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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 0.15
HFFC's Cash to Debt is ranked lower than
51% of the 1254 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.36 vs. HFFC: 0.15 )
HFFC' s 10-Year Cash to Debt Range
Min: 0.05   Max: 2
Current: 0.15

0.05
2
Equity to Asset 0.08
HFFC's Equity to Asset is ranked higher than
62% of the 1643 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. HFFC: 0.08 )
HFFC' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.1
Current: 0.08

0.06
0.1
Interest Coverage 0.84
HFFC's Interest Coverage is ranked higher than
60% of the 1455 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.21 vs. HFFC: 0.84 )
HFFC' s 10-Year Interest Coverage Range
Min: 0.03   Max: 0.84
Current: 0.84

0.03
0.84
F-Score: 5
Z-Score: 0.19
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 (%) 20.47
HFFC's Operating margin (%) is ranked higher than
62% of the 1599 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.41 vs. HFFC: 20.47 )
HFFC' s 10-Year Operating margin (%) Range
Min: 0.97   Max: 32.62
Current: 20.47

0.97
32.62
Net-margin (%) 13.49
HFFC's Net-margin (%) is ranked higher than
60% of the 1618 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.45 vs. HFFC: 13.49 )
HFFC' s 10-Year Net-margin (%) Range
Min: 1.47   Max: 20.17
Current: 13.49

1.47
20.17
ROE (%) 6.03
HFFC's ROE (%) is ranked higher than
66% of the 1620 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.17 vs. HFFC: 6.03 )
HFFC' s 10-Year ROE (%) Range
Min: 0.72   Max: 11.48
Current: 6.03

0.72
11.48
ROA (%) 0.48
HFFC's ROA (%) is ranked higher than
61% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.75 vs. HFFC: 0.48 )
HFFC' s 10-Year ROA (%) Range
Min: 0.06   Max: 1.14
Current: 0.48

0.06
1.14
ROC (Joel Greenblatt) (%) 64.27
HFFC's ROC (Joel Greenblatt) (%) is ranked higher than
72% of the 1574 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 73.99 vs. HFFC: 64.27 )
HFFC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 2.99   Max: 69.08
Current: 64.27

2.99
69.08
Revenue Growth (%) -9.30
HFFC's Revenue Growth (%) is ranked higher than
55% of the 1437 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. HFFC: -9.30 )
HFFC' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 24.7
Current: -9.3

0
24.7
EBITDA Growth (%) -15.20
HFFC's EBITDA Growth (%) is ranked higher than
55% of the 1277 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.50 vs. HFFC: -15.20 )
HFFC' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 45.4
Current: -15.2

0
45.4
EPS Growth (%) -6.00
HFFC's EPS Growth (%) is ranked higher than
59% of the 1280 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.80 vs. HFFC: -6.00 )
HFFC' s 10-Year EPS Growth (%) Range
Min: -59.2   Max: 77.6
Current: -6

-59.2
77.6
» 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) 14.50
HFFC's P/E(ttm) is ranked higher than
75% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.40 vs. HFFC: 14.50 )
HFFC' s 10-Year P/E(ttm) Range
Min: 5.87   Max: 130
Current: 14.5

5.87
130
P/B 1.00
HFFC's P/B is ranked higher than
80% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 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 2.10
HFFC's P/S is ranked higher than
83% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.10 vs. HFFC: 2.10 )
HFFC' s 10-Year P/S Range
Min: 0.78   Max: 3.69
Current: 2.1

0.78
3.69
PFCF 7.10
HFFC's PFCF is ranked higher than
82% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 28.86 vs. HFFC: 7.10 )
HFFC' s 10-Year PFCF Range
Min: 1.98   Max: 461.13
Current: 7.1

1.98
461.13
EV-to-EBIT 25.60
HFFC's EV-to-EBIT is ranked higher than
65% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.41 vs. HFFC: 25.60 )
HFFC' s 10-Year EV-to-EBIT Range
Min: 8.3   Max: 370.5
Current: 25.6

8.3
370.5
Shiller P/E 13.80
HFFC's Shiller P/E is ranked higher than
91% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 140.07 vs. HFFC: 13.80 )
HFFC' s 10-Year Shiller P/E Range
Min: 6.33   Max: 19.01
Current: 13.8

6.33
19.01

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.30
HFFC's Dividend Yield is ranked higher than
69% of the 1402 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.45 vs. HFFC: 3.30 )
HFFC' s 10-Year Dividend Yield Range
Min: 1.89   Max: 5.51
Current: 3.3

1.89
5.51
Dividend Payout 0.49
HFFC's Dividend Payout is ranked higher than
83% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. HFFC: 0.49 )
HFFC' s 10-Year Dividend Payout Range
Min: 0.18   Max: 1.61
Current: 0.49

0.18
1.61
Yield on cost (5-Year) 3.30
HFFC's Yield on cost (5-Year) is ranked higher than
61% of the 1356 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.64 vs. HFFC: 3.30 )
HFFC' s 10-Year Yield on cost (5-Year) Range
Min: 1.89   Max: 5.51
Current: 3.3

1.89
5.51
Share Buyback Rate -6.90
HFFC's Share Buyback Rate is ranked higher than
60% of the 1237 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.00 vs. HFFC: -6.90 )
HFFC' s 10-Year Share Buyback Rate Range
Min: 7.9   Max: -20.6
Current: -6.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
HFFC's Price/Tangible Book is ranked higher than
76% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.35 vs. HFFC: 1.10 )
HFFC' s 10-Year Price/Tangible Book Range
Min: 0.58   Max: 1.92
Current: 1.1

0.58
1.92
Price/DCF (Projected) 0.50
HFFC's Price/DCF (Projected) is ranked higher than
90% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.56 vs. HFFC: 0.50 )
HFFC' s 10-Year Price/DCF (Projected) Range
Min: 0.17   Max: 0.67
Current: 0.5

0.17
0.67
Price/Median PS Value 1.10
HFFC's Price/Median PS Value is ranked higher than
67% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. HFFC: 1.10 )
HFFC' s 10-Year Price/Median PS Value Range
Min: 0.5   Max: 1.93
Current: 1.1

0.5
1.93
Price/Graham Number 0.90
HFFC's Price/Graham Number is ranked higher than
79% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.06 vs. HFFC: 0.90 )
HFFC' s 10-Year Price/Graham Number Range
Min: 0.41   Max: 2.32
Current: 0.9

0.41
2.32
Earnings Yield (Greenblatt) 4.00
HFFC's Earnings Yield (Greenblatt) is ranked higher than
56% of the 1581 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. HFFC: 4.00 )
HFFC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.3   Max: 12
Current: 4

0.3
12
Forward Rate of Return (Yacktman) -12.01
HFFC's Forward Rate of Return (Yacktman) is ranked lower than
51% of the 1259 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.45 vs. HFFC: -12.01 )
HFFC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -26.9   Max: 40.3
Current: -12.01

-26.9
40.3

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK » details
HF Financial Corp. a unitary thrift holding company 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 full-service consumer and commercial business banking, including an array of 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, 2009: 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 banking center located in Dakota Dunes also serves customers located in northwestern Iowa. 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, agricul
» 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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HF Financial Corp. Reports Earnings of $0.28 per share in Third Fiscal Quarter Apr 28 2014
HF FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Mar 17 2014
HF FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Feb 07 2014
HF FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Other Events,... Jan 27 2014
HF FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Dec 17 2013
HF Financial: A Small Bank With Lots Of Hidden Potential Dec 08 2013
HF FINANCIAL CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Nov 27 2013
HF FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Nov 20 2013
HFF closes $210 million sale of Avalon on the Sound East in New Rochelle, New York to The DSF Group Nov 18 2013
HF FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Nov 08 2013
HF Financial Corp. Earns $0.14 for the First Fiscal Quarter 2014 Oct 29 2013
HF Financial Corp. Earns $0.14 for the First Fiscal Quarter 2014 Oct 28 2013
HF FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Other Events,... Oct 28 2013
HF FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Sep 30 2013
HF FINANCIAL CORP Files SEC form 10-K, Annual Report Sep 13 2013
HF FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers Aug 05 2013

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