HMN FINANCIAL INC (HMNF) Fundamental Analysis & Valuation

NASDAQ:HMNF • US40424G1085

Current stock price

27.99 USD
-0.61 (-2.13%)
Last:

This HMNF fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. HMNF Profitability Analysis

1.1 Basic Checks

  • HMNF had positive earnings in the past year.
  • HMNF had a positive operating cash flow in the past year.
  • Each year in the past 5 years HMNF has been profitable.
  • HMNF had a positive operating cash flow in each of the past 5 years.
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 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M

1.2 Ratios

  • With a Return On Assets value of 0.47%, HMNF is not doing good in the industry: 74.88% of the companies in the same industry are doing better.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8 10

1.3 Margins

  • HMNF has a worse Profit Margin (13.71%) than 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 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30

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4

2. HMNF Health Analysis

2.1 Basic Checks

  • HMNF does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, HMNF has less shares outstanding
  • 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 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 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M 800M 1B

2.2 Solvency

  • 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.
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 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 2016 2017 2018 2019 2020 2021 2022 2023 2M 4M 6M 8M

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1

3. HMNF Growth Analysis

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.
  • Looking at the last year, HMNF shows a decrease in Revenue. The Revenue has decreased by -6.57% in the last year.
  • 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M 40M

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1

4. HMNF Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 23.52 indicates a rather expensive valuation of HMNF.
  • Based on the Price/Earnings ratio, HMNF is valued more expensive than 81.59% of the companies in the same industry.
  • HMNF is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 25.23, which is the current average of the S&P500 Index.
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

  • 71.14% of the companies in the same industry are more expensive than HMNF, based on the Price/Free Cash Flow ratio.
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. HMNF Dividend Analysis

5.1 Amount

  • HMNF has a Yearly Dividend Yield of 1.29%.
  • HMNF's Dividend Yield is slightly below the industry average, which is at 2.80.
  • Compared to the average S&P500 Dividend Yield of 1.89, HMNF is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.29%

5.2 History

  • The dividend of HMNF decreases each year by -26.27%.
  • HMNF has been paying a dividend for at least 10 years, so it has 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

  • HMNF pays out 28.27% of its income as dividend. This is a sustainable payout ratio.
  • HMNF's earnings and Dividend Rate are 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 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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HMNF Fundamentals: All Metrics, Ratios and Statistics

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
Earnings (Next)N/A
Inst Owners61.38%
Inst Owner Change0%
Ins Owners3.69%
Ins Owner Change0%
Market Cap124.84M
Revenue(TTM)38.21M
Net Income(TTM)5.24M
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
Graham NumberN/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
ROICexgc growth 3YN/A
ROICexgc 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%

HMN FINANCIAL INC / HMNF Fundamental Analysis FAQ

What is the fundamental rating for HMNF stock?

ChartMill assigns a fundamental rating of 3 / 10 to HMNF.


What is the valuation status of HMN FINANCIAL INC (HMNF) stock?

ChartMill assigns a valuation rating of 2 / 10 to HMN FINANCIAL INC (HMNF). This can be considered as Overvalued.


How profitable is HMN FINANCIAL INC (HMNF) stock?

HMN FINANCIAL INC (HMNF) has a profitability rating of 2 / 10.


Can you provide the PE and PB ratios for HMNF stock?

The Price/Earnings (PE) ratio for HMN FINANCIAL INC (HMNF) is 23.52 and the Price/Book (PB) ratio is 1.13.


Can you provide the dividend sustainability for HMNF stock?

The dividend rating of HMN FINANCIAL INC (HMNF) is 3 / 10 and the dividend payout ratio is 28.27%.