This company has been acquired
HMN Financial Balance Sheet Health
Financial Health criteria checks 6/6
HMN Financial has total assets of $1.1B and total equity of $110.3M. Total deposits are $983.2M, and total loans are $864.7M. It earns a Net Interest Margin of 2.8%. It has sufficient allowance for bad loans, which are currently at 0.4% of total loans. Cash and short-term investments are $13.7M.
Key information
10.1x
Asset to equity ratio
2.8%
Net interest margin
| Total deposits | US$983.24m |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.4% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$13.66m |
Recent financial health updates
No updates
Recent updates
HMN Financial (NASDAQ:HMNF) Is Increasing Its Dividend To $0.10
Apr 28
HMN Financial (NASDAQ:HMNF) Is Paying Out A Dividend Of $0.06
Feb 01HMN Financial GAAP EPS of $0.52, revenue of $10.29M
Jul 22Here's Why HMN Financial, Inc.'s (NASDAQ:HMNF) CEO Compensation Is The Least Of Shareholders' Concerns
Apr 21This Insider Has Just Sold Shares In HMN Financial, Inc. (NASDAQ:HMNF)
Mar 18Introducing HMN Financial (NASDAQ:HMNF), A Stock That Climbed 80% In The Last Five Years
Feb 27Are Insiders Buying HMN Financial, Inc. (NASDAQ:HMNF) Stock?
Jan 22
A Look At HMN Financial's (NASDAQ:HMNF) CEO Remuneration
Dec 01Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: HMNF's Assets to Equity ratio (10.1x) is moderate.
Allowance for Bad Loans: HMNF has a sufficient allowance for bad loans (354%).
Low Risk Liabilities: 98% 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 (78%).
Low Risk Deposits: HMNF's Loans to Deposits ratio (88%) is appropriate.
Level of Bad Loans: HMNF has an appropriate level of bad loans (0.4%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/10/11 09:18 |
| End of Day Share Price | 2024/10/09 00:00 |
| Earnings | 2024/06/30 |
| Annual Earnings | 2023/12/31 |
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.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* 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
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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 1 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.
| Analyst | Institution |
|---|---|
| Jason Werner | Howe Barnes Hoefer & Arnett, Inc. |