Hingham Institution for Savings (HIFS)vsU.S. Bancorp (USB)
HIFS
Hingham Institution for Savings
$274.78
-0.21%
FINANCIAL SERVICES · Cap: $597.84M
USB
U.S. Bancorp
$51.89
-0.56%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 29011% more annual revenue ($26.35B vs $90.53M). HIFS leads profitability with a 49.9% profit margin vs 28.7%. USB trades at a lower P/E of 11.3x. USB earns a higher WallStSmart Score of 75/100 (B).
HIFS
Strong Buy70
out of 100
Grade: B-
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+68.7%
Fair Value
$961.74
Current Price
$274.78
$686.96 discount
Margin of Safety
+75.8%
Fair Value
$214.00
Current Price
$51.89
$162.11 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Keeps 50 of every $100 in revenue as profit
Strong operational efficiency at 77.9%
Revenue surging 102.0% year-over-year
Attractively priced relative to earnings
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.3%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Earnings expanding 24.7% YoY
Areas to Watch
2.0% earnings growth
Smaller company, higher risk/reward
Distress zone — elevated risk
Elevated debt levels
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : HIFS
The strongest argument for HIFS centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 49.9% and operating margin at 77.9%. Revenue growth of 102.0% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 39.3%.
Bear Case : HIFS
The primary concerns for HIFS are EPS Growth, Market Cap, Altman Z-Score. Debt-to-equity of 3.05 is elevated, increasing financial risk.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
HIFS profiles as a growth stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 1.04 — expect wider price swings.
HIFS is growing revenue faster at 102.0% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 70/100), backed by strong 28.7% margins. HIFS offers better value entry with a 68.7% margin of safety. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Hingham Institution for Savings
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Hingham Institution for Savings offers a variety of financial products and services to individuals and businesses in the United States. The company is headquartered in Hingham, Massachusetts.
U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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