HMN Financial (HMN Financial) Net Margin %

: 15.52% (As of Dec. 2023)

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Net margin is calculated as Net Income divided by its Revenue. HMN Financial's Net Income for the three months ended in Dec. 2023 was $1.45 Mil. HMN Financial's Revenue for the three months ended in Dec. 2023 was $9.36 Mil. Therefore, HMN Financial's net margin for the quarter that ended in Dec. 2023 was 15.52%.

The historical rank and industry rank for HMN Financial's Net Margin % or its related term are showing as below:

HMNF' s Net Margin % Range Over the Past 10 Years
Min: 10.8 Med: 20.31 Max: 30.5
Current: 15.38

HMNF's Net Margin % is ranked worse than
76.88% of 1462 companies
in the Banks industry
Industry Median: 25.54 vs HMNF: 15.38

HMN Financial Net Margin % Historical Data

The historical data trend for HMN Financial's Net Margin % 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 Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Net Margin %

21.06

23.31

30.50

19.55

15.38

HMN Financial Quarterly Data
	Mar19	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23
Net Margin %																22.45	16.35	14.65	15.00	15.52

Competitive Comparison

For the Banks - Regional subindustry, HMN Financial's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % Distribution

For the Banks industry and Financial Services sector, HMN Financial's Net Margin % distribution charts can be found below:

* The bar in red indicates where HMN Financial's Net Margin % falls into.

HMN Financial Net Margin % Calculation

Net margin - also known as net profit margin is the ratio of Net Income divided by net sales or Revenue, usually presented in percent.

HMN Financial's Net Margin for the fiscal year that ended in Dec. 2023 is calculated as

Net Margin	=	Net Income (A: Dec. 2023 )	/	Revenue (A: Dec. 2023 )
	=	6.005	/	39.038
	=	15.38 %

HMN Financial's Net Margin for the quarter that ended in Dec. 2023 is calculated as

Net Margin	=	Net Income (Q: Dec. 2023 )	/	Revenue (Q: Dec. 2023 )
	=	1.452	/	9.358
	=	15.52 %

HMN Financial (NAS:HMNF) Net Margin % Explanation

Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.

But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.

HMN Financial Net Margin % Related Terms

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HMN Financial (HMN Financial) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » HMN Financial Inc (NAS:HMNF) » Definitions » Net Margin %

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