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HMN FINANCIAL INC (HMNF) Stock Fundamental Analysis

NASDAQ:HMNF - Nasdaq - US40424G1085 - Common Stock - Currency: USD

27.99  -0.61 (-2.13%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to HMNF. HMNF was compared to 393 industry peers in the Banks industry. The financial health of HMNF is average, but there are quite some concerns on its profitability. HMNF is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year HMNF was profitable.
HMNF had a positive operating cash flow in the past year.
In the past 5 years HMNF has always been profitable.
In the past 5 years HMNF always reported a positive cash flow from operatings.
HMNF Yearly Net Income VS EBIT VS OCF VS FCFHMNF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M

1.2 Ratios

HMNF's Return On Assets of 0.47% is on the low side compared to the rest of the industry. HMNF is outperformed by 74.88% of its industry peers.
The Return On Equity of HMNF (4.75%) is worse than 79.10% of its industry peers.
Industry RankSector Rank
ROA 0.47%
ROE 4.75%
ROIC N/A
ROA(3y)0.85%
ROA(5y)0.94%
ROE(3y)8.72%
ROE(5y)8.91%
ROIC(3y)N/A
ROIC(5y)N/A
HMNF Yearly ROA, ROE, ROICHMNF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8 10

1.3 Margins

HMNF's Profit Margin of 13.71% is on the low side compared to the rest of the industry. HMNF is outperformed by 77.36% of its industry peers.
In the last couple of years the Profit Margin of HMNF has declined.
The Operating Margin and Gross Margin are not available for HMNF so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 13.71%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-12.94%
PM growth 5Y-7.7%
GM growth 3YN/A
GM growth 5YN/A
HMNF Yearly Profit, Operating, Gross MarginsHMNF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30

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5

2. Health

2.1 Basic Checks

HMNF does not have a ROIC to compare to the WACC, probably because it is not profitable.
HMNF has less shares outstanding than it did 1 year ago.
HMNF has less shares outstanding than it did 5 years ago.
There is no outstanding debt for HMNF. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
HMNF Yearly Shares OutstandingHMNF Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 1M 2M 3M 4M
HMNF Yearly Total Debt VS Total AssetsHMNF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M 800M 1B

2.2 Solvency

HMNF has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC14.01%
HMNF Yearly LT Debt VS Equity VS FCFHMNF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M 80M 100M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
HMNF Yearly Current Assets VS Current LiabilitesHMNF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2M 4M 6M 8M

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1

3. Growth

3.1 Past

The earnings per share for HMNF have decreased strongly by -28.48% in the last year.
HMNF shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -4.31% yearly.
HMNF shows a decrease in Revenue. In the last year, the revenue decreased by -6.57%.
The Revenue has been growing slightly by 1.71% on average over the past years.
EPS 1Y (TTM)-28.48%
EPS 3Y-14.95%
EPS 5Y-4.31%
EPS Q2Q%-30.77%
Revenue 1Y (TTM)-6.57%
Revenue growth 3Y-4.05%
Revenue growth 5Y1.71%
Sales Q2Q%0.02%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
HMNF Yearly Revenue VS EstimatesHMNF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M 40M

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1

4. Valuation

4.1 Price/Earnings Ratio

HMNF is valuated rather expensively with a Price/Earnings ratio of 23.52.
Based on the Price/Earnings ratio, HMNF is valued more expensive than 81.59% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.85, HMNF is valued at the same level.
Industry RankSector Rank
PE 23.52
Fwd PE N/A
HMNF Price Earnings VS Forward Price EarningsHMNF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of HMNF indicates a somewhat cheap valuation: HMNF is cheaper than 71.14% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 9.11
EV/EBITDA N/A
HMNF Per share dataHMNF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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3

5. Dividend

5.1 Amount

HMNF has a Yearly Dividend Yield of 1.29%.
Compared to an average industry Dividend Yield of 3.41, HMNF is paying slightly less dividend.
With a Dividend Yield of 1.29, HMNF pays less dividend than the S&P500 average, which is at 2.36.
Industry RankSector Rank
Dividend Yield 1.29%

5.2 History

The dividend of HMNF decreases each year by -26.27%.
HMNF has paid a dividend for at least 10 years, which is a reliable track record.
HMNF has decreased its dividend recently.
Dividend Growth(5Y)-26.27%
Div Incr Years1
Div Non Decr Years1
HMNF Yearly Dividends per shareHMNF Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 0.05 0.1 0.15 0.2 0.25

5.3 Sustainability

28.27% of the earnings are spent on dividend by HMNF. This is a low number and sustainable payout ratio.
The Dividend Rate of HMNF has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP28.27%
EPS Next 2YN/A
EPS Next 3YN/A
HMNF Yearly Income VS Free CF VS DividendHMNF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M
HMNF Dividend Payout.HMNF Dividend Payout, showing the Payout Ratio.HMNF Dividend Payout.PayoutRetained Earnings

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HMN FINANCIAL INC

NASDAQ:HMNF (10/9/2024, 8:03:33 PM)

27.99

-0.61 (-2.13%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-17 2024-10-17/amc
Earnings (Next)N/A N/A
Inst Owners61.38%
Inst Owner Change0%
Ins Owners3.69%
Ins Owner Change0%
Market Cap124.84M
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.29%
Yearly Dividend0.29
Dividend Growth(5Y)-26.27%
DP28.27%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 23.52
Fwd PE N/A
P/S 3.27
P/FCF 9.11
P/OCF 8.81
P/B 1.13
P/tB 1.16
EV/EBITDA N/A
EPS(TTM)1.19
EY4.25%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)3.07
FCFY10.98%
OCF(TTM)3.18
OCFY11.35%
SpS8.57
BVpS24.74
TBVpS24.15
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.47%
ROE 4.75%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 13.71%
GM N/A
FCFM 35.86%
ROA(3y)0.85%
ROA(5y)0.94%
ROE(3y)8.72%
ROE(5y)8.91%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-12.94%
PM growth 5Y-7.7%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 24.39%
Cap/Sales 1.24%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 261.57%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC14.01%
ROIC/WACCN/A
Cap/Depr(3y)138.45%
Cap/Depr(5y)111.11%
Cap/Sales(3y)7.1%
Cap/Sales(5y)5.8%
Profit Quality(3y)239.76%
Profit Quality(5y)208.6%
High Growth Momentum
Growth
EPS 1Y (TTM)-28.48%
EPS 3Y-14.95%
EPS 5Y-4.31%
EPS Q2Q%-30.77%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-6.57%
Revenue growth 3Y-4.05%
Revenue growth 5Y1.71%
Sales Q2Q%0.02%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-44.49%
FCF growth 3Y-7.1%
FCF growth 5Y-3.23%
OCF growth 1Y-56.98%
OCF growth 3Y-6.87%
OCF growth 5Y-5.13%