HMN Financial, Inc. operates as a bank holding company for Home Federal Savings Bank that provides various retail banking products and services.
No risks detected for HMNF from our risk checks.
Share Price & News
How has HMN Financial's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: HMNF is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: HMNF's weekly volatility (3%) has been stable over the past year.
7 Day Return
1 Year Return
Return vs Industry: HMNF exceeded the US Mortgage industry which returned 12.6% over the past year.
Return vs Market: HMNF exceeded the US Market which returned 33.6% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is HMN Financial's share price compared to the market and industry in the last 5 years?
Simply Wall St News
3 months ago | Simply Wall StThe HMN Financial (NASDAQ:HMNF) Share Price Has Gained 52% And Shareholders Are Hoping For More
4 months ago | Simply Wall StHere's Why HMN Financial, Inc.'s (NASDAQ:HMNF) CEO Compensation Is The Least Of Shareholders' Concerns
6 months ago | Simply Wall StThis Insider Has Just Sold Shares In HMN Financial, Inc. (NASDAQ:HMNF)
HMN Financial Fundamentals Summary
|HMNF fundamental statistics|
Is HMNF overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|HMNF income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
|Earnings per share (EPS)||3.10|
|Net Profit Margin||30.43%|
How did HMNF perform over the long term?See historical performance and comparison
Is HMN Financial undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: HMNF ($23.36) is trading below our estimate of fair value ($35.75)
Significantly Below Fair Value: HMNF is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: HMNF is good value based on its PE Ratio (7.4x) compared to the US Mortgage industry average (12.1x).
PE vs Market: HMNF is good value based on its PE Ratio (7.4x) compared to the US market (17.8x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate HMNF's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: HMNF's PB Ratio (1x) is in line with the US Mortgage industry average.
How is HMN Financial forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as HMN Financial has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
How has HMN Financial performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: HMNF has high quality earnings.
Growing Profit Margin: HMNF's current net profit margins (30.4%) are higher than last year (19.3%).
Past Earnings Growth Analysis
Earnings Trend: HMNF's earnings have grown by 17.8% per year over the past 5 years.
Accelerating Growth: HMNF's earnings growth over the past year (91.8%) exceeds its 5-year average (17.8% per year).
Earnings vs Industry: HMNF earnings growth over the past year (91.8%) exceeded the Mortgage industry 36.9%.
Return on Equity
High ROE: HMNF's Return on Equity (13.1%) is considered low.
How is HMN Financial's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: HMNF's Assets to Equity ratio (9.1x) is low.
Allowance for Bad Loans: HMNF has a sufficient allowance for bad loans (566%).
Low Risk Liabilities: 99% of HMNF's liabilities are made up of primarily low risk sources of funding.
Loan Level: HMNF has an appropriate level of Loans to Assets ratio (65%).
Low Risk Deposits: HMNF's Loans to Deposits ratio (74%) is appropriate.
Level of Bad Loans: HMNF has an appropriate level of bad loans (0.3%).
What is HMN Financial current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate HMNF's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate HMNF's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if HMNF's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if HMNF's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of HMNF's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Brad Krehbiel (62 yo)
Mr. Bradley C. Krehbiel, also known as Brad, has been the Chief Executive Officer at HMN Financial, Inc. since April 2012 and has been its President since April 2010. Mr. Krehbiel has been President of Hom...
CEO Compensation Analysis
Compensation vs Market: Brad's total compensation ($USD512.33K) is about average for companies of similar size in the US market ($USD547.94K).
Compensation vs Earnings: Brad's compensation has been consistent with company performance over the past year.
Experienced Management: HMNF's management team is seasoned and experienced (11.6 years average tenure).
Experienced Board: HMNF's board of directors are considered experienced (7.5 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
HMN Financial, Inc.'s company bio, employee growth, exchange listings and data sources
- Name: HMN Financial, Inc.
- Ticker: HMNF
- Exchange: NasdaqGM
- Founded: 1934
- Industry: Thrifts and Mortgage Finance
- Sector: Banks
- Market Cap: US$104.195m
- Shares outstanding: 4.46m
- Website: https://www.justcallhome.com/hmn-financial-inc
Number of Employees
- HMN Financial, Inc.
- 1016 Civic Center Drive Northwest
- United States
HMN Financial, Inc. operates as a bank holding company for Home Federal Savings Bank that provides various retail banking products and services. The company offers various deposit accounts, such as savings...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/09/18 00:48|
|End of Day Share Price||2021/09/17 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.