HGH · Financial Services
$1.05
Profit generated per $1 of shareholder investment
Annual dividends as percentage of stock price
7.69% yield meets Barsi's 6% minimum. Based on 6-year average, not one-time spikes.
Yield (TTM)
3.81%
P/E Ratio
26.13
P/B Ratio
0.94
52W Low
$0.66
52W High
$1.10
Owner Earnings
$0.06B
Intrinsic Value
$1.21B
EPS CAGR
-36.0%
Analysis based on Warren Buffett and Luiz Barsi methodologies. Not financial advice. Learn how we analyze stocks →
Buffett analysis may be affected.
ROE dropped to 3.2% in a weak year. Buffett requires consistency - one bad year can reveal underlying vulnerability.
Net Income ÷ Shareholders' Equity × 100Real cash left after running the business
Positive cash generation. Company produces real cash after capital expenditures - can fund dividends, buybacks, or growth.
Operating Cash Flow - Capital ExpendituresConsistency of profits over time
Only 4/10 positive EPS years. Buffett requires predictable earnings he can forecast 5-10 years out.
Count of positive EPS years in 10-year historyReturn on investment at current price (inverse of P/E)
4.0% earnings yield is below required 7.5% (4.5% Treasury + 745.5% risk premium).
(EPS ÷ Stock Price) × 100Discount to intrinsic value (Two-Stage DCF)
19% margin is below the 30% minimum required for this sector.
(Intrinsic Value - Market Cap) ÷ Intrinsic Value × 100. Intrinsic Value = PV of 10-year growth period + PV of terminal value (perpetuity at 2.5% growth), discounted at Treasury rate + industry risk premium (6-9%).Annual Dividends per Share ÷ Stock Price × 100Track record of consistent dividend payments
8 years of dividends. Pandemic exception applied - dividends recovered to 111% of pre-pandemic levels.
Highest price to lock in 6% yield
Excellent entry point. 22% below ceiling means you're locking in well over 6% yield.
6-Year Average Annual Dividend ÷ 0.06Industry category of the business
Banking is an essential service sector with stable, predictable cash flows - ideal for dividend investing.