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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 No Debt
HMNF's Cash to Debt is ranked higher than
87% of the 1272 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. HMNF: No Debt )
HMNF' s 10-Year Cash to Debt Range
Min: 0.04   Max: No Debt
Current: No Debt

Equity to Asset 0.13
HMNF's Equity to Asset is ranked higher than
84% of the 1588 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. HMNF: 0.13 )
HMNF' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.18
Current: 0.13

0.07
0.18
Interest Coverage 3.73
HMNF's Interest Coverage is ranked higher than
89% of the 1357 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. HMNF: 3.73 )
HMNF' s 10-Year Interest Coverage Range
Min: 0.19   Max: 9999.99
Current: 3.73

0.19
9999.99
F-Score: 4
Z-Score: 0.29
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 (%) 45.41
HMNF's Operating margin (%) is ranked higher than
90% of the 1462 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.05 vs. HMNF: 45.41 )
HMNF' s 10-Year Operating margin (%) Range
Min: -59.18   Max: 53.57
Current: 45.41

-59.18
53.57
Net-margin (%) 98.76
HMNF's Net-margin (%) is ranked higher than
99% of the 1570 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.57 vs. HMNF: 98.76 )
HMNF' s 10-Year Net-margin (%) Range
Min: -75.7   Max: 98.76
Current: 98.76

-75.7
98.76
ROE (%) 31.13
HMNF's ROE (%) is ranked higher than
99% of the 1554 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.99 vs. HMNF: 31.13 )
HMNF' s 10-Year ROE (%) Range
Min: -41.67   Max: 31.13
Current: 31.13

-41.67
31.13
ROA (%) 4.11
HMNF's ROA (%) is ranked higher than
99% of the 1563 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.75 vs. HMNF: 4.11 )
HMNF' s 10-Year ROA (%) Range
Min: -3.29   Max: 4.11
Current: 4.11

-3.29
4.11
ROC (Joel Greenblatt) (%) 182.74
HMNF's ROC (Joel Greenblatt) (%) is ranked higher than
87% of the 1437 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 78.30 vs. HMNF: 182.74 )
HMNF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -239.74   Max: 182.74
Current: 182.74

-239.74
182.74
Revenue Growth (%) -14.90
HMNF's Revenue Growth (%) is ranked higher than
52% of the 1284 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. HMNF: -14.90 )
HMNF' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 23.7
Current: -14.9

0
23.7
» HMNF's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2013

HMNF Guru Trades in Q1 2013

Jim Simons 28,300 sh (+15.51%)
» More
Q2 2013

HMNF Guru Trades in Q2 2013

Jim Simons 32,100 sh (+13.43%)
» More
Q3 2013

HMNF Guru Trades in Q3 2013

Jim Simons 34,400 sh (+7.17%)
» More
Q4 2013

HMNF Guru Trades in Q4 2013

Jim Simons 37,300 sh (+8.43%)
» More
» Details

Insider Trades

Latest Guru Trades with HMNF



No Insider Trades Found!
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Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 1.80
HMNF's P/E(ttm) is ranked higher than
99% of the 1451 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.60 vs. HMNF: 1.80 )
HMNF' s 10-Year P/E(ttm) Range
Min: 1.63   Max: 22.96
Current: 1.8

1.63
22.96
P/B 0.70
HMNF's P/B is ranked higher than
85% of the 1479 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. HMNF: 0.70 )
HMNF' s 10-Year P/B Range
Min: 0.09   Max: 1.75
Current: 0.7

0.09
1.75
P/S 1.60
HMNF's P/S is ranked higher than
82% of the 1638 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.80 vs. HMNF: 1.60 )
HMNF' s 10-Year P/S Range
Min: 0.17   Max: 3.61
Current: 1.6

0.17
3.61
PFCF 2.30
HMNF's PFCF is ranked higher than
87% of the 940 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. HMNF: 2.30 )
HMNF' s 10-Year PFCF Range
Min: 0.24   Max: 8.66
Current: 2.3

0.24
8.66
EV-to-EBIT 5.60
HMNF's EV-to-EBIT is ranked higher than
94% of the 1447 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.51 vs. HMNF: 5.60 )
HMNF' s 10-Year EV-to-EBIT Range
Min: 0.1   Max: 38.5
Current: 5.6

0.1
38.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.80
HMNF's Price/Tangible Book is ranked higher than
91% of the 1380 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. HMNF: 0.80 )
HMNF' s 10-Year Price/Tangible Book Range
Min: 0.2   Max: 1.92
Current: 0.8

0.2
1.92
Price/DCF (Projected) 0.20
HMNF's Price/DCF (Projected) is ranked higher than
95% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.60 vs. HMNF: 0.20 )
HMNF' s 10-Year Price/DCF (Projected) Range
Min: 0.03   Max: 1.37
Current: 0.2

0.03
1.37
Price/Median PS Value 1.10
HMNF's Price/Median PS Value is ranked higher than
59% of the 1493 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. HMNF: 1.10 )
HMNF' s 10-Year Price/Median PS Value Range
Min: 0.16   Max: 4.72
Current: 1.1

0.16
4.72
Price/Graham Number 0.20
HMNF's Price/Graham Number is ranked higher than
94% of the 1365 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. HMNF: 0.20 )
HMNF' s 10-Year Price/Graham Number Range
Min: 0.18   Max: 1.3
Current: 0.2

0.18
1.3
Earnings Yield (Greenblatt) 17.70
HMNF's Earnings Yield (Greenblatt) is ranked higher than
95% of the 1411 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. HMNF: 17.70 )
HMNF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.6   Max: 672.1
Current: 17.7

2.6
672.1
Forward Rate of Return (Yacktman) 44.79
HMNF's Forward Rate of Return (Yacktman) is ranked higher than
91% of the 1102 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.77 vs. HMNF: 44.79 )
HMNF' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 13.7   Max: 205.3
Current: 44.79

13.7
205.3

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK » details
HMN Financial Inc. was incorporated in Delaware in 1994. It is a stock savings bank holding company that owns 100% of Home Federal Savings Bank. The Bank has a community banking philosophy and operates retail banking and loan production facilities in Minnesota and Iowa. As a community-oriented financial institution, the Company seeks to serve the financial needs of communities in its market area. The Company's business involves attracting deposits from the general public and businesses and using such deposits to originate or purchase one-to-four family residential, commercial real estate, and multi-family mortgage loans as well as consumer, construction, and commercial business loans. The Company also invests in mortgage-backed and related securities, U.S. government agency obligations and other permissible investments. The Company serves the southern Minnesota counties of Fillmore, Freeborn, Houston, Mower, Olmsted and Winona and portions of Steele, Dodge, Goodhue and Wabasha through its corporate office located in Rochester, Minnesota and its ten branch offices located in Albert Lea, Austin, La Crescent, Rochester, Spring Valley and Winona, Minnesota. The portion of the Company's southern Minnesota market area consisting of Rochester and the contiguous communities is composed of mainly urban and suburban communities, while the balance of the Company's southern Minnesota market area consists mainly of rural areas and small towns. Primary industries in the Company's southern Minnesota market area include manufacturing, agriculture, health care, wholesale and retail trade, service industries and education. The Company serves southern Twin Cities Dakota county from its office located in Eagan, Minnesota. The Company serves the Iowa counties of Marshall and Tama through its branch offices located in Marshalltown and Toledo, Iowa. Historically, the Company has originated 15 and 30 year, fixed rate mortgage loans secured by one-to-four family residences for its loan portfolio. It offers conventional fixed rate one-to-four family loans that have maximum terms of 30 years. It originates permanent commercial real estate and multi-family loans secured by properties located mainly in its market area. It makes construction loans to individuals for the construction of their residences and to builders for the construction of one-to-four family residences. It also makes a very limited number of loans to builders for houses built on speculation. Construction loans also include commercial real estate loans. It originates a variety of consumer loans, including home equity loans (open-end and closed-end), automobile, mobile home, lot loans, loans secured by deposit accounts and other loans for household and personal purposes. Its consumer loans are made at fixed or adjustable interest rates, with terms up to 20 years for secured loans and up to five years for unsecured loans. It maintains a portfolio of commercial business loans mainly to retail,

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