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Updated 2y ago
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HMN Financial, Inc.NasdaqGM:HMNF Stock Report

Market Cap US$121.9m
Updated 2y ago
Share Price
n/a
1Y48.1%
7D-0.9%
1D-2.1%
Portfolio Value
​
View

HMN Financial, Inc.

NasdaqGM:HMNF Stock Report

Market Cap: US$121.9m

  • Company Overview
    • Valuation
    • Future Growth
    • Past Performance
    • Financial Health
    • Dividend
  • Management
  • Ownership
  • Other Information
  • Stock Community

This company has been acquired

The company may no longer be operating, as it has been acquired. Find out why through their latest events.

HMN Financial (HMNF) Stock Overview

Operates as a bank holding company for Home Federal Savings Bank that provides various retail banking products and services. More details

HMNF fundamental analysis
Snowflake Score
Valuation2/6
Future Growth0/6
Past Performance1/6
Financial Health6/6
Dividends2/6

Rewards

Trading at 27% below our estimate of its fair value

Risk Analysis

Earnings have declined by 7.3% per year over past 5 years

Unstable dividend track record


HMNF Community Fair Values

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US$
Current Price
US$27.9933.2% overvalued intrinsic discount
%/yr
Decrease
Increase
PastFuture047m2016201920222025202620282031Revenue US$37.9mEarnings US$5.2m
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HMN Financial, Inc. Competitors

Eagle Bancorp Montana

Symbol: NasdaqGM:EBMT
Market cap: US$175.3m

SB Financial Group

Symbol: NasdaqCM:SBFG
Market cap: US$182.2m

Pacific Financial

Symbol: OTCPK:PFLC
Market cap: US$185.9m

Embassy Bancorp

Symbol: OTCPK:EMYB
Market cap: US$163.0m

Price History & Performance

Summary of share price highs, lows and changes for HMN Financial
Historical stock prices
Current Share PriceUS$27.99
52 Week HighUS$29.40
52 Week LowUS$17.60
Beta0.21
1 Month Change12.05%
3 Month Change15.66%
1 Year Change48.10%
3 Year Change19.56%
5 Year Change32.53%
Change since IPO226.10%

Recent News & Updates

Recent updates

Analysis Article • Apr 28

HMN Financial (NASDAQ:HMNF) Is Increasing Its Dividend To $0.10

The board of HMN Financial, Inc. ( NASDAQ:HMNF ) has announced that it will be increasing its dividend by 25% on the...
Analysis Article • Feb 01

HMN Financial (NASDAQ:HMNF) Is Paying Out A Dividend Of $0.06

HMN Financial, Inc. ( NASDAQ:HMNF ) will pay a dividend of $0.06 on the 8th of March. This payment means the dividend...
Seeking Alpha • Jul 22

HMN Financial GAAP EPS of $0.52, revenue of $10.29M

HMN Financial press release (NASDAQ:HMNF): Q2 GAAP EPS of $0.52. Revenue of $10.29M (-17.0% Y/Y).
Analysis Article • Apr 21

Here's Why HMN Financial, Inc.'s (NASDAQ:HMNF) CEO Compensation Is The Least Of Shareholders' Concerns

Performance at HMN Financial, Inc. ( NASDAQ:HMNF ) has been reasonably good and CEO Brad Krehbiel has done a decent job...
Analysis Article • Mar 18

This Insider Has Just Sold Shares In HMN Financial, Inc. (NASDAQ:HMNF)

We note that the HMN Financial, Inc. ( NASDAQ:HMNF ) Senior VP, Jon Eberle, recently sold US$53k worth of stock for...
Analysis Article • Feb 27

Introducing HMN Financial (NASDAQ:HMNF), A Stock That Climbed 80% In The Last Five Years

The main point of investing for the long term is to make money. Better yet, you'd like to see the share price move up...
Analysis Article • Jan 22

Are Insiders Buying HMN Financial, Inc. (NASDAQ:HMNF) Stock?

We often see insiders buying up shares in companies that perform well over the long term. On the other hand, we'd be...
Analysis Article • Dec 01

A Look At HMN Financial's (NASDAQ:HMNF) CEO Remuneration

Brad Krehbiel became the CEO of HMN Financial, Inc. (NASDAQ:HMNF) in 2012, and we think it's a good time to look at...

Shareholder Returns

HMNFUS BanksUS Market
7D-0.9%-0.7%-0.9%
1Y48.1%17.8%13.9%

Return vs Industry: HMNF exceeded the US Banks industry which returned 43.1% over the past year.

Return vs Market: HMNF exceeded the US Market which returned 31% over the past year.

Price Volatility

Is HMNF's price volatile compared to industry and market?
HMNF volatility
HMNF Average Weekly Movement5.4%
Banks Industry Average Movement3.1%
Market Average Movement6.9%
10% most volatile stocks in US Market15.3%
10% least volatile stocks in US Market2.9%

Stable Share Price: HMNF has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: HMNF's weekly volatility (5%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1934161Brad Krehbielwww.justcallhome.com

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, interest bearing checking, non-interest-bearing checking, money market, individual retirement, and certificate accounts. It also provides various loan products comprising single family residential loans; commercial real estate and multi-family mortgage loans; construction loans; consumer loans, such as home equity, automobile, recreational vehicle, mobile home, and lot loans, as well as loans secured by deposit accounts, and other loans for household and personal purposes; and commercial business loans.

HMN Financial, Inc. Fundamentals Summary

How do HMN Financial's earnings and revenue compare to its market cap?
HMNF fundamental statistics
Market capUS$121.91m
Earnings (TTM)US$5.24m
Revenue (TTM)US$38.26m
23.3x
P/E Ratio
1.1x
P/B Ratio

Is HMNF overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
HMNF income statement (TTM)
RevenueUS$38.26m
Cost of RevenueUS$0
Gross ProfitUS$38.26m
Other ExpensesUS$33.02m
EarningsUS$5.24m

Last Reported Earnings

Jun 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)1.20
Gross Margin100.00%
Net Profit Margin13.69%
Debt/Equity Ratio9.8%

How did HMNF perform over the long term?

See historical performance and comparison

Dividends

1.4%
Current Dividend Yield
28%
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/10/11 17:57
End of Day Share Price 2024/10/09 00:00
Earnings2024/06/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
  • SEC Form 10-K
  • SEC Form 10-Q
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
  • Analyst Research Reports
  • Blue Matrix
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
  • ICE Market Data
  • SEC Form S-1
Ownership10 years
  • Top shareholders
  • Insider trading
  • SEC Form 4
  • SEC Form 13D
Management10 years
  • Leadership team
  • Board of directors
  • SEC Form 10-K
  • SEC Form DEF 14A
Key Developments10 years
  • Company announcements
  • SEC Form 8-K

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

HMN Financial, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

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