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HMN FINANCIAL INC (HMNF) Stock Fundamental Analysis

USA - NASDAQ:HMNF - US40424G1085 - Common Stock

27.99 USD
-0.61 (-2.13%)
Last: 10/9/2024, 8:03:33 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to HMNF. HMNF was compared to 390 industry peers in the Banks industry. HMNF scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. HMNF has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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2

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.
HMNF had positive earnings in each of the past 5 years.
Each year in the past 5 years HMNF had a positive operating cash flow.
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

The Return On Assets of HMNF (0.47%) is worse than 74.88% of its industry peers.
HMNF's Return On Equity of 4.75% is on the low side compared to the rest of the industry. HMNF is outperformed by 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.
HMNF does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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.
The number of shares outstanding for HMNF has been reduced compared to 1 year ago.
Compared to 5 years 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 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

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 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%.
Measured over the past years, HMNF shows a small growth in Revenue. The Revenue has been growing by 1.71% on average per year.
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

Based on the Price/Earnings ratio of 23.52, the valuation of HMNF can be described as rather expensive.
81.59% of the companies in the same industry are cheaper than HMNF, based on the Price/Earnings ratio.
HMNF's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 25.67.
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

Based on the Price/Free Cash Flow ratio, HMNF is valued a bit cheaper than 71.14% of the companies 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 3.42, 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 2.40.
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.
The dividend of HMNF decreased 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
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 FAQ

What is the fundamental rating for HMNF stock?

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


Can you provide the valuation status for HMN FINANCIAL INC?

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.


What are the PE and PB ratios of HMN FINANCIAL INC (HMNF) stock?

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


Is the dividend of HMN FINANCIAL INC sustainable?

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