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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.30
HFFC's Cash to Debt is ranked lower than
77% of the 972 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.45 vs. HFFC: 0.30 )
Ranked among companies with meaningful Cash to Debt only.
HFFC' s 10-Year Cash to Debt Range
Min: 0.06   Max: 2
Current: 0.3

0.06
2
Equity to Asset 0.09
HFFC's Equity to Asset is ranked lower than
61% of the 1285 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. HFFC: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
HFFC' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.1
Current: 0.09

0.06
0.1
Interest Coverage 1.04
HFFC's Interest Coverage is ranked lower than
63% of the 1197 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.68 vs. HFFC: 1.04 )
Ranked among companies with meaningful Interest Coverage only.
HFFC' s 10-Year Interest Coverage Range
Min: 0.03   Max: 1.04
Current: 1.04

0.03
1.04
F-Score: 4
Z-Score: 0.24
WACC vs ROIC
2.86%
1.38%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 8.53
HFFC's Operating margin (%) is ranked lower than
87% of the 1348 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.14 vs. HFFC: 8.53 )
Ranked among companies with meaningful Operating margin (%) only.
HFFC' s 10-Year Operating margin (%) Range
Min: 0.97   Max: 28.2
Current: 8.53

0.97
28.2
Net-margin (%) 6.77
HFFC's Net-margin (%) is ranked lower than
87% of the 1348 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.21 vs. HFFC: 6.77 )
Ranked among companies with meaningful Net-margin (%) only.
HFFC' s 10-Year Net-margin (%) Range
Min: 1.47   Max: 18.9
Current: 6.77

1.47
18.9
ROE (%) 3.09
HFFC's ROE (%) is ranked lower than
82% of the 1345 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.23 vs. HFFC: 3.09 )
Ranked among companies with meaningful ROE (%) only.
HFFC' s 10-Year ROE (%) Range
Min: 0.72   Max: 11.86
Current: 3.09

0.72
11.86
ROA (%) 0.25
HFFC's ROA (%) is ranked lower than
83% of the 1352 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.81 vs. HFFC: 0.25 )
Ranked among companies with meaningful ROA (%) only.
HFFC' s 10-Year ROA (%) Range
Min: 0.06   Max: 1.15
Current: 0.25

0.06
1.15
ROC (Joel Greenblatt) (%) 28.56
HFFC's ROC (Joel Greenblatt) (%) is ranked lower than
75% of the 1334 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 75.42 vs. HFFC: 28.56 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
HFFC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 2.99   Max: 135.66
Current: 28.56

2.99
135.66
Revenue Growth (3Y)(%) -0.50
HFFC's Revenue Growth (3Y)(%) is ranked lower than
62% of the 1133 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.70 vs. HFFC: -0.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
HFFC' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 12.5
Current: -0.5

0
12.5
EBITDA Growth (3Y)(%) 67.60
HFFC's EBITDA Growth (3Y)(%) is ranked higher than
97% of the 986 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. HFFC: 67.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
HFFC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 67.6
Current: 67.6

0
67.6
EPS Growth (3Y)(%) 111.00
HFFC's EPS Growth (3Y)(%) is ranked higher than
98% of the 1002 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.10 vs. HFFC: 111.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
HFFC' s 10-Year EPS Growth (3Y)(%) Range
Min: -59.2   Max: 111
Current: 111

-59.2
111
» HFFC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 32.30
HFFC's P/E(ttm) is ranked lower than
90% of the 1436 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.10 vs. HFFC: 32.30 )
Ranked among companies with meaningful P/E(ttm) only.
HFFC' s 10-Year P/E(ttm) Range
Min: 5.87   Max: 130
Current: 32.3

5.87
130
Forward P/E 12.67
HFFC's Forward P/E is ranked lower than
57% of the 1316 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.14 vs. HFFC: 12.67 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 33.20
HFFC's PE(NRI) is ranked lower than
90% of the 1210 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.10 vs. HFFC: 33.20 )
Ranked among companies with meaningful PE(NRI) only.
HFFC' s 10-Year PE(NRI) Range
Min: 5.85   Max: 131.44
Current: 33.2

5.85
131.44
P/B 1.00
HFFC's P/B is ranked higher than
62% of the 1634 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. HFFC: 1.00 )
Ranked among companies with meaningful P/B only.
HFFC' s 10-Year P/B Range
Min: 0.45   Max: 1.52
Current: 1

0.45
1.52
P/S 2.20
HFFC's P/S is ranked higher than
69% of the 2101 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.90 vs. HFFC: 2.20 )
Ranked among companies with meaningful P/S only.
HFFC' s 10-Year P/S Range
Min: 0.78   Max: 5.72
Current: 2.2

0.78
5.72
PFCF 18.90
HFFC's PFCF is ranked lower than
75% of the 1116 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.80 vs. HFFC: 18.90 )
Ranked among companies with meaningful PFCF only.
HFFC' s 10-Year PFCF Range
Min: 1.98   Max: 290.63
Current: 18.9

1.98
290.63
POCF 10.29
HFFC's POCF is ranked lower than
55% of the 961 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.38 vs. HFFC: 10.29 )
Ranked among companies with meaningful POCF only.
HFFC' s 10-Year POCF Range
Min: 1.82   Max: 461.13
Current: 10.29

1.82
461.13
EV-to-EBIT 38.24
HFFC's EV-to-EBIT is ranked lower than
87% of the 1371 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.34 vs. HFFC: 38.24 )
Ranked among companies with meaningful EV-to-EBIT only.
HFFC' s 10-Year EV-to-EBIT Range
Min: 8.3   Max: 370.5
Current: 38.24

8.3
370.5
Shiller P/E 20.40
HFFC's Shiller P/E is ranked lower than
66% of the 1029 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.00 vs. HFFC: 20.40 )
Ranked among companies with meaningful Shiller P/E only.
HFFC' s 10-Year Shiller P/E Range
Min: 6.33   Max: 21.01
Current: 20.4

6.33
21.01
Days Sales Outstanding 39.09
HFFC's Days Sales Outstanding is ranked lower than
56% of the 771 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 34.67 vs. HFFC: 39.09 )
Ranked among companies with meaningful Days Sales Outstanding only.
HFFC' s 10-Year Days Sales Outstanding Range
Min: 42.42   Max: 79.85
Current: 39.09

42.42
79.85

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.10
HFFC's Dividend Yield is ranked higher than
61% of the 2101 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.50 vs. HFFC: 3.10 )
Ranked among companies with meaningful Dividend Yield only.
HFFC' s 10-Year Dividend Yield Range
Min: 1.89   Max: 5.51
Current: 3.1

1.89
5.51
Dividend Payout 1.01
HFFC's Dividend Payout is ranked lower than
94% of the 1297 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.32 vs. HFFC: 1.01 )
Ranked among companies with meaningful Dividend Payout only.
HFFC' s 10-Year Dividend Payout Range
Min: 0.18   Max: 9.25
Current: 1.01

0.18
9.25
Yield on cost (5-Year) 3.10
HFFC's Yield on cost (5-Year) is ranked higher than
52% of the 2099 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.00 vs. HFFC: 3.10 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
HFFC' s 10-Year Yield on cost (5-Year) Range
Min: 1.89   Max: 5.51
Current: 3.1

1.89
5.51
Share Buyback Rate -0.40
HFFC's Share Buyback Rate is ranked higher than
64% of the 917 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.40 vs. HFFC: -0.40 )
Ranked among companies with meaningful Share Buyback Rate only.
HFFC' s 10-Year Share Buyback Rate Range
Min: 7.9   Max: -20.6
Current: -0.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.20
HFFC's Price/Tangible Book is ranked higher than
55% of the 1633 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. HFFC: 1.20 )
Ranked among companies with meaningful Price/Tangible Book only.
HFFC' s 10-Year Price/Tangible Book Range
Min: 0.58   Max: 1.92
Current: 1.2

0.58
1.92
Price/DCF (Projected) 0.50
HFFC's Price/DCF (Projected) is ranked higher than
73% of the 956 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.70 vs. HFFC: 0.50 )
Ranked among companies with meaningful Price/DCF (Projected) only.
HFFC' s 10-Year Price/DCF (Projected) Range
Min: 0.17   Max: 0.77
Current: 0.5

0.17
0.77
Price/Median PS Value 1.20
HFFC's Price/Median PS Value is ranked lower than
58% of the 1616 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. HFFC: 1.20 )
Ranked among companies with meaningful Price/Median PS Value only.
HFFC' s 10-Year Price/Median PS Value Range
Min: 0.47   Max: 2.86
Current: 1.2

0.47
2.86
Price/Graham Number 1.30
HFFC's Price/Graham Number is ranked lower than
79% of the 1425 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. HFFC: 1.30 )
Ranked among companies with meaningful Price/Graham Number only.
HFFC' s 10-Year Price/Graham Number Range
Min: 0.41   Max: 2.32
Current: 1.3

0.41
2.32
Earnings Yield (Greenblatt) 2.70
HFFC's Earnings Yield (Greenblatt) is ranked lower than
78% of the 1505 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.80 vs. HFFC: 2.70 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
HFFC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.3   Max: 12
Current: 2.7

0.3
12
Forward Rate of Return (Yacktman) 19.33
HFFC's Forward Rate of Return (Yacktman) is ranked higher than
59% of the 761 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.69 vs. HFFC: 19.33 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) only.
HFFC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -26.1   Max: 43.6
Current: 19.33

-26.1
43.6

Analyst Estimate

Jun15
EPS($) 1.09
EPS without NRI($) 1.09

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK » details
HF Financial Corp was incorporated under the laws of the State of Delaware in November 1991. The Company was formed for the purpose of owning all of the outstanding stock of Home Federal Bank issued in the mutual to stock conversion of the Bank. The Bank was founded in 1929 and is a federally chartered stock savings bank headquartered in Sioux Falls, South Dakota. The Bank provides service consumer and commercial business banking, including various financial products and services, to meet the needs of its marketplace. The Bank attracts deposits from the general public and uses such deposits, together with borrowings and other funds, to originate one- to four-family residential loans, commercial business loans, agriculture loans, consumer loans, multi-family and commercial real estate loans, and construction loans. The Bank's consumer direct loan portfolio includes automobile loans, home equity loans, loans secured by deposit accounts and student loans. The Bank also purchases residential mortgage-backed securities and invests in U.S. Government and agency obligations and other permissible investments. The Bank receives loan servicing income on loans serviced for others and commission income from credit life insurance on consumer loans. The Bank, through its wholly-owned subsidiaries, offers annuities, mutual funds, life insurance and other financial products and services, as well as equipment leasing services. Operating segments are defined as components of an enterprise for which separate financial information is available that is evaluated regularly by the chief operating decision makers in deciding how to allocate resources and in assessing performance. The Company's reportable segments are 'banking' (including leasing activities) and 'other.' The 'banking' segment is conducted through the Bank and Mid America Capital Services, Inc. and the 'other' segment is composed of smaller non-reportable segments, the Company and inter-segment eliminations. In addition to the Bank, the Company had six other wholly-owned subsidiaries as of June 30, 2013: HF Financial Group, Inc., HF Financial Capital Trust III, HF Financial Capital Trust IV, HF Financial Capital Trust V, HF Financial Capital Trust VI and HomeFirst Mortgage Corp. The Bank's main market area includes communities located in eastern and central South Dakota, including the Sioux Falls metropolitan statistical area, and the cities of Pierre, Mitchell, Aberdeen, Brookings, Dakota Dunes, Watertown, and Yankton. The Bank also has a banking center in Marshall, Minnesota, which serves customers located in southwestern Minnesota. The Bank's main market area features of agribusiness, financial services, health care and light manufacturing firms. The Bank originates loans including one- to four-family residential loans, commercial business loans, agriculture loans, consumer loans, multi-family and commercial real estate loans, and construction loans. Consumer loans include loans for au
» More Articles for HFFC

Headlines

Articles On GuruFocus.com
HF Financial Corp. (HFFC) Chairman, President & CEO Curtis L Hage sells 10,600 Shares Mar 02 2011 
HF Financial Corp. (HFFC) Chairman, President & CEO Curtis L Hage sells 1,969 Shares Feb 25 2011 
HF Financial Corp. Reports Operating Results (10-Q) Feb 11 2011 
HF Financial Corp. (HFFC) Chairman, President & CEO Curtis L Hage sells 5,000 Shares Nov 24 2010 
HF Financial Corp. Reports Operating Results (10-Q) Nov 12 2010 
HF Financial Corp. (HFFC) Executive VP/CFO Darrel L Posegate sells 1,296 Shares Oct 01 2010 
HF Financial Corp. Reports Operating Results (10-Q) May 14 2010 
HF Financial Corp. Reports Operating Results (10-Q) Feb 05 2010 
HF Financial Corp. (HFFC) CEO Curtis L Hage buys 2,500 Shares Nov 30 2009 
HF Financial Corp. Reports Operating Results (10-Q) Nov 16 2009 

More From Other Websites
HF FINANCIAL CORP Financials May 19 2015
10-Q for HF Financial Corp. May 10 2015
HF FINANCIAL CORP Files SEC form 10-Q, Quarterly Report May 08 2015
HF Financial posts 3Q profit Apr 27 2015
HF Financial posts 3Q profit Apr 27 2015
HF FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Other Events,... Apr 27 2015
HF Financial Corp. Reports Third Quarter 2015 GAAP Earnings of $0.10 Per Diluted Share and Core... Apr 27 2015
Home Federal Bank and First Dakota National Bank Enter into Branch Purchase Agreement for Pierre, SD Apr 16 2015
HF FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Apr 16 2015
Home Federal Bank and First Dakota National Bank Enter into a Branch Purchase Agreement for Pierre,... Apr 15 2015
HF FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Mar 20 2015
HF FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Feb 26 2015
Home Federal Bank Completes its Conversion from a Federally-Chartered Savings Association Feb 26 2015
Home Federal Bank Completes its Conversion from a Federally-Chartered Savings Association to a South... Feb 26 2015
HF FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Feb 06 2015
HF FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Other Events,... Jan 27 2015
HF FINANCIAL CORP Files SEC form 8-K, Costs Associated with Exit or Disposal Activities, Other... Dec 30 2014
HF FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Dec 11 2014
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HF FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Nov 07 2014

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