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HMN Financial Inc
HMNF : NASDAQ : Financial
$10.87 -0.38 | -3.38%
Today's Range: 10.85 - 11.19
Avg. Daily Volume: 4,700
02/11/16 - 12:22 PM ET

Financial Analysis


HMN FINANCIAL INC's gross profit margin for the fourth quarter of its fiscal year 2015 has significantly 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 8.37% from the same quarter last year.

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Income Statement Q4 FY15 Q4 FY14
Net Sales ($mil)8.076.72
EBITDA ($mil)3.174.24
EBIT ($mil)3.173.95
Net Income ($mil)1.091.68


Balance Sheet Q4 FY15 Q4 FY14
Cash & Equiv. ($mil)39.7846.63
Total Assets ($mil)643.16577.43
Total Debt ($mil)9.00.0
Equity ($mil)69.6576.01


Profitability Q4 FY15 Q4 FY14
Gross Profit Margin94.2128.99
EBITDA Margin39.3163.09
Operating Margin39.3258.75
Sales Turnover0.040.05
Return on Assets0.451.27
Return on Equity4.087.45
Debt Q4 FY15 Q4 FY14
Current Ratio0.00.0
Debt/Capital0.110.0
Interest Expense0.00.0
Interest Coverage0.00.0


Share Data Q4 FY15 Q4 FY14
Shares outstanding (mil)4.484.47
Div / share0.00.0
EPS0.230.3
Book value / share15.5417.01
Institutional Own % n/a n/a
Avg Daily Volume4256.02359.0

Valuation


HOLD. This stock's P/E ratio indicates a discount compared to an average of 27.74 for the Thrifts & Mortgage Finance industry and a discount compared to the S&P 500 average of 21.13. Conducting a second comparison, its price-to-book ratio of 0.74 indicates a significant discount versus the S&P 500 average of 2.51 and a discount versus the industry average of 1.32. 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.


Price/Earnings
1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
HMNF 18.56 Peers 27.74   HMNF NA Peers 17.89

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.

 

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

Ratio not available.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
1 2 3 4 5
premium   discount
HMNF NA Peers 21.67   HMNF NA Peers 7.54

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.

 
Price/Book
1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
HMNF 0.74 Peers 1.32   HMNF -49.60 Peers 51.67

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.

 
Price/Sales
1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
HMNF 1.79 Peers 4.07   HMNF 3.29 Peers 11.30

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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