Hingham Institution for Savings cash flow to debt ratio of 2.45% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Hingham Institution for Savings's free cash flow has increased 202.25% from $11.75M last year to $35.53M, signaling increasing performance

Hingham Institution for Savings's debt to equity ratio is 2.77, which means that the company's assets are unhealthy financed, signaling financial risk.

Hingham Institution for Savings's debt has decreased relative to shareholder equity from 3.47 last year to 2.77 today, signaling strengthened financials

Hingham Institution for Savings has a net debt to EBITDA ratio of 19.87x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk

Hingham Institution for Savings earns at least as much interest as it pays. Interest obligations are fully covered.

Hingham Institution for Savings's profit margin has increased (108.33%) in the last year from 12.97% to 27.02%, signaling increasing performance

Hingham Institution for Savings's short-term liabilities of $666.84M exceed its short-term assets of $15.90M, signaling financial risk

Hingham Institution for Savings's return on assets of 1.46% is lower than the 5.00% threshold, indicating inefficient asset utilization

Hingham Institution for Savings's return on equity of 13.73%, is lower than 15.00%, indicating bad performance

Hingham Institution for Savings's operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

Hingham Institution for Savings had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Hingham Institution for Savings has positive free cash flow, indicating the company generates cash after capital expenditures

Hingham Institution for Savings has a free cash flow yield of 5.45%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Hingham Institution for Savings's yearly earnings has increased 93.51% since last year from $28.19M to $54.55M, signaling increasing performance

Hingham Institution for Savings's yearly revenue has increased 8.92% since last year from $217.38M to $236.76M, signaling increasing performance

ROIC 1.46% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Hingham Institution for Savings's 3-year revenue CAGR of 26.02% is positive, indicating growing revenue over the past 3 years

Hingham Institution for Savings had revenue growth in 4 out of 5 years, indicating consistent revenue performance

Hingham Institution for Savings had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Hingham Institution for Savings has insufficient data to evaluate this check.

Hingham Institution for Savings has an earnings yield of 10.10%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Hingham Institution for Savings is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model

Hingham Institution for Savings has an EV/EBITDA ratio of 28.75x, which exceeds the 20.00x threshold, indicating the stock may be overvalued relative to its operating earnings

Hingham Institution for Savings is undervalued relative to its fair value price of 604.52 based on Earnings Fair Value model

Hingham Institution for Savings has a PEG-ratio over 1 which is considered overvalued

Hingham Institution for Savings has a price-to-book ratio of 1.29x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Hingham Institution for Savings has a price-to-sales ratio of 2.67x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue