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HMN Financial Inc
HMNF : NASDAQ : Financial
$12.02 up0.04 | 0.31%
Today's Range: 12.00 - 12.06
Avg. Daily Volume: 1,900
11/27/15 - 11:39 AM ET

Financial Analysis

HMN FINANCIAL INC's gross profit margin for the third quarter of its fiscal year 2015 has decreased when compared to the same period a year ago. Even though sales increased, the net income has decreased, representing a decrease to the bottom line.

During the same period, stockholders' equity ("net worth") has decreased by 14.76% from the same quarter last year.

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Income Statement Q3 FY15 Q3 FY14
Net Sales ($mil)7.337.33
EBITDA ($mil)2.763.93
EBIT ($mil)2.413.65
Net Income ($mil)0.821.54

Balance Sheet Q3 FY15 Q3 FY14
Cash & Equiv. ($mil)10.3657.18
Total Assets ($mil)618.92594.43
Total Debt ($mil)10.00.0
Equity ($mil)68.7180.61

Profitability Q3 FY15 Q3 FY14
Gross Profit Margin95.35109.45
EBITDA Margin37.5853.62
Operating Margin32.949.79
Sales Turnover0.040.05
Return on Assets0.574.0
Return on Equity4.5727.11
Debt Q3 FY15 Q3 FY14
Current Ratio0.00.0
Interest Expense0.00.0
Interest Coverage0.00.0

Share Data Q3 FY15 Q3 FY14
Shares outstanding (mil)4.484.47
Div / share0.00.0
Book value / share15.3318.03
Institutional Own % n/a n/a
Avg Daily Volume2307.02175.0


HOLD. The current P/E ratio indicates a significant discount compared to an average of 27.69 for the Thrifts & Mortgage Finance industry and a discount compared to the S&P 500 average of 21.93. Conducting a second comparison, its price-to-book ratio of 0.77 indicates a significant discount versus the S&P 500 average of 2.77 and a discount versus the industry average of 1.59. The price-to-sales ratio is above the S&P 500 average, but well below the industry average. Upon assessment of these and other key valuation criteria, HMN FINANCIAL INC proves to trade at a discount to investment alternatives within the industry.

1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
HMNF 17.20 Peers 27.69   HMNF 5.34 Peers 20.87

Discount. A lower P/E ratio than its peers can signify a less expensive stock or lower growth expectations.

HMNF is trading at a significant discount to its peers.


Discount. The P/CF ratio, a stock’s price divided by the company's cash flow from operations, is useful for comparing companies with different capital requirements or financing structures.

HMNF is trading at a significant discount to its peers.

1 2 3 4 5
premium   discount
  Price to
1 2 3 4 5
premium   discount
HMNF NA Peers 24.03   HMNF NA Peers 6.46

Neutral. A lower price-to-projected earnings ratio than its peers can signify a less expensive stock or lower future growth potential.

Ratio not available.


Neutral. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples.

Ratio not available.

1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
HMNF 0.77 Peers 1.59   HMNF -85.81 Peers 81.79

Discount. A lower price-to-book ratio makes a stock more attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet.

HMNF is trading at a significant discount to its peers.


Lower. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios.

However, HMNF is expected to significantly trail its peers on the basis of its earnings growth rate.

1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
HMNF 1.94 Peers 4.54   HMNF -1.77 Peers 10.73

Discount. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales.

HMNF is trading at a significant discount to its industry on this measurement.


Lower. A sales growth rate that trails the industry implies that a company is losing market share.

HMNF significantly trails its peers on the basis of sales growth



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