Is HIFS (HIFS) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 80.1% | |
| Net Margin | 53.1% | |
| Return on Equity (ROE) | 12.0% | |
| Return on Assets (ROA) | 1.2% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $36M |
| Free Cash Flow | $36M |
| Total Debt | $1.5B |
| Total Assets | $4.5B |
Price & Trading
| Last Close | $274.78 |
| 50-Day MA | $294.16 |
| 200-Day MA | $278.22 |
| Avg Volume | 65K |
| Beta | 1.0 |
|
52-Week Range
$209.71
| |
About HIFS (HIFS)
Hingham Institution for Savings provides various financial services to individuals and small businesses in the United States. It offers savings, checking, money market, term certificate, demand, and negotiable order of withdrawal accounts, as well as certificates of deposit. The company provides commercial and residential owner-occupied real estate, construction, home equity, consumer, and commercial loans; and origination of loans. In addition, it offers ATMs, debit cards, and Internet-based banking services. Further, the company invests in short-term income investments, such as U.S. treasury debt securities, U.S. Government-sponsored enterprise debt securities, bank subordinated debt, and FDIC-insured certificates of deposit; and equity investments, corporate bonds, CRA investments, and federal home loan bank stock, as well as bank-owned life insurance. Hingham Institution for Savings was incorporated in 1834 and is headquartered in Hingham, Massachusetts.
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Frequently Asked Questions
Is HIFS (HIFS) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), HIFS is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is HIFS's debt ratio?
HIFS's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are HIFS's key financial metrics?
HIFS has a market capitalization of $598M, trailing P/E ratio of 11.1, and revenue of $104M. Return on equity stands at 12.0%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.