Switch to:

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 4.42
HMNF's Cash to Debt is ranked higher than
57% of the 1088 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. HMNF: 4.42 )
Ranked among companies with meaningful Cash to Debt only.
HMNF' s Cash to Debt Range Over the Past 10 Years
Min: 0.03  Med: 0.17 Max: No Debt
Current: 4.42
Equity to Asset 0.11
HMNF's Equity to Asset is ranked higher than
59% of the 1578 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. HMNF: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
HMNF' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.10 Max: 0.17
Current: 0.11
0.07
0.17
Interest Coverage 3.03
HMNF's Interest Coverage is ranked higher than
66% of the 1429 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.82 vs. HMNF: 3.03 )
Ranked among companies with meaningful Interest Coverage only.
HMNF' s Interest Coverage Range Over the Past 10 Years
Min: 0.47  Med: 0.75 Max: 10.14
Current: 3.03
0.47
10.14
F-Score: 3
WACC vs ROIC
4.60%
6.47%
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 (%) 16.55
HMNF's Operating margin (%) is ranked lower than
81% of the 1590 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.86 vs. HMNF: 16.55 )
Ranked among companies with meaningful Operating margin (%) only.
HMNF' s Operating margin (%) Range Over the Past 10 Years
Min: -59.18  Med: 23.48 Max: 46.02
Current: 16.55
-59.18
46.02
Net-margin (%) 10.71
HMNF's Net-margin (%) is ranked lower than
83% of the 1593 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.37 vs. HMNF: 10.71 )
Ranked among companies with meaningful Net-margin (%) only.
HMNF' s Net-margin (%) Range Over the Past 10 Years
Min: -75.7  Med: 17.49 Max: 98.76
Current: 10.71
-75.7
98.76
ROE (%) 4.08
HMNF's ROE (%) is ranked lower than
79% of the 1589 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.01 vs. HMNF: 4.08 )
Ranked among companies with meaningful ROE (%) only.
HMNF' s ROE (%) Range Over the Past 10 Years
Min: -36.3  Med: 6.44 Max: 33.58
Current: 4.08
-36.3
33.58
ROA (%) 0.50
HMNF's ROA (%) is ranked lower than
72% of the 1598 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.86 vs. HMNF: 0.50 )
Ranked among companies with meaningful ROA (%) only.
HMNF' s ROA (%) Range Over the Past 10 Years
Min: -3.02  Med: 0.80 Max: 4.1
Current: 0.5
-3.02
4.1
Revenue Growth (3Y)(%) -14.30
HMNF's Revenue Growth (3Y)(%) is ranked lower than
85% of the 1284 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 Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -2.40 Max: 23.7
Current: -14.3
0
23.7
» HMNF's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q3 2015

HMNF Guru Trades in Q3 2015

Jim Simons 58,300 sh (+1.57%)
» More
Q4 2015

HMNF Guru Trades in Q4 2015

Jim Simons 61,100 sh (+4.80%)
» 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 Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 15.80
HMNF's P/E(ttm) is ranked lower than
74% of the 2227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.73 vs. HMNF: 15.80 )
Ranked among companies with meaningful P/E(ttm) only.
HMNF' s P/E(ttm) Range Over the Past 10 Years
Min: 1.54  Med: 11.83 Max: 23.03
Current: 15.8
1.54
23.03
PE(NRI) 15.80
HMNF's PE(NRI) is ranked lower than
71% of the 1697 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.19 vs. HMNF: 15.80 )
Ranked among companies with meaningful PE(NRI) only.
HMNF' s PE(NRI) Range Over the Past 10 Years
Min: 1.54  Med: 11.83 Max: 23.03
Current: 15.8
1.54
23.03
P/B 0.70
HMNF's P/B is ranked higher than
71% of the 2260 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. HMNF: 0.70 )
Ranked among companies with meaningful P/B only.
HMNF' s P/B Range Over the Past 10 Years
Min: 0.09  Med: 0.77 Max: 1.69
Current: 0.7
0.09
1.69
P/S 1.93
HMNF's P/S is ranked higher than
65% of the 2511 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.50 vs. HMNF: 1.93 )
Ranked among companies with meaningful P/S only.
HMNF' s P/S Range Over the Past 10 Years
Min: 0.17  Med: 1.49 Max: 3.97
Current: 1.93
0.17
3.97
PFCF 5.58
HMNF's PFCF is ranked higher than
60% of the 1363 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.00 vs. HMNF: 5.58 )
Ranked among companies with meaningful PFCF only.
HMNF' s PFCF Range Over the Past 10 Years
Min: 0.32  Med: 1.93 Max: 9.97
Current: 5.58
0.32
9.97
POCF 5.15
HMNF's POCF is ranked higher than
59% of the 1543 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.06 vs. HMNF: 5.15 )
Ranked among companies with meaningful POCF only.
HMNF' s POCF Range Over the Past 10 Years
Min: 0.24  Med: 1.79 Max: 8.73
Current: 5.15
0.24
8.73
EV-to-EBIT 8.27
HMNF's EV-to-EBIT is ranked higher than
74% of the 2177 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.38 vs. HMNF: 8.27 )
Ranked among companies with meaningful EV-to-EBIT only.
HMNF' s EV-to-EBIT Range Over the Past 10 Years
Min: -53.4  Med: 1.50 Max: 20.4
Current: 8.27
-53.4
20.4
EV-to-EBITDA 6.81
HMNF's EV-to-EBITDA is ranked higher than
78% of the 2182 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.15 vs. HMNF: 6.81 )
Ranked among companies with meaningful EV-to-EBITDA only.
HMNF' s EV-to-EBITDA Range Over the Past 10 Years
Min: -236.4  Med: 1.40 Max: 20.7
Current: 6.81
-236.4
20.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.72
HMNF's Price/Tangible Book is ranked higher than
73% of the 2171 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 38.57 vs. HMNF: 0.72 )
Ranked among companies with meaningful Price/Tangible Book only.
HMNF' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.15  Med: 0.95 Max: 1.91
Current: 0.72
0.15
1.91
Price/Projected FCF 0.25
HMNF's Price/Projected FCF is ranked higher than
84% of the 1316 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. HMNF: 0.25 )
Ranked among companies with meaningful Price/Projected FCF only.
HMNF' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.03  Med: 0.27 Max: 3.63
Current: 0.25
0.03
3.63
Price/Median PS Value 1.29
HMNF's Price/Median PS Value is ranked lower than
84% of the 2067 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.93 vs. HMNF: 1.29 )
Ranked among companies with meaningful Price/Median PS Value only.
HMNF' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.14  Med: 1.71 Max: 6.28
Current: 1.29
0.14
6.28
Price/Graham Number 0.75
HMNF's Price/Graham Number is ranked higher than
53% of the 2007 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.77 vs. HMNF: 0.75 )
Ranked among companies with meaningful Price/Graham Number only.
HMNF' s Price/Graham Number Range Over the Past 10 Years
Min: 0.23  Med: 0.78 Max: 1.33
Current: 0.75
0.23
1.33
Earnings Yield (Greenblatt) (%) 12.07
HMNF's Earnings Yield (Greenblatt) (%) is ranked higher than
75% of the 1519 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. HMNF: 12.07 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
HMNF' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 4.9  Med: 7.80 Max: 672.1
Current: 12.07
4.9
672.1
Forward Rate of Return (Yacktman) (%) 51.86
HMNF's Forward Rate of Return (Yacktman) (%) is ranked higher than
87% of the 869 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.65 vs. HMNF: 51.86 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
HMNF' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 17.9  Med: 53.70 Max: 359.7
Current: 51.86
17.9
359.7

More Statistics

Revenue(Mil) $28
EPS $ 0.62
Beta0.38
Short Percentage of Float0.03%
52-Week Range $10.18 - 12.61
Shares Outstanding(Mil)4.48

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 operate
» More Articles for HMNF

Headlines

Articles On GuruFocus.com
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 

More From Other Websites
HMN Financial, Inc. Earnings Analysis: 2015 By the Numbers Feb 04 2016
HMN Financial, Inc, Announces Fourth Quarter Results and Annual Meeting, January 27, 2016 Jan 28 2016
HMN FINANCIAL INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jan 28 2016
HMN Financial, Inc. Announces Fourth Quarter Results and Annual Meeting Jan 27 2016
HMN FINANCIAL INC Financials Dec 08 2015
What's Driving the Price Movement - Research on HMN Financial, Metabolix, Brainstorm Cell... Dec 04 2015
HMN FINANCIAL INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits Nov 20 2015
HMN Financial, Inc. Announces Home Federal Savings Bank Enters Into Agreement to Acquire Assets of... Nov 20 2015
HMN Enters Into Agreement to Acquire Assets of Deerwood Bank's Albert Lea, Minnesota Branch Nov 19 2015
HMN Financial, Inc. Earnings Q3, 2015 Nov 06 2015
HMN FINANCIAL INC Files SEC form 10-Q, Quarterly Report Nov 04 2015
HMN Financial, Inc. Announces Third Quarter Results, October 21, 2015 Oct 22 2015
HMN FINANCIAL INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Oct 21 2015
HMN Financial, Inc. Earnings Q2, 2015 Sep 15 2015
HMN FINANCIAL INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits Aug 18 2015
HMN Closes Acquisition of Assets of Kasson State Bank, August 17, 2015 Aug 18 2015
HMN FINANCIAL INC Files SEC form 10-Q, Quarterly Report Aug 05 2015
HMN FINANCIAL INC Files SEC form 8-K, Amendments to Articles of Inc. or Bylaws; Change in Fiscal... Jul 29 2015
HMN Financial, Inc. Announces Second Quarter Results, July 20, 2015 Jul 21 2015
HMN FINANCIAL INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jul 21 2015

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
FEEDBACK