Camden National vs Hingham Institution for Savings

This page compares Camden National and Hingham Institution for Savings, examining their business models, financial performance, and market context. It presents an objective overview to help readers understand each organisation in its sector and how they relate to broader industry trends. The content is designed to be accessible and neutral, without offering specific investment recommendations. Educational content, not financial advice.

This page compares Camden National and Hingham Institution for Savings, examining their business models, financial performance, and market context. It presents an objective overview to help readers un...

Comparison Snapshot

Key Financial Metrics

CAC

Metric

HIFS

$775.69M

Market Cap

$598.90M

-3.27%

Potential Profit

N/A

Buy

Analyst Rating

N/A

Investment Analysis

Camden National

CAC

Pros

Camden National reported record Q3 2025 net income of $21.2 million, up 51% from the previous quarter, marking its strongest performance since 2021.
The company has a strong asset quality with non-performing assets at only 0.12% and a solid loan-to-deposit ratio of 93%.
Recent strategic acquisition of Northway Financial, Inc. is expected to accelerate growth and has already bolstered capital ratios above regulatory requirements.

Considerations

Camden National’s market cap is modest at around $690 million, which may limit its growth scale compared to larger regional peers.
Although earnings and revenues have been growing, its efficiency ratio around 54-55% indicates there is still room for operational improvement.
Stock beta is relatively low at 0.67, potentially indicating less price volatility but also less upside participation in rising markets.

Hingham Institution for Savings

HIFS

Pros

Hingham Institution for Savings delivered a strong trailing twelve months net income of $45.21 million on revenues of $90.53 million.
The stock trades at a reasonable P/E of approximately 15.2 with an attractive dividend yield of 0.81% and stable earnings per share around $20.54.
The company has a diversified loan portfolio including residential, commercial real estate, construction, and consumer loans, supporting stable income generation.

Considerations

Return on assets and equity are relatively low compared to peers, indicating potentially weaker profitability or capital efficiency.
The stock price is relatively high at near all-time highs, with a 52-week range of $209.71 to $320, which may limit near-term upside.
Lacks recent analyst coverage and visible price targets, which may increase uncertainty for investors seeking external validation.

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Related Market Insights

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About The Companies

Camden National (CAC)

Camden National Corporation is the bank holding company for Camden National Bank. Its core business involves attracting deposits and providing loans to a diverse customer base, including consumers, businesses, municipalities, and non-profit organisations. Beyond traditional banking, the company offers a suite of financial services such as wealth management, trust services, brokerage, and investment advice. Catering to the modern customer, Camden National has invested in a range of digital products. These platforms enable customers to manage their finances remotely, with specialised online systems for consumer borrowers, small business loans, and advanced cash management for commercial clients. This blend of traditional community banking and digital innovation defines its service model in the Northeast US. Remember, investing in any company carries risks, and past performance is not an indicator of future results.

Hingham Institution for Savings (HIFS)

Hingham Institution for Savings (HIFS) is a Massachusetts‑based mutual holding company operating as a community bank that provides residential mortgages, commercial lending and deposit services to individuals and small businesses. With a market capitalisation around $633m, it sits in the small‑cap regional bank segment and relies on a local deposit franchise and a loan book concentrated in its New England footprint. Investors should note HIFS’s sensitivity to interest‑rate movements (which affect net interest margin and loan demand), credit quality in a regional economy, and competition for deposits. The company has historically emphasised conservative underwriting and steady dividend payments, but earnings can fluctuate with rate cycles and loan growth. This summary is educational and not personal investment advice; past performance is not a reliable indicator of future results. Suitability depends on your financial goals, risk tolerance and time horizon — consult a licensed adviser for tailored guidance.

Which Baskets Do They Appear In?

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Which Baskets Do They Appear In?

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Camden National vs Hingham Institution for Savings

Comparison Snapshot