HMN FINANCIAL INC (HMNF)
US40424G1085 - Common Stock
We assign a fundamental rating of 3 out of 10 to HMNF. HMNF was compared to 412 industry peers in the Banks industry. While HMNF seems to be doing ok healthwise, there are quite some concerns on its profitability. HMNF is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year HMNF was profitable.
In the past year HMNF had a positive cash flow from operations.
Each year in the past 5 years HMNF has been profitable.
In the past 5 years HMNF always reported a positive cash flow from operatings.
1.2 Ratios
HMNF's Return On Assets of 0.54% is on the low side compared to the rest of the industry. HMNF is outperformed by 76.94% of its industry peers.
Looking at the Return On Equity, with a value of 5.58%, HMNF is doing worse than 77.91% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.54% | ||
| ROE | 5.58% | ||
| 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
1.3 Margins
HMNF's Profit Margin of 15.38% is on the low side compared to the rest of the industry. HMNF is outperformed by 79.13% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 15.38% | ||
| 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
2. Health
2.1 Basic Checks
HMNF does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for HMNF has been reduced compared to 1 year ago.
HMNF has less shares outstanding than it did 5 years ago.
HMNF has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.62%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for HMNF have decreased strongly by -26.09% in the last year.
HMNF shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -4.34% yearly.
Looking at the last year, HMNF shows a decrease in Revenue. The Revenue has decreased by -5.12% in the last year.
The Revenue has been growing slightly by 1.71% on average over the past years.
EPS 1Y (TTM)-26.09%
EPS 3Y-14.99%
EPS 5Y-4.34%
EPS growth Q2Q-41.07%
Revenue 1Y (TTM)-5.12%
Revenue growth 3Y-4.05%
Revenue growth 5Y1.71%
Revenue growth Q2Q-13.83%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 14.30, the valuation of HMNF can be described as correct.
Based on the Price/Earnings ratio, HMNF is valued a bit more expensive than 77.18% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 28.28, HMNF is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.3 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, HMNF is valued a bit cheaper than 74.76% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.68 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
HMNF has a Yearly Dividend Yield of 1.75%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.78, HMNF is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 2.41, HMNF is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.75% |
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.
The dividend of HMNF decreased recently.
Dividend Growth(5Y)-26.27%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
21.75% of the earnings are spent on dividend by HMNF. This is a low number and sustainable payout ratio.
HMNF's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP21.75%
EPS Next 2YN/A
EPS Next 3YN/A
HMN FINANCIAL INC
NASDAQ:HMNF (5/3/2024, 7:00:01 PM)
19.45
-0.03 (-0.15%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap86.75M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.75% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.3 | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.54% | ||
| ROE | 5.58% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 15.38% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-26.09%
EPS 3Y-14.99%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-5.12%
Revenue growth 3Y-4.05%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y