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HMN Financial (HMN Financial) PS Ratio

: 2.25 (As of Today)
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The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, HMN Financial's share price is $19.60. HMN Financial's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2023 was $8.72. Hence, HMN Financial's PS Ratio for today is 2.25.

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

HMNF' s PS Ratio Range Over the Past 10 Years
Min: 0.89   Med: 2.17   Max: 2.99
Current: 2.25

During the past 13 years, HMN Financial's highest PS Ratio was 2.99. The lowest was 0.89. And the median was 2.17.

HMNF's PS Ratio is ranked better than
56.27% of 1452 companies
in the Banks industry
Industry Median: 2.38 vs HMNF: 2.25

HMN Financial's Revenue per Sharefor the three months ended in Dec. 2023 was $2.14. Its Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2023 was $8.72.

Warning Sign:

HMN Financial Inc revenue per share has been in decline over the past 3 years.

During the past 12 months, the average Revenue per Share Growth Rate of HMN Financial was -4.90% per year. During the past 3 years, the average Revenue per Share Growth Rate was -2.10% per year. During the past 5 years, the average Revenue per Share Growth Rate was 4.10% per year. During the past 10 years, the average Revenue per Share Growth Rate was 5.30% per year.

During the past 13 years, HMN Financial's highest 3-Year average Revenue per Share Growth Rate was 63.10% per year. The lowest was -13.10% per year. And the median was 8.40% per year.

Back to Basics: PS Ratio


HMN Financial PS Ratio Historical Data

The historical data trend for HMN Financial's PS 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 Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.63 1.81 2.50 2.28 2.58

HMN Financial Quarterly Data
Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
PS 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 2.03 2.00 2.06 2.58 -

Competitive Comparison

For the Banks - Regional subindustry, HMN Financial's PS Ratio, along with its competitors' market caps and PS 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 PS Ratio Distribution

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

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



HMN Financial PS Ratio Calculation

The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.

HMN Financial's PS Ratio for today is calculated as

PS Ratio=Share Price/Revenue per Share (TTM)
=19.60/8.718
=2.25

HMN Financial's Share Price of today is $19.60.
HMN Financial's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2023 adds up the quarterly data reported by the company within the most recent 12 months, which was $8.72.

* 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:

PS Ratio=Market Cap/Revenue

The Revenue here is for the trailing 12 months.


HMN Financial  (NAS:HMNF) PS Ratio Explanation

The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.

When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.

Similar to the PE Ratio or Price-to-Operating-Cash-Flow or Price-to-Free-Cash-Flow , the PS Ratio measures the valuation based on the earning power of the company. This is where it is different from the PB Ratio , which measures the valuation based on the company's balance sheet.


Be Aware

The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.


HMN Financial PS Ratio Related Terms

Thank you for viewing the detailed overview of HMN Financial's PS 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