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Hingham Institution for Savings
Hingham Institution for Savings (HIFS) investor relations material
Hingham Institution for Savings Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary16 Jan, 2026
Executive summary
Net income for 2025 was $54.6M ($24.76 per diluted share), up 92.7% year-over-year; core net income (excluding equity gains) was $32.1M ($14.58 per diluted share), up 159.9% year-over-year.
Fourth quarter 2025 net income was $20.7M ($9.39 per diluted share), up 82.0% from Q4 2024; core net income for the quarter was $10.0M ($4.54 per diluted share), up 110.2% year-over-year.
Return on average equity for 2025 was 12.00% and return on average assets was 1.22%, both showing significant improvement over 2024.
Financial highlights
Total assets grew 1.9% to $4.54B at year-end 2025; net loans increased 0.7% to $3.90B.
Retail and commercial deposits rose 2.9% to $2.06B; non-interest-bearing deposits surged 17.7% to $467.7M.
Book value per share increased 11.0% to $219.82; $3.22 in dividends per share declared, including a $0.70 special dividend.
Net interest margin for Q4 2025 was 1.89%, up from 1.74% in Q3 2025; annual net interest margin was 1.70%.
Outlook and guidance
Management remains focused on organic capital deployment, operational efficiency, and cost control.
Substantial growth opportunities are anticipated in existing markets, with ongoing investment in deposit relationships.
Update on $30.6M nonaccrual CRE loan resolution
Plans to improve organic capital deployment
NIM outlook given inverted yield curve strategy?
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Next Hingham Institution for Savings earnings date
Q1 20269 Apr, 2026
Hingham Institution for Savings
Next Hingham Institution for Savings earnings date
Q1 20269 Apr, 2026
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Frequently asked questions
Hingham Institution for Savings is a U.S.-based community bank offering a range of financial products and services, including personal and business banking, real estate lending, and deposit accounts. The bank primarily serves individuals, families, and small to mid-sized businesses, with a focus on tailored financial solutions for real estate investors and commercial clients. Through its branches and digital banking platform, Hingham Institution for Savings provides services such as checking and savings accounts, certificates of deposit, and loan products. The company is headquartered in Hingham, Massachusetts, and its shares are listed on NASDAQ.
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