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Hingham Institution for Savings (HIFS) investor relations material
Hingham Institution for Savings Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary9 Oct, 2025
Executive summary
Net income for Q3 2025 was $17.3M ($7.85 diluted EPS), up 195.1% year-over-year; core net income (excluding equity securities gains) was $8.5M ($3.86 diluted EPS), up 168.1% year-over-year.
For the first nine months of 2025, net income was $33.8M ($15.37 diluted EPS), up 100.4% year-over-year; core net income was $22.1M ($10.03 diluted EPS), up 190.7% year-over-year.
Book value per share rose to $211.67, up 9.4% year-over-year.
Financial highlights
Total assets reached $4.53B, up 1.8% year-over-year.
Net loans grew to $3.91B, up 1.3% year-over-year.
Retail and commercial deposits were $1.99B, up 0.7% year-over-year; non-interest-bearing deposits grew 20.8% year-over-year.
Wholesale funds totaled $2.03B, up 0.8% year-over-year; FHLB borrowings were $1.53B.
Regular cash dividend of $0.63 per share declared; 127th consecutive quarterly dividend.
Outlook and guidance
Management remains focused on organic loan growth, cost control, and operational efficiency.
Capital allocation decisions, including special dividends and share repurchases, will be reviewed quarterly.
Update on $30.6M nonaccrual CRE loan resolution?
What's hindering loan growth despite opportunities?
Discuss Q4 2025 special dividend considerations.
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Next Hingham Institution for Savings earnings date
Q4 202516 Jan, 2026
Next Hingham Institution for Savings earnings date
Q4 202516 Jan, 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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