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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 0.22
HFFC's Cash to Debt is ranked lower than
84% of the 1188 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.15 vs. HFFC: 0.22 )
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: 0.22
0.06
2
Equity to Asset 0.10
HFFC's Equity to Asset is ranked lower than
52% of the 1677 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. HFFC: 0.10 )
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: 0.1
0.06
0.1
Interest Coverage 2.78
HFFC's Interest Coverage is ranked higher than
65% of the 1565 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.64 vs. HFFC: 2.78 )
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: 2.78
0.03
1.04
F-Score: 5
M-Score: -2.55
WACC vs ROIC
2.90%
5.25%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 25.95
HFFC's Operating margin (%) is ranked lower than
64% of the 1693 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.14 vs. HFFC: 25.95 )
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: 25.95
0.97
24.38
Net-margin (%) 17.28
HFFC's Net-margin (%) is ranked lower than
68% of the 1694 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.52 vs. HFFC: 17.28 )
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: 17.28
1.47
16.31
ROE (%) 8.79
HFFC's ROE (%) is ranked higher than
53% of the 1689 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.37 vs. HFFC: 8.79 )
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: 8.79
0.72
9.78
ROA (%) 0.81
HFFC's ROA (%) is ranked lower than
56% of the 1698 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.89 vs. HFFC: 0.81 )
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: 0.81
0.06
0.69
Revenue Growth (3Y)(%) 0.90
HFFC's Revenue Growth (3Y)(%) is ranked lower than
59% of the 1391 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.70 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: -17.8  Med: 3.00 Max: 21.4
Current: 0.9
-17.8
21.4
EBITDA Growth (3Y)(%) -14.70
HFFC's EBITDA Growth (3Y)(%) is ranked lower than
88% of the 1291 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.90 vs. HFFC: -14.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
HFFC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -28.4  Med: 2.70 Max: 48.2
Current: -14.7
-28.4
48.2
EPS Growth (3Y)(%) -11.40
HFFC's EPS Growth (3Y)(%) is ranked lower than
85% of the 1270 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 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: -59.4  Med: 0.80 Max: 112.8
Current: -11.4
-59.4
112.8
» HFFC's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-27)


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

» Details

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Q1 2016

HFFC Guru Trades in Q1 2016

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Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:NAS:ESSA, NAS:GCBC, NAS:PROV, NAS:ONFC, ASX:ABA » details
HF Financial Corp is a holding company which provides full-service consumer and commercial business banking, including an array of financial products, to meet the needs of its market place.

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.

Ratios

vs
industry
vs
history
P/E(ttm) 14.77
HFFC's P/E(ttm) is ranked lower than
61% of the 1632 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.48 vs. HFFC: 14.77 )
Ranked among companies with meaningful P/E(ttm) only.
HFFC' s P/E(ttm) Range Over the Past 10 Years
Min: 5.87  Med: 14.70 Max: 130
Current: 14.77
5.87
130
PE(NRI) 14.77
HFFC's PE(NRI) is ranked lower than
61% of the 1590 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.53 vs. HFFC: 14.77 )
Ranked among companies with meaningful PE(NRI) only.
HFFC' s PE(NRI) Range Over the Past 10 Years
Min: 5.85  Med: 14.70 Max: 131.44
Current: 14.77
5.85
131.44
Price/Owner Earnings (ttm) 13.07
HFFC's Price/Owner Earnings (ttm) is ranked lower than
57% of the 871 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.93 vs. HFFC: 13.07 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
HFFC' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 4.5  Med: 14.76 Max: 89.9
Current: 13.07
4.5
89.9
P/B 1.26
HFFC's P/B is ranked lower than
67% of the 1697 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.03 vs. HFFC: 1.26 )
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: 1.49
Current: 1.26
0.45
1.49
P/S 2.56
HFFC's P/S is ranked higher than
58% of the 1697 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.92 vs. HFFC: 2.56 )
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: 5.58
Current: 2.56
0.78
5.58
PFCF 12.19
HFFC's PFCF is ranked lower than
61% of the 907 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.99 vs. HFFC: 12.19 )
Ranked among companies with meaningful PFCF only.
HFFC' s PFCF Range Over the Past 10 Years
Min: 1.98  Med: 7.10 Max: 38.93
Current: 12.19
1.98
38.93
POCF 9.20
HFFC's POCF is ranked lower than
54% of the 1010 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.81 vs. HFFC: 9.20 )
Ranked among companies with meaningful POCF only.
HFFC' s POCF Range Over the Past 10 Years
Min: 1.82  Med: 7.71 Max: 400.22
Current: 9.2
1.82
400.22
EV-to-EBIT 14.91
HFFC's EV-to-EBIT is ranked lower than
59% of the 1568 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.90 vs. HFFC: 14.91 )
Ranked among companies with meaningful EV-to-EBIT only.
HFFC' s EV-to-EBIT Range Over the Past 10 Years
Min: 7  Med: 29.20 Max: 370.5
Current: 14.91
7
370.5
EV-to-EBITDA 13.13
HFFC's EV-to-EBITDA is ranked lower than
57% of the 1571 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.75 vs. HFFC: 13.13 )
Ranked among companies with meaningful EV-to-EBITDA only.
HFFC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 4.3  Med: 21.50 Max: 78.9
Current: 13.13
4.3
78.9
Shiller P/E 18.47
HFFC's Shiller P/E is ranked lower than
56% of the 503 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.88 vs. HFFC: 18.47 )
Ranked among companies with meaningful Shiller P/E only.
HFFC' s Shiller P/E Range Over the Past 10 Years
Min: 6.46  Med: 10.98 Max: 18.96
Current: 18.47
6.46
18.96

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.29
HFFC's Dividend Yield is ranked lower than
65% of the 2261 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.05 vs. HFFC: 2.29 )
Ranked among companies with meaningful Dividend Yield only.
HFFC' s Dividend Yield Range Over the Past 10 Years
Min: 1.9  Med: 3.34 Max: 5.51
Current: 2.29
1.9
5.51
Dividend Payout 0.34
HFFC's Dividend Payout is ranked lower than
51% of the 1315 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. HFFC: 0.34 )
Ranked among companies with meaningful Dividend Payout only.
HFFC' s Dividend Payout Range Over the Past 10 Years
Min: 0.18  Med: 0.35 Max: 7.4
Current: 0.34
0.18
7.4
Forward Dividend Yield 2.29
HFFC's Forward Dividend Yield is ranked lower than
70% of the 2133 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.23 vs. HFFC: 2.29 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.29
HFFC's Yield on cost (5-Year) is ranked lower than
68% of the 2524 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.53 vs. HFFC: 2.29 )
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: 1.9  Med: 3.34 Max: 5.51
Current: 2.29
1.9
5.51

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.45
HFFC's Price/Tangible Book is ranked lower than
69% of the 1698 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. HFFC: 1.45 )
Ranked among companies with meaningful Price/Tangible Book only.
HFFC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.57  Med: 1.15 Max: 1.92
Current: 1.45
0.57
1.92
Price/Projected FCF 0.59
HFFC's Price/Projected FCF is ranked higher than
58% of the 897 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.65 vs. HFFC: 0.59 )
Ranked among companies with meaningful Price/Projected FCF only.
HFFC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.17  Med: 0.53 Max: 0.81
Current: 0.59
0.17
0.81
Price/Median PS Value 1.29
HFFC's Price/Median PS Value is ranked lower than
82% of the 1617 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. HFFC: 1.29 )
Ranked among companies with meaningful Price/Median PS Value only.
HFFC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.44  Med: 0.91 Max: 2.74
Current: 1.29
0.44
2.74
Price/Peter Lynch Fair Value 0.68
HFFC's Price/Peter Lynch Fair Value is ranked higher than
65% of the 441 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.89 vs. HFFC: 0.68 )
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: 0.39  Med: 0.94 Max: 17.09
Current: 0.68
0.39
17.09
Price/Graham Number 0.97
HFFC's Price/Graham Number is ranked lower than
63% of the 1517 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.83 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) (%) 6.70
HFFC's Earnings Yield (Greenblatt) (%) is ranked lower than
53% of the 1722 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.12 vs. HFFC: 6.70 )
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: 14.2
Current: 6.7
0.3
14.2
Forward Rate of Return (Yacktman) (%) 32.60
HFFC's Forward Rate of Return (Yacktman) (%) is ranked higher than
84% of the 861 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.71 vs. HFFC: 32.60 )
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: -23.5  Med: 7.80 Max: 34.2
Current: 32.6
-23.5
34.2

More Statistics

Revenue (TTM) (Mil) $54.19
EPS (TTM) $ 1.33
Beta0.02
Short Percentage of Float0.03%
52-Week Range $14.30 - 20.45
Shares Outstanding (Mil)7.07
» 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 Files SEC form 8-K, Other Events, Financial Statements and Exhibits May 17 2016
Great Western Bancorp, Inc. Announces Merger Consideration Election and Allocation Results in... May 17 2016
Great Western Bancorp, Inc. Announces Merger Consideration Election and Allocation Results in... May 17 2016
HF FINANCIAL CORP Files SEC form 8-K, Entry into a Material Definitive Agreement, Completion of... May 16 2016
Great Western Bancorp, Inc. Closes Merger with HF Financial Corp. May 16 2016
HF FINANCIAL CORP Financials May 13 2016
HF FINANCIAL CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 11 2016
HF FINANCIAL CORP Files SEC form 10-Q, Quarterly Report May 05 2016
HF Financial Corp. :HFFC-US: Earnings Analysis: Q3, 2016 By the Numbers May 02 2016
HF FINANCIAL CORP Files SEC form 8-K, Other Events Apr 27 2016
HF FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Other Events,... Apr 26 2016
HF Financial Corp. Reports Fiscal Third Quarter Earnings of $0.29 Per Diluted Share Apr 25 2016
HF Financial posts 3Q profit Apr 25 2016
HF Financial posts 3Q profit Apr 25 2016
HF Financial Corp. Reports Fiscal Third Quarter Earnings of $0.29 Per Diluted Share, Core Earnings... Apr 25 2016
HF Financial Corp. Reports Fiscal Third Quarter Earnings of $0.29 Per Diluted Share, Core Earnings... Apr 25 2016
Great Western Bancorp, Inc. and HF Financial Corp. Announce Expected Closing Date and Election... Apr 19 2016
Great Western Bancorp, Inc. and HF Financial Corp. Announce Expected Closing Date and Election... Apr 19 2016
Great Western Bancorp, Inc. and HF Financial Corp. Announce Expected Closing Date and Election... Apr 19 2016
HF FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Apr 19 2016

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