1017.6% |
| Aug 2006 | Sep 2006 | 3 | 1.5% | -16.5% | +1016.4% |
| Oct 2006 | Jul 2009 | 145 | 26.1% | -12.9% | +994.6% |
| Oct 2009 | Nov 2009 | 3 | 4.9% | +35.3% | +1175.3% |
| Feb 2020 | Aug 2020 | 24 | 26.5% | +34.3% | +67.4% |
| Sep 2020 | Oct 2020 | 4 | 2.2% | +69.1% | +64.0% |
| Mar 2023 | Aug 2024 | 76 | 39.5% | -28.4% | +21.0% |
| Sep 2024 | Nov 2024 | 9 | 8.6% | +10.5% | +19.4% |
| Dec 2024 | Jan 2025 | 4 | 9.1% | +16.2% | +14.6% |
| Mar 2025 | Apr 2025 | 8 | 13.0% | +14.3% | +20.1% |
| May 2025 | Jun 2025 | 6 | 11.4% | +17.3% | +17.4% |
| Jul 2025 | Aug 2025 | 4 | 3.5% | +22.6% | +18.4% |
| Average | 26 | — | +10.3% | — |
Frequently Asked Questions
Is HIFS below its 200-week moving average?
No. Hingham Institution for Savings (HIFS) is currently 20.9% above its 200-week moving average of $235.79. It would need to fall to $235.79 to cross below the line.
What is HIFS's 200-week moving average price?
Hingham Institution for Savings's 200-week moving average is $235.79 as of 2026-07-31. This is the average weekly closing price over roughly the last 4 years, and it acts as a long-term trend line. When a stock drops below this level, it can signal that the price has fallen far enough from the long-term trend to attract value-oriented investors.
What happens when HIFS drops below its 200-week moving average?
HIFS has crossed below its 200-week moving average 17 times in our data. On average, buying at that moment produced a one-year return of +10.3%. These dips have historically been decent entry points. These episodes lasted 26 weeks on average.
Is HIFS a good value right now?
Here's what our data says about HIFS as of 2026-07-31: The stock is above its 200-week moving average, so it doesn't currently meet our primary signal. The 14-week RSI is 50. Return on equity is 13.9%. Price-to-book is 1.2x. This is not a buy or sell recommendation — always do your own research.
How does HIFS compare to the S&P 500?
Over the past 33.6 years, $100 invested in HIFS would have grown to $10012, compared to $3098 for the S&P 500. That's 14.7% annualized vs 10.8% for the index. HIFS has outperformed the broader market over this period.
Does HIFS pay a dividend?
Yes. Hingham Institution for Savings currently pays a dividend yield of 89.00%.
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of week of 2026-07-31