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HMN Financial (HMN Financial) PB Ratio : 0.82 (As of Apr. 25, 2024)


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What is HMN Financial PB Ratio?

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2024-04-25), HMN Financial's share price is $19.89. HMN Financial's Book Value per Share for the quarter that ended in Dec. 2023 was $24.39. Hence, HMN Financial's PB Ratio of today is 0.82.

Good Sign:

HMN Financial Inc stock PB Ratio (=0.8) is close to 3-year low of 0.78

The historical rank and industry rank for HMN Financial's PB Ratio or its related term are showing as below:

HMNF' s PB Ratio Range Over the Past 10 Years
Min: 0.64   Med: 0.94   Max: 1.28
Current: 0.82

During the past 13 years, HMN Financial's highest PB Ratio was 1.28. The lowest was 0.64. And the median was 0.94.

HMNF's PB Ratio is ranked better than
56.27% of 1459 companies
in the Banks industry
Industry Median: 0.85 vs HMNF: 0.82

During the past 12 months, HMN Financial's average Book Value Per Share Growth Rate was 11.20% per year. During the past 3 years, the average Book Value Per Share Growth Rate was 3.70% per year. During the past 5 years, the average Book Value Per Share Growth Rate was 6.50% per year. During the past 10 years, the average Book Value Per Share Growth Rate was 5.90% per year.

During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of HMN Financial was 26.10% per year. The lowest was -29.90% per year. And the median was 6.00% per year.

Back to Basics: PB Ratio


HMN Financial PB Ratio Historical Data

The historical data trend for HMN Financial's PB Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

HMN Financial PB Ratio Chart

HMN Financial Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.10 0.79 1.02 0.98 0.95

HMN Financial Quarterly Data
Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
PB Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.86 0.82 0.84 0.95 0.87

Competitive Comparison of HMN Financial's PB Ratio

For the Banks - Regional subindustry, HMN Financial's PB Ratio, along with its competitors' market caps and PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


HMN Financial's PB Ratio Distribution in the Banks Industry

For the Banks industry and Financial Services sector, HMN Financial's PB Ratio distribution charts can be found below:

* The bar in red indicates where HMN Financial's PB Ratio falls into.



HMN Financial PB Ratio Calculation

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.

HMN Financial's PB Ratio for today is calculated as follows:

PB Ratio=Share Price/Book Value per Share (Q: Dec. 2023)
=19.89/24.386
=0.82

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

It can also be calculated from the numbers for the whole company:

A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.


HMN Financial  (NAS:HMNF) PB Ratio Explanation

Unlike valuation ratios relative to the earning power such as PE Ratio, PE Ratio without NRI, PS Ratio, Price-to-Operating-Cash-Flow , or Price-to-Free-Cash-Flow, the PB Ratio measures the valuation of the stock relative to the underlying asset of the company.

The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.


Be Aware

Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.


HMN Financial PB Ratio Related Terms

Thank you for viewing the detailed overview of HMN Financial's PB Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


HMN Financial (HMN Financial) Business Description

Traded in Other Exchanges
N/A
Address
1016 Civic Center Drive Northwest, Rochester, MN, USA, 55901
HMN Financial Inc is a stock savings bank holding company of Home federal savings bank. The bank is engaged in community banking and operates retail banking and loan production facilities in Minnesota, Iowa, Wisconsin. It is involved in the business of attracting deposits from the general public and businesses and using such deposits to originate single-family residential, commercial real estate and multi-family mortgage loans as well as consumer, construction, and commercial business loans. The bank also invests in mortgage-backed and related securities, U.S. government agency obligations and other permissible investments. Its products and services include checking and savings accounts, cash deposits, online services, credit cards among others.
Executives
Bradley Krehbiel other: EVP of subsidiary RT 3 BOX 174, LAKE CITY MN 55041
Jeffrey Bolton director 1016 CIVIC CENTER DRIVE NW, ROCHESTER MN 55901
David Oeth director 1016 CIVIC CENTER DRIVE NW, ROCHESTER MN 55901
Pamela Bishop director 1016 CIVIC CENTER DRIVE NW, ROCHESTER MN 55901
Williams Barbara Butts director 1016 CIVIC CENTER DRIVE NW, ROCHESTER MN 55901
Jon J Eberle officer: Senior Vice President 1016 CIVIC CENTER DRIVE NW, ROCHESTER MN 55901
Wendy S Shannon director 1016 CIVIC CENTER DRIVE NW, ROCHESTER MN 55901
Mark E Utz director 1016 CIVIC CENTER DRIVE NW, ROCHESTER MN 55901
Hugh C Smith director 1016 CIVIC CENTER DR NW, ROCHESTER MN 55901
Sequoya S Borgman director 1016 CIVIC CENTER DRIVE NW, ROCHESTER MN 55901
Michael A Bue director 1016 CIVIC CENTER DRIVE NW, ROCHESTER MN 55901
Hans K Zietlow director 1016 CIVIC CENTER DRIVE NW, ROCHESTER MN 55901
Patricia S Simmons director 1016 CIVIC CENTER DRIVE NW, ROCHESTER MN 55901
Malcolm W Mcdonald director
Michael J Fogarty director