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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 0.23
HFFC's Cash to Debt is ranked lower than
82% of the 1088 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. HFFC: 0.23 )
Ranked among companies with meaningful Cash to Debt only.
HFFC' s Cash to Debt Range Over the Past 10 Years
Min: 0.06  Med: 0.19 Max: 2
Current: 0.23
0.06
2
Equity to Asset 0.09
HFFC's Equity to Asset is ranked lower than
61% of the 1578 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 Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.08 Max: 0.1
Current: 0.09
0.06
0.1
Interest Coverage 2.40
HFFC's Interest Coverage is ranked higher than
59% of the 1429 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.82 vs. HFFC: 2.40 )
Ranked among companies with meaningful Interest Coverage only.
HFFC' s Interest Coverage Range Over the Past 10 Years
Min: 0.03  Med: 0.44 Max: 1.04
Current: 2.4
0.03
1.04
F-Score: 5
WACC vs ROIC
2.93%
4.09%
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 (%) 22.33
HFFC's Operating margin (%) is ranked lower than
71% of the 1590 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.86 vs. HFFC: 22.33 )
Ranked among companies with meaningful Operating margin (%) only.
HFFC' s Operating margin (%) Range Over the Past 10 Years
Min: 0.97  Med: 19.36 Max: 24.38
Current: 22.33
0.97
24.38
Net-margin (%) 15.12
HFFC's Net-margin (%) is ranked lower than
75% of the 1593 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.37 vs. HFFC: 15.12 )
Ranked among companies with meaningful Net-margin (%) only.
HFFC' s Net-margin (%) Range Over the Past 10 Years
Min: 1.47  Med: 12.77 Max: 16.31
Current: 15.12
1.47
16.31
ROE (%) 7.64
HFFC's ROE (%) is ranked lower than
54% of the 1589 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.01 vs. HFFC: 7.64 )
Ranked among companies with meaningful ROE (%) only.
HFFC' s ROE (%) Range Over the Past 10 Years
Min: 0.72  Med: 6.84 Max: 9.78
Current: 7.64
0.72
9.78
ROA (%) 0.68
HFFC's ROA (%) is ranked lower than
62% of the 1598 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.86 vs. HFFC: 0.68 )
Ranked among companies with meaningful ROA (%) only.
HFFC' s ROA (%) Range Over the Past 10 Years
Min: 0.06  Med: 0.49 Max: 0.69
Current: 0.68
0.06
0.69
Revenue Growth (3Y)(%) 0.90
HFFC's Revenue Growth (3Y)(%) is ranked lower than
57% of the 1284 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. HFFC: 0.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
HFFC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -17.6  Med: 3.30 Max: 21.4
Current: 0.9
-17.6
21.4
EBITDA Growth (3Y)(%) -12.00
HFFC's EBITDA Growth (3Y)(%) is ranked lower than
79% of the 1167 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. HFFC: -12.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
HFFC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -51.7  Med: 2.70 Max: 67.6
Current: -12
-51.7
67.6
EPS Growth (3Y)(%) -11.40
HFFC's EPS Growth (3Y)(%) is ranked lower than
78% of the 1165 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.60 vs. HFFC: -11.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
HFFC' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -59.6  Med: 0.80 Max: 112.8
Current: -11.4
-59.6
112.8
» 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) 19.87
HFFC's P/E(ttm) is ranked lower than
82% of the 1403 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.40 vs. HFFC: 19.87 )
Ranked among companies with meaningful P/E(ttm) only.
HFFC' s P/E(ttm) Range Over the Past 10 Years
Min: 5.87  Med: 14.68 Max: 130
Current: 19.87
5.87
130
Forward P/E 12.67
HFFC's Forward P/E is ranked lower than
73% of the 703 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.52 vs. HFFC: 12.67 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 19.78
HFFC's PE(NRI) is ranked lower than
82% of the 1401 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.40 vs. HFFC: 19.78 )
Ranked among companies with meaningful PE(NRI) only.
HFFC' s PE(NRI) Range Over the Past 10 Years
Min: 5.85  Med: 14.69 Max: 131.44
Current: 19.78
5.85
131.44
P/B 1.07
HFFC's P/B is ranked lower than
58% of the 1542 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.99 vs. HFFC: 1.07 )
Ranked among companies with meaningful P/B only.
HFFC' s P/B Range Over the Past 10 Years
Min: 0.45  Med: 0.95 Max: 1.5
Current: 1.07
0.45
1.5
P/S 2.14
HFFC's P/S is ranked higher than
63% of the 1605 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.81 vs. HFFC: 2.14 )
Ranked among companies with meaningful P/S only.
HFFC' s P/S Range Over the Past 10 Years
Min: 0.78  Med: 1.98 Max: 5.72
Current: 2.14
0.78
5.72
PFCF 18.41
HFFC's PFCF is ranked lower than
83% of the 937 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.36 vs. HFFC: 18.41 )
Ranked among companies with meaningful PFCF only.
HFFC' s PFCF Range Over the Past 10 Years
Min: 1.98  Med: 6.99 Max: 39.24
Current: 18.41
1.98
39.24
POCF 9.19
HFFC's POCF is ranked lower than
58% of the 1036 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.10 vs. HFFC: 9.19 )
Ranked among companies with meaningful POCF only.
HFFC' s POCF Range Over the Past 10 Years
Min: 1.82  Med: 6.88 Max: 167.73
Current: 9.19
1.82
167.73
EV-to-EBIT 26.25
HFFC's EV-to-EBIT is ranked lower than
81% of the 1384 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.68 vs. HFFC: 26.25 )
Ranked among companies with meaningful EV-to-EBIT only.
HFFC' s EV-to-EBIT Range Over the Past 10 Years
Min: 8.3  Med: 29.30 Max: 370.5
Current: 26.25
8.3
370.5
EV-to-EBITDA 21.53
HFFC's EV-to-EBITDA is ranked lower than
79% of the 1383 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.31 vs. HFFC: 21.53 )
Ranked among companies with meaningful EV-to-EBITDA only.
HFFC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 5  Med: 21.60 Max: 69.7
Current: 21.53
5
69.7
Shiller P/E 14.73
HFFC's Shiller P/E is ranked higher than
53% of the 520 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.90 vs. HFFC: 14.73 )
Ranked among companies with meaningful Shiller P/E only.
HFFC' s Shiller P/E Range Over the Past 10 Years
Min: 6.46  Med: 10.96 Max: 18.19
Current: 14.73
6.46
18.19

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.82
HFFC's Dividend Yield is ranked lower than
56% of the 2412 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.03 vs. HFFC: 2.82 )
Ranked among companies with meaningful Dividend Yield only.
HFFC' s Dividend Yield Range Over the Past 10 Years
Min: 1.89  Med: 3.34 Max: 5.51
Current: 2.82
1.89
5.51
Dividend Payout 0.56
HFFC's Dividend Payout is ranked lower than
78% of the 1441 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.34 vs. HFFC: 0.56 )
Ranked among companies with meaningful Dividend Payout only.
HFFC' s Dividend Payout Range Over the Past 10 Years
Min: 0.18  Med: 0.33 Max: 9.25
Current: 0.56
0.18
9.25
Forward Dividend Yield 2.72
HFFC's Forward Dividend Yield is ranked lower than
61% of the 2191 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.26 vs. HFFC: 2.72 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.82
HFFC's Yield on cost (5-Year) is ranked lower than
61% of the 2446 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.42 vs. HFFC: 2.82 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
HFFC' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.89  Med: 3.34 Max: 5.51
Current: 2.82
1.89
5.51
3-Year Average Share Buyback Ratio -0.30
HFFC's 3-Year Average Share Buyback Ratio is ranked higher than
68% of the 1061 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.70 vs. HFFC: -0.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
HFFC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -20.6  Med: 0.30 Max: 7.9
Current: -0.3
-20.6
7.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.22
HFFC's Price/Tangible Book is ranked lower than
64% of the 1534 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.07 vs. HFFC: 1.22 )
Ranked among companies with meaningful Price/Tangible Book only.
HFFC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.58  Med: 1.13 Max: 1.92
Current: 1.22
0.58
1.92
Price/Projected FCF 0.54
HFFC's Price/Projected FCF is ranked higher than
59% of the 850 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.63 vs. HFFC: 0.54 )
Ranked among companies with meaningful Price/Projected FCF only.
HFFC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.17  Med: 0.51 Max: 0.82
Current: 0.54
0.17
0.82
Price/Median PS Value 1.09
HFFC's Price/Median PS Value is ranked lower than
72% of the 1425 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.98 vs. HFFC: 1.09 )
Ranked among companies with meaningful Price/Median PS Value only.
HFFC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.45  Med: 0.91 Max: 2.74
Current: 1.09
0.45
2.74
Price/Peter Lynch Fair Value 2.65
HFFC's Price/Peter Lynch Fair Value is ranked lower than
97% of the 429 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.86 vs. HFFC: 2.65 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
HFFC' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.41  Med: 0.92 Max: 7.73
Current: 2.65
0.41
7.73
Price/Graham Number 0.97
HFFC's Price/Graham Number is ranked lower than
77% of the 1277 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.77 vs. HFFC: 0.97 )
Ranked among companies with meaningful Price/Graham Number only.
HFFC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.42  Med: 0.88 Max: 2.27
Current: 0.97
0.42
2.27
Earnings Yield (Greenblatt) (%) 3.78
HFFC's Earnings Yield (Greenblatt) (%) is ranked lower than
74% of the 1519 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. HFFC: 3.78 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
HFFC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.3  Med: 3.40 Max: 12
Current: 3.78
0.3
12
Forward Rate of Return (Yacktman) (%) 19.92
HFFC's Forward Rate of Return (Yacktman) (%) is ranked higher than
60% of the 869 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.65 vs. HFFC: 19.92 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
HFFC' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -23.8  Med: 5.80 Max: 27.7
Current: 19.92
-23.8
27.7

More Statistics

Revenue(Mil) $53
EPS $ 0.81
Beta0.01
Short Percentage of Float0.31%
52-Week Range $14.10 - 19.73
Shares Outstanding(Mil)7.05

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 owning all of the outstanding stock of Home Federal Bank issued in the mutual to stock conversion of the Bank. The Company is regulated as a bank holding company by the Board of Governors of the Federal Reserve System. The Bank provides full-service consumer and commercial business banking, including an array of financial products, to meet the needs of its market place. 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, commercial business, consumer, multi-family, commercial real estate, construction and agricultural loans. The Bank's consumer loan portfolio includes, among other things, automobile loans, home equity loans, loans secured by deposit accounts and student loans. The Bank also purchases agency residential mortgage-backed securities and invests in U.S. Government and agency obligations and other permissible investments. The Bank, through its wholly owned subsidiaries, offers annuities, mutual funds, life insurance and other financial products, and equipment leasing services. The Company's reportable segments are banking (including leasing activities) and other. The banking segment is conducted through the Bank and Mid America Capital and the other segment is composed of smaller non-reportable segments, the Company and intersegment eliminations. The Bank's primary market area includes communities located in eastern and central South Dakota, including the Sioux Falls metropolitan statistical area ("MSA"), and the cities of Mitchell, Aberdeen, Brookings, Watertown, and Yankton. The Bank has a banking center in Marshall, Minnesota, which serves customers located in southwestern Minnesota. It competes with other commercial banks, credit unions, savings and loan associations, mortgage banking firms, consumer finance companies, securities brokerage firms, insurance companies, money market funds and other mutual funds, as well as super-regional, national and international financial institutions.
» 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 

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