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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 0.16
HFFC's Cash to Debt is ranked higher than
51% of the 1272 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. HFFC: 0.16 )
HFFC' s 10-Year Cash to Debt Range
Min: 0.05   Max: 2
Current: 0.16

0.05
2
Equity to Asset 0.08
HFFC's Equity to Asset is ranked higher than
56% of the 1588 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 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 1357 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 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: 0.18
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
61% of the 1462 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.05 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
59% of the 1570 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.57 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
65% of the 1554 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.99 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
60% of the 1563 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
70% of the 1437 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 78.30 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 1284 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 1124 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 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
58% of the 1103 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.50 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) 16.60
HFFC's P/E(ttm) is ranked higher than
57% of the 1451 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.60 vs. HFFC: 16.60 )
HFFC' s 10-Year P/E(ttm) Range
Min: 5.87   Max: 130
Current: 16.6

5.87
130
P/B 1.00
HFFC's P/B is ranked higher than
70% of the 1479 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 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 2.20
HFFC's P/S is ranked higher than
67% of the 1638 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.80 vs. HFFC: 2.20 )
HFFC' s 10-Year P/S Range
Min: 0.78   Max: 3.69
Current: 2.2

0.78
3.69
PFCF 3.60
HFFC's PFCF is ranked higher than
81% of the 940 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. HFFC: 3.60 )
HFFC' s 10-Year PFCF Range
Min: 1.98   Max: 461.13
Current: 3.6

1.98
461.13
EV-to-EBIT 29.40
HFFC's EV-to-EBIT is ranked lower than
60% of the 1447 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.51 vs. HFFC: 29.40 )
HFFC' s 10-Year EV-to-EBIT Range
Min: 8.3   Max: 370.5
Current: 29.4

8.3
370.5
Shiller P/E 14.30
HFFC's Shiller P/E is ranked higher than
76% of the 841 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.71 vs. HFFC: 14.30 )
HFFC' s 10-Year Shiller P/E Range
Min: 6.29   Max: 19.01
Current: 14.3

6.29
19.01

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.24
HFFC's Dividend Yield is ranked higher than
68% of the 1312 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.40 vs. HFFC: 3.24 )
HFFC' s 10-Year Dividend Yield Range
Min: 1.89   Max: 5.51
Current: 3.24

1.89
5.51
Dividend Payout 0.54
HFFC's Dividend Payout is ranked lower than
57% of the 1147 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.31 vs. HFFC: 0.54 )
HFFC' s 10-Year Dividend Payout Range
Min: 0.18   Max: 1.61
Current: 0.54

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 1327 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.66 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
59% of the 1170 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.70 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 1.20
HFFC's Price/Tangible Book is ranked higher than
68% of the 1380 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 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
76% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.60 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 1.30
HFFC's Price/Median PS Value is ranked lower than
63% of the 1493 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. HFFC: 1.30 )
HFFC' s 10-Year Price/Median PS Value Range
Min: 0.51   Max: 1.99
Current: 1.3

0.51
1.99
Price/Graham Number 0.90
HFFC's Price/Graham Number is ranked higher than
64% of the 1365 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 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) 3.40
HFFC's Earnings Yield (Greenblatt) is ranked lower than
51% of the 1411 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. HFFC: 3.40 )
HFFC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.3   Max: 12
Current: 3.4

0.3
12
Forward Rate of Return (Yacktman) -15.69
HFFC's Forward Rate of Return (Yacktman) is ranked lower than
54% of the 1102 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.77 vs. HFFC: -15.69 )
HFFC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -26.9   Max: 40.3
Current: -15.69

-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

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