HMN Financial (HMN Financial) GF Value Rank : 6 (As of Apr. 28, 2024)

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What is HMN Financial GF Value Rank?

HMN Financial has the GF Value Rank of 6.

The GF Value Rank is determined by the price-to-GF-Value (P/GF Value) ratio, a proprietary metric calculated based on historical multiples along with an adjustment factor based on a company's past returns and growth and future estimates of the business' performance.

GuruFocus found that for valuation, we cannot simply give stocks a better GF Value rank simply because they have a lower P/GF Value ratio. Backtesting shows that over the long term, the two worst-performing groups are the most expensive group (with the highest P/GF Value ratio) and the least expensive group (with the lowest P/GF Value ratio).

We can understand why the most expensive group underperforms. We were initially puzzled by the underperformance of the least expensive group, but we realized there is a reason why some stocks are super cheap. If they look too undervalued, it is often because the businesses behind them are poor quality. The market realized this and gave them low valuations. In a way, the market is efficient.

After multiple backtesting analyses, we granted the stocks in third-cheapest percentile the highest GF Value rank, as they have performed the best over a full market cycle. Stock performance is actually not as sensitive to valuation as it is to growth and profitability. On average, the companies in the 20%-50% valuation groups have similar performances. Therefore, we should avoid the most expensive and the least expensive stocks. We can be more tolerant of valuation.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

Competitive Comparison of HMN Financial's GF Value Rank

For the Banks - Regional subindustry, HMN Financial's GF Value Rank, along with its competitors' market caps and GF Value Rank 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 GF Value Rank Distribution in the Banks Industry

For the Banks industry and Financial Services sector, HMN Financial's GF Value Rank distribution charts can be found below:

* The bar in red indicates where HMN Financial's GF Value Rank falls into.

HMN Financial GF Value Rank Related Terms

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

HMN Financial (HMN Financial) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » HMN Financial Inc (NAS:HMNF) » Definitions » GF Value Rank

Comparable Companies

Traded in Other Exchanges

N/A

Address

1016 Civic Center Drive Northwest, Rochester, MN, USA, 55901

Website

https://www.justcallhome.com

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