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13.13 (1y: +8%)
Market Cap 93.48 M P/E(ttm) 14.70
Enterprise Value 256.44 M P/B 1.00
HFFC- NAS (USA)
HF Financial Corp.
  • Currently 1/5
Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$13.13
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GuruFocus Financial Strength Rank measures how strong a companyย’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 : 5/10

vs
industry		 vs
history
Cash to Debt 0.296
HFFC's Cash to Debt is ranked lower than
80% of the 707 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.34 vs. HFFC: 0.296 )
HFFC' s 10-Year Cash to Debt Range
Min: 0.08   Max: 2
Current: 0.3
0.08
2
Equity to Asset 0.068
HFFC's Equity to Asset is ranked lower than
80% of the 882 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. HFFC: 0.068 )
HFFC' s 10-Year Equity to Asset Range
Min: 0.04   Max: 0.07
Current: 0.07
0.04
0.07
Interest Coverage No Debt
HFFC's Interest Coverage is ranked lower than
61% of the 882 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10000.00 vs. HFFC: No Debt )
HFFC' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 6
Z-Score: 0.3
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 (%) 16.50
HFFC's Operating margin (%) is ranked lower than
81% of the 719 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 28.90 vs. HFFC: 16.50 )
HFFC' s 10-Year Operating margin (%) Range
Min: 1   Max: 24.4
Current: 16.5
1
24.4
Net-margin (%) 11.1
HFFC's Net-margin (%) is ranked lower than
79% of the 793 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.60 vs. HFFC: 11.1 )
HFFC' s 10-Year Net-margin (%) Range
Min: 1.5   Max: 16.3
Current: 11.1
1.5
16.3
ROE (%) 5.3
HFFC's ROE (%) is ranked lower than
66% of the 775 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. HFFC: 5.3 )
HFFC' s 10-Year ROE (%) Range
Min: 0.7   Max: 11.4
Current: 5.3
0.7
11.4
ROA (%) 0.4
HFFC's ROA (%) is ranked lower than
76% of the 768 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. HFFC: 0.4 )
HFFC' s 10-Year ROA (%) Range
Min: 0.1   Max: 0.7
Current: 0.4
0.1
0.7
Revenue Growth (%) -13.6
HFFC's Revenue Growth (%) is ranked lower than
290697% of the 344 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.40 vs. HFFC: -13.6 )
HFFC' s 10-Year Revenue Growth (%) Range
Min: -13.6   Max: 5.5
Current: -13.6
-13.6
5.5
EBITDA Growth (%) -21.8
HFFC's EBITDA Growth (%) is ranked lower than
300300% of the 333 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.00 vs. HFFC: -21.8 )
HFFC' s 10-Year EBITDA Growth (%) Range
Min: -22.2   Max: 12.1
Current: -21.8
-22.2
12.1
EPS Growth (%) -17.7
HFFC's EPS Growth (%) is ranked lower than
302115% of the 331 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.00 vs. HFFC: -17.7 )
HFFC' s 10-Year EPS Growth (%) Range
Min: -48.8   Max: 15.1
Current: -17.7
-48.8
15.1
ยป 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) 14.70
HFFC's P/E(ttm) is ranked higher than
53% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.43 vs. HFFC: 14.70 )
HFFC' s 10-Year P/E(ttm) Range
Min: 5.91   Max: 130
Current: 14.7
5.91
130
P/B 1.00
HFFC's P/B is ranked higher than
54% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. HFFC: 1.00 )
HFFC' s 10-Year P/B Range
Min: 0.45   Max: 1.55
Current: 1
0.45
1.55
P/S 2.10
HFFC's P/S is ranked higher than
55% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.20 vs. HFFC: 2.10 )
HFFC' s 10-Year P/S Range
Min: 0.78   Max: 2.37
Current: 2.1
0.78
2.37
PFCF 4.50
HFFC's PFCF is ranked lower than
91% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 vs. HFFC: 4.50 )
HFFC' s 10-Year PFCF Range
Min: 1.54   Max: 15.31
Current: 4.5
1.54
15.31
EV-to-EBIT 26.3
HFFC's EV-to-EBIT is ranked lower than
55% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.90 vs. HFFC: 26.3 )
HFFC' s 10-Year EV-to-EBIT Range
Min: 5.1   Max: 370.5
Current: 26.3
5.1
370.5
Shiller P/E 12.6
HFFC's Shiller P/E is ranked higher than
100% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.60 vs. HFFC: 12.6 )
HFFC' s 10-Year Shiller P/E Range
Min: 6.29   Max: 18.84
Current: 12.6
6.29
18.84

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 3.50
HFFC's Dividend Yield is ranked higher than
86% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.20 vs. HFFC: 3.50 )
HFFC' s 10-Year Dividend Yield Range
Min: 1.89   Max: 5.51
Current: 3.5
1.89
5.51
Dividend Payout 0.7
HFFC's Dividend Payout is ranked lower than
52% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.42 vs. HFFC: 0.7 )
HFFC' s 10-Year Dividend Payout Range
Min: 0.23   Max: 4.62
Current: 0.7
0.23
4.62
Yield on cost (5-Year) 3.68
HFFC's Yield on cost (5-Year) is ranked higher than
85% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.92 vs. HFFC: 3.68 )
HFFC' s 10-Year Yield on cost (5-Year) Range
Min: 1.99   Max: 5.79
Current: 3.68
1.99
5.79
Share Buyback Rate -15
HFFC's Share Buyback Rate is ranked lower than
60% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.75 vs. HFFC: -15 )
HFFC' s 10-Year Share Buyback Rate Range
Min: 3.8   Max: -15
Current: -15

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 1.1
HFFC's Price/Tangible Book is ranked higher than
67% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. HFFC: 1.1 )
HFFC' s 10-Year Price/Tangible Book Range
Min: 0.7   Max: 1.8
Current: 1.1
0.7
1.8
Price/DCF (Projected) 0.5
HFFC's Price/DCF (Projected) is ranked lower than
85% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.50 vs. HFFC: 0.5 )
HFFC' s 10-Year Price/DCF (Projected) Range
Min: 0.3   Max: 0.6
Current: 0.5
0.3
0.6
Price/Median PS Value 1.4
HFFC's Price/Median PS Value is ranked lower than
87% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. HFFC: 1.4 )
HFFC' s 10-Year Price/Median PS Value Range
Min: 0.6   Max: 1.5
Current: 1.4
0.6
1.5
Price/Graham Number 1
HFFC's Price/Graham Number is ranked higher than
65% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. HFFC: 1 )
HFFC' s 10-Year Price/Graham Number Range
Min: 0.5   Max: 2.2
Current: 1
0.5
2.2
Earnings Yield (Greenblatt) 3.80
HFFC's Earnings Yield (Greenblatt) is ranked higher than
55% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.80 vs. HFFC: 3.80 )
HFFC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.3   Max: 19.6
Current: 3.8
0.3
19.6
Forward Rate of Return (Yacktman) -16.1
HFFC's Forward Rate of Return (Yacktman) is ranked lower than
56% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.01 vs. HFFC: -16.1 )
HFFC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -14.8   Max: 36.3
Current: -16.1
-14.8
36.3

Business Description

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
Company Website
SEC Reports
Industry: Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK
ยป 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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