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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 higher than
57% of the 1736 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.91 vs. HFFC: 0.30 )
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 higher than
68% of the 2309 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. HFFC: 0.09 )
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 higher than
66% of the 2192 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.16 vs. HFFC: 1.04 )
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
2.88%
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 higher than
52% of the 2420 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.39 vs. HFFC: 8.53 )
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 higher than
52% of the 2420 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.16 vs. HFFC: 6.77 )
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 higher than
54% of the 2420 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.01 vs. HFFC: 3.09 )
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 higher than
53% of the 2427 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. HFFC: 0.25 )
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 higher than
58% of the 2386 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 90.48 vs. HFFC: 28.56 )
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 higher than
67% of the 2096 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.20 vs. HFFC: -0.50 )
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
98% of the 1863 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. HFFC: 67.60 )
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
99% of the 1888 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.30 vs. HFFC: 111.00 )
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) 33.10
HFFC's P/E(ttm) is ranked higher than
61% of the 3220 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.10 vs. HFFC: 33.10 )
HFFC' s 10-Year P/E(ttm) Range
Min: 5.87   Max: 130
Current: 33.1

5.87
130
Forward P/E 12.67
HFFC's Forward P/E is ranked higher than
77% of the 3220 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. HFFC: 12.67 )
N/A
PE(NRI) 32.50
HFFC's PE(NRI) is ranked higher than
67% of the 3220 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.10 vs. HFFC: 32.50 )
HFFC' s 10-Year PE(NRI) Range
Min: 5.85   Max: 131.44
Current: 32.5

5.85
131.44
P/B 1.00
HFFC's P/B is ranked higher than
81% of the 3220 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.40 vs. HFFC: 1.00 )
HFFC' s 10-Year P/B Range
Min: 0.45   Max: 1.52
Current: 1

0.45
1.52
P/S 2.30
HFFC's P/S is ranked higher than
79% of the 3220 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.74 vs. HFFC: 2.30 )
HFFC' s 10-Year P/S Range
Min: 0.78   Max: 5.72
Current: 2.3

0.78
5.72
PFCF 19.40
HFFC's PFCF is ranked higher than
74% of the 3220 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. HFFC: 19.40 )
HFFC' s 10-Year PFCF Range
Min: 1.98   Max: 290.63
Current: 19.4

1.98
290.63
POCF 10.10
HFFC's POCF is ranked higher than
83% of the 3220 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 152.54 vs. HFFC: 10.10 )
HFFC' s 10-Year POCF Range
Min: 1.82   Max: 461.13
Current: 10.1

1.82
461.13
EV-to-EBIT 37.24
HFFC's EV-to-EBIT is ranked higher than
60% of the 3220 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.11 vs. HFFC: 37.24 )
HFFC' s 10-Year EV-to-EBIT Range
Min: 8.3   Max: 370.5
Current: 37.24

8.3
370.5
Shiller P/E 21.20
HFFC's Shiller P/E is ranked higher than
79% of the 3220 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. HFFC: 21.20 )
HFFC' s 10-Year Shiller P/E Range
Min: 6.33   Max: 20.83
Current: 21.2

6.33
20.83
Days Sales Outstanding 39.09
HFFC's Days Sales Outstanding is ranked higher than
87% of the 3220 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. HFFC: 39.09 )
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 3.00
HFFC's Dividend Yield is ranked higher than
64% of the 2273 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.49 vs. HFFC: 3.00 )
HFFC' s 10-Year Dividend Yield Range
Min: 1.89   Max: 5.51
Current: 3

1.89
5.51
Dividend Payout 1.01
HFFC's Dividend Payout is ranked higher than
62% of the 3220 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.70 vs. HFFC: 1.01 )
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
54% of the 2281 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.85 vs. HFFC: 3.10 )
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
81% of the 1718 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.70 vs. HFFC: -0.40 )
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
76% of the 3220 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.70 vs. HFFC: 1.20 )
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
92% of the 3220 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. HFFC: 0.50 )
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 higher than
68% of the 3220 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. HFFC: 1.20 )
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 higher than
65% of the 3220 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. HFFC: 1.30 )
HFFC' s 10-Year Price/Graham Number Range
Min: 0.41   Max: 2.32
Current: 1.3

0.41
2.32
Earnings Yield (Greenblatt) 2.60
HFFC's Earnings Yield (Greenblatt) is ranked lower than
53% of the 2411 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.50 vs. HFFC: 2.60 )
HFFC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.3   Max: 12
Current: 2.6

0.3
12
Forward Rate of Return (Yacktman) 19.63
HFFC's Forward Rate of Return (Yacktman) is ranked higher than
79% of the 1441 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.45 vs. HFFC: 19.63 )
HFFC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -26.1   Max: 43.6
Current: 19.63

-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
HF FINANCIAL CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Nov 25 2014
HF FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Nov 07 2014

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