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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
88% of the 1609 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.52 vs. HMNF: No Debt )
HMNF' s 10-Year Cash to Debt Range
Min: 0.03   Max: No Debt
Current: No Debt

Equity to Asset 0.14
HMNF's Equity to Asset is ranked higher than
91% of the 2017 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. HMNF: 0.14 )
HMNF' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.18
Current: 0.14

0.07
0.18
Interest Coverage 3.73
HMNF's Interest Coverage is ranked higher than
87% of the 1857 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.31 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: 5
Z-Score: 0.37
WACC vs ROIC
11.83%
1157.87%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 46.02
HMNF's Operating margin (%) is ranked higher than
91% of the 2053 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.14 vs. HMNF: 46.02 )
HMNF' s 10-Year Operating margin (%) Range
Min: -59.18   Max: 53.57
Current: 46.02

-59.18
53.57
Net-margin (%) 27.65
HMNF's Net-margin (%) is ranked higher than
85% of the 2053 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.86 vs. HMNF: 27.65 )
HMNF' s 10-Year Net-margin (%) Range
Min: -75.7   Max: 98.76
Current: 27.65

-75.7
98.76
ROE (%) 9.02
HMNF's ROE (%) is ranked higher than
78% of the 2055 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.65 vs. HMNF: 9.02 )
HMNF' s 10-Year ROE (%) Range
Min: -34.2   Max: 36.41
Current: 9.02

-34.2
36.41
ROA (%) 1.21
HMNF's ROA (%) is ranked higher than
89% of the 2059 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.78 vs. HMNF: 1.21 )
HMNF' s 10-Year ROA (%) Range
Min: -3.02   Max: 4.1
Current: 1.21

-3.02
4.1
ROC (Joel Greenblatt) (%) 179.73
HMNF's ROC (Joel Greenblatt) (%) is ranked higher than
88% of the 2025 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 78.88 vs. HMNF: 179.73 )
HMNF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -224.13   Max: 176.66
Current: 179.73

-224.13
176.66
Revenue Growth (3Y)(%) -14.90
HMNF's Revenue Growth (3Y)(%) is ranked higher than
55% of the 1736 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. HMNF: -14.90 )
HMNF' s 10-Year Revenue Growth (3Y)(%) 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 2014

HMNF Guru Trades in Q1 2014

Jim Simons 43,600 sh (+16.89%)
» More
Q2 2014

HMNF Guru Trades in Q2 2014

Jim Simons 44,900 sh (+2.98%)
» More
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 (+10.3%)
» 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%)



No Guru Trades Found!
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Ratios

vs
industry
vs
history
P/E(ttm) 2.50
HMNF's P/E(ttm) is ranked higher than
100% of the 2692 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.80 vs. HMNF: 2.50 )
HMNF' s 10-Year P/E(ttm) Range
Min: 1.57   Max: 22.96
Current: 2.5

1.57
22.96
PE(NRI) 2.50
HMNF's PE(NRI) is ranked higher than
100% of the 2692 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.90 vs. HMNF: 2.50 )
HMNF' s 10-Year PE(NRI) Range
Min: 1.58   Max: 23.03
Current: 2.5

1.58
23.03
P/B 0.80
HMNF's P/B is ranked higher than
89% of the 2692 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.33 vs. HMNF: 0.80 )
HMNF' s 10-Year P/B Range
Min: 0.09   Max: 1.75
Current: 0.8

0.09
1.75
P/S 2.10
HMNF's P/S is ranked higher than
89% of the 2692 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.65 vs. HMNF: 2.10 )
HMNF' s 10-Year P/S Range
Min: 0.17   Max: 3.97
Current: 2.1

0.17
3.97
PFCF 3.00
HMNF's PFCF is ranked higher than
95% of the 2692 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. HMNF: 3.00 )
HMNF' s 10-Year PFCF Range
Min: 0.32   Max: 10.12
Current: 3

0.32
10.12
POCF 2.93
HMNF's POCF is ranked higher than
94% of the 2692 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 80.77 vs. HMNF: 2.93 )
HMNF' s 10-Year POCF Range
Min: 0.24   Max: 8.66
Current: 2.93

0.24
8.66
EV-to-EBIT 1.03
HMNF's EV-to-EBIT is ranked higher than
99% of the 2692 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.30 vs. HMNF: 1.03 )
HMNF' s 10-Year EV-to-EBIT Range
Min: -53.4   Max: 21
Current: 1.03

-53.4
21
Days Sales Outstanding 23.43
HMNF's Days Sales Outstanding is ranked higher than
94% of the 2692 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. HMNF: 23.43 )
HMNF' s 10-Year Days Sales Outstanding Range
Min: 22.55   Max: 74.76
Current: 23.43

22.55
74.76

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.83
HMNF's Price/Tangible Book is ranked higher than
91% of the 2692 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.62 vs. HMNF: 0.83 )
HMNF' s 10-Year Price/Tangible Book Range
Min: 0.15   Max: 1.92
Current: 0.83

0.15
1.92
Price/DCF (Projected) 0.25
HMNF's Price/DCF (Projected) is ranked higher than
96% of the 2692 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. HMNF: 0.25 )
HMNF' s 10-Year Price/DCF (Projected) Range
Min: 0.03   Max: 2.23
Current: 0.25

0.03
2.23
Price/Median PS Value 1.33
HMNF's Price/Median PS Value is ranked higher than
69% of the 2692 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.26 vs. HMNF: 1.33 )
HMNF' s 10-Year Price/Median PS Value Range
Min: 0.13   Max: 6.04
Current: 1.33

0.13
6.04
Price/Graham Number 0.26
HMNF's Price/Graham Number is ranked higher than
99% of the 2692 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.22 vs. HMNF: 0.26 )
HMNF' s 10-Year Price/Graham Number Range
Min: 0.18   Max: 1.34
Current: 0.26

0.18
1.34
Earnings Yield (Greenblatt) 97.10
HMNF's Earnings Yield (Greenblatt) is ranked higher than
99% of the 2043 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. HMNF: 97.10 )
HMNF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.8   Max: 672.1
Current: 97.1

4.8
672.1
Forward Rate of Return (Yacktman) 45.85
HMNF's Forward Rate of Return (Yacktman) is ranked higher than
91% of the 1309 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.46 vs. HMNF: 45.85 )
HMNF' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 11.7   Max: 359.7
Current: 45.85

11.7
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 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,
» 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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