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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 3.96
HMNF's Cash to Debt is ranked higher than
61% of the 984 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.36 vs. HMNF: 3.96 )
Ranked among companies with meaningful Cash to Debt only.
HMNF' s 10-Year Cash to Debt Range
Min: 0.03  Med: 0.16 Max: No Debt
Current: 3.96
Equity to Asset 0.12
HMNF's Equity to Asset is ranked higher than
69% of the 1355 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. HMNF: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
HMNF' s 10-Year Equity to Asset Range
Min: 0.07  Med: 0.10 Max: 0.17
Current: 0.12
0.07
0.17
Interest Coverage 10.14
HMNF's Interest Coverage is ranked higher than
92% of the 1272 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.60 vs. HMNF: 10.14 )
Ranked among companies with meaningful Interest Coverage only.
HMNF' s 10-Year Interest Coverage Range
Min: 0.19  Med: 0.44 Max: 10.14
Current: 10.14
0.19
10.14
F-Score: 3
WACC vs ROIC
14.26%
14.93%
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 : 4/10

vs
industry
vs
history
Operating margin (%) 27.08
HMNF's Operating margin (%) is ranked lower than
58% of the 1425 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.25 vs. HMNF: 27.08 )
Ranked among companies with meaningful Operating margin (%) only.
HMNF' s 10-Year Operating margin (%) Range
Min: -59.18  Med: 36.79 Max: 53.57
Current: 27.08
-59.18
53.57
Net-margin (%) 16.29
HMNF's Net-margin (%) is ranked lower than
70% of the 1425 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.01 vs. HMNF: 16.29 )
Ranked among companies with meaningful Net-margin (%) only.
HMNF' s 10-Year Net-margin (%) Range
Min: -75.7  Med: 24.39 Max: 98.76
Current: 16.29
-75.7
98.76
ROE (%) 4.73
HMNF's ROE (%) is ranked lower than
75% of the 1427 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.44 vs. HMNF: 4.73 )
Ranked among companies with meaningful ROE (%) only.
HMNF' s 10-Year ROE (%) Range
Min: -36.3  Med: 7.11 Max: 33.58
Current: 4.73
-36.3
33.58
ROA (%) 0.73
HMNF's ROA (%) is ranked lower than
59% of the 1436 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. HMNF: 0.73 )
Ranked among companies with meaningful ROA (%) only.
HMNF' s 10-Year ROA (%) Range
Min: -3.02  Med: 0.86 Max: 4.1
Current: 0.73
-3.02
4.1
Revenue Growth (3Y)(%) -14.30
HMNF's Revenue Growth (3Y)(%) is ranked lower than
90% of the 1215 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. HMNF: -14.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
HMNF' s 10-Year Revenue Growth (3Y)(%) Range
Min: -14.9  Med: 9.30 Max: 24.5
Current: -14.3
-14.9
24.5
» HMNF's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2014

HMNF Guru Trades in Q3 2014

Jim Simons 49,500 sh (+10.24%)
» More
Q4 2014

HMNF Guru Trades in Q4 2014

Jim Simons 54,600 sh (+10.30%)
» More
Q1 2015

HMNF Guru Trades in Q1 2015

Jim Simons 56,800 sh (+4.03%)
» More
Q2 2015

HMNF Guru Trades in Q2 2015

Jim Simons 57,400 sh (+1.06%)
» More
» Details

Insider Trades

Latest Guru Trades with HMNF

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 15.00
HMNF's P/E(ttm) is ranked lower than
61% of the 1293 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.10 vs. HMNF: 15.00 )
Ranked among companies with meaningful P/E(ttm) only.
HMNF' s 10-Year P/E(ttm) Range
Min: 1.57  Med: 11.80 Max: 22.96
Current: 15
1.57
22.96
PE(NRI) 14.90
HMNF's PE(NRI) is ranked lower than
60% of the 1291 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.20 vs. HMNF: 14.90 )
Ranked among companies with meaningful PE(NRI) only.
HMNF' s 10-Year PE(NRI) Range
Min: 1.58  Med: 11.80 Max: 23.03
Current: 14.9
1.58
23.03
P/B 0.75
HMNF's P/B is ranked higher than
75% of the 1370 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.06 vs. HMNF: 0.75 )
Ranked among companies with meaningful P/B only.
HMNF' s 10-Year P/B Range
Min: 0.09  Med: 0.80 Max: 1.74
Current: 0.75
0.09
1.74
P/S 2.02
HMNF's P/S is ranked higher than
71% of the 1409 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.86 vs. HMNF: 2.02 )
Ranked among companies with meaningful P/S only.
HMNF' s 10-Year P/S Range
Min: 0.17  Med: 1.50 Max: 3.97
Current: 2.02
0.17
3.97
PFCF 5.81
HMNF's PFCF is ranked higher than
69% of the 863 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.51 vs. HMNF: 5.81 )
Ranked among companies with meaningful PFCF only.
HMNF' s 10-Year PFCF Range
Min: 0.32  Med: 1.73 Max: 10.12
Current: 5.81
0.32
10.12
POCF 5.36
HMNF's POCF is ranked higher than
68% of the 956 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.00 vs. HMNF: 5.36 )
Ranked among companies with meaningful POCF only.
HMNF' s 10-Year POCF Range
Min: 0.24  Med: 1.64 Max: 8.66
Current: 5.36
0.24
8.66
EV-to-EBIT 2.99
HMNF's EV-to-EBIT is ranked higher than
96% of the 1284 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.41 vs. HMNF: 2.99 )
Ranked among companies with meaningful EV-to-EBIT only.
HMNF' s 10-Year EV-to-EBIT Range
Min: -53.4  Med: 1.60 Max: 21
Current: 2.99
-53.4
21
Days Sales Outstanding 24.81
HMNF's Days Sales Outstanding is ranked higher than
70% of the 795 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 34.20 vs. HMNF: 24.81 )
Ranked among companies with meaningful Days Sales Outstanding only.
HMNF' s 10-Year Days Sales Outstanding Range
Min: 22.55  Med: 40.75 Max: 80.66
Current: 24.81
22.55
80.66

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.77
HMNF's Price/Tangible Book is ranked higher than
76% of the 1347 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. HMNF: 0.77 )
Ranked among companies with meaningful Price/Tangible Book only.
HMNF' s 10-Year Price/Tangible Book Range
Min: 0.15  Med: 0.97 Max: 1.91
Current: 0.77
0.15
1.91
Price/Projected FCF 0.26
HMNF's Price/Projected FCF is ranked higher than
87% of the 805 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.65 vs. HMNF: 0.26 )
Ranked among companies with meaningful Price/Projected FCF only.
HMNF' s 10-Year Price/Projected FCF Range
Min: 0.02  Med: 0.27 Max: 3.63
Current: 0.26
0.02
3.63
Price/Median PS Value 1.35
HMNF's Price/Median PS Value is ranked lower than
82% of the 1310 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.04 vs. HMNF: 1.35 )
Ranked among companies with meaningful Price/Median PS Value only.
HMNF' s 10-Year Price/Median PS Value Range
Min: 0.14  Med: 1.72 Max: 6.24
Current: 1.35
0.14
6.24
Price/Graham Number 0.63
HMNF's Price/Graham Number is ranked higher than
71% of the 1181 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.82 vs. HMNF: 0.63 )
Ranked among companies with meaningful Price/Graham Number only.
HMNF' s 10-Year Price/Graham Number Range
Min: 0.18  Med: 0.81 Max: 1.35
Current: 0.63
0.18
1.35
Earnings Yield (Greenblatt) (%) 33.39
HMNF's Earnings Yield (Greenblatt) (%) is ranked higher than
97% of the 1408 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.80 vs. HMNF: 33.39 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
HMNF' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 4.8  Med: 7.60 Max: 672.1
Current: 33.39
4.8
672.1
Forward Rate of Return (Yacktman) (%) 63.36
HMNF's Forward Rate of Return (Yacktman) (%) is ranked higher than
93% of the 792 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.82 vs. HMNF: 63.36 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
HMNF' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 15.7  Med: 49.20 Max: 359.7
Current: 63.36
15.7
359.7

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 Company through its subsidiary operates retail banking and loan production facilities in Minnesota, Iowa, and Wisconsin. 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 seven 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 Dakota County, in the southern portion of the Minneapolis and St. Paul metropolitan area, from its office located in Eagan, Minnesota. The employers in this market area include Delta Airlines, Cenex Harvest States (cooperative), Flint Hills Resources LP (oil refinery), Unisys Corp (computer software), Blue Cross Blue Shield of Minnesota, and West Group, a Thomson Reuters business (legal research). The Company serves the Iowa county of Marshall through its branch office located in Marshalltown, Iowa. The employers in the area are Swift & Company (pork processors), Fisher Controls International (valve and regulator manufacturing), Lennox Industries (furnace and air conditioner manufacturing), Iowa Veterans Home (hospital care), Marshall Community School District (education), and Marshall Medical & Surgical Center (hospital care). The Company also serves a diverse high net worth customer base of individuals and businesses in Olmsted County from its two private banking offices located in Rochester, Minnesota. The Bank faces competition both in originating real estate, commercial and consumer loans and in attracting deposits. Competition in originating loans comes from mortgage bankers, commercial banks, credit unions and other savings institutions which have offices in the Bank's market area and those that operat
» More Articles for HMNF

Headlines

Articles On GuruFocus.com
comment on HMNF Mar 02 2013 
HMN Financial Inc. Reports Operating Results (10-Q) Nov 02 2010 
HMN Financial Inc. Reports Operating Results (10-Q) Aug 02 2010 
HMN Financial Inc. Reports Operating Results (10-Q) May 05 2010 
HMN Financial Inc. Reports Operating Results (10-Q) Nov 03 2009 
HMN Financial Inc. Reports Operating Results (10-Q) Aug 03 2009 
HMN Financial Inc. Reports Operating Results (10-Q) May 05 2009 
HMN Financial Inc. Reports Operating Results for Fiscal Quarter Ended on 2007-09-30 Dec 19 2008 

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