HMN FINANCIAL INC(NASDAQ:HMNF) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to HMNF. HMNF was compared to 405 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.

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1. Profitability

1.1 Basic Checks

HMNF had positive earnings in the past year.

HMNF had a positive operating cash flow in the past year.

In the past 5 years HMNF has always 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 0.47% is on the low side compared to the rest of the industry. HMNF is outperformed by 74.88% of its industry peers.

Looking at the Return On Equity, with a value of 4.75%, HMNF is doing worse than 79.10% of the companies in the same industry.

		Industry Rank	Sector 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

1.3 Margins

The Profit Margin of HMNF (13.71%) is worse than 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 Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

HMNF does not have a ROIC to compare to the WACC, probably because it is not profitable.

HMNF has less shares outstanding than it did 1 year ago.

HMNF has less shares outstanding than it did 5 years ago.

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.

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

WACC14.01%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

HMNF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -28.48%.

The Earnings Per Share has been decreasing by -4.31% on average over the past years.

The Revenue has decreased by -6.57% in the past year.

HMNF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.71% yearly.

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 23.52, which indicates a rather expensive current valuation of HMNF.

Based on the Price/Earnings ratio, HMNF is valued expensively inside the industry as 81.59% of the companies are valued cheaper.

The average S&P500 Price/Earnings ratio is at 29.63. HMNF is valued slightly cheaper when compared to this.

		Industry Rank	Sector Rank
PE	23.52
Fwd PE	N/A

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of HMNF indicates a somewhat cheap valuation: HMNF is cheaper than 71.14% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	9.11
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

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.29%, HMNF has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 3.18, HMNF is paying slightly less dividend.

Compared to an average S&P500 Dividend Yield of 2.27, HMNF's dividend is way lower than the S&P500 average.

		Industry Rank	Sector 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.

HMNF has decreased its dividend recently.

Dividend Growth(5Y)-26.27%

Div Incr Years1

Div Non Decr Years1

5.3 Sustainability

HMNF pays out 28.27% of its income as dividend. This is a 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

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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 Change-98.89%

Ins Owners3.69%

Ins Owner Change-298.67%

Market Cap124.84M

Analysts0

Price TargetN/A

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector 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 Rank	Sector 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

Profitability

		Industry Rank	Sector 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

ROICexcg growth 3YN/A

ROICexcg 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 Rank	Sector 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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens