HMN Financial Inc.
Find Ratings ReportsHMN FINANCIAL INC's gross profit margin for the first quarter of its fiscal year 2018 is essentially unchanged when compared to the same period a year ago. The company has grown sales and net income during the past quarter when compared with the same quarter a year ago, however, it was unable to keep up with the growth of the average competitor within its industry.
During the same period, stockholders' equity ("net worth") has increased by 6.01% from the same quarter last year.
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| Income Statement | Q1 FY18 | Q1 FY17 |
|---|---|---|
| Net Sales ($mil) | 8.93 | 8.54 |
| EBITDA ($mil) | 3.67 | 3.42 |
| EBIT ($mil) | 3.26 | 3.04 |
| Net Income ($mil) | 1.45 | 1.21 |
| Balance Sheet | Q1 FY18 | Q1 FY17 |
|---|---|---|
| Cash & Equiv. ($mil) | 26.58 | 12.49 |
| Total Assets ($mil) | 722.34 | 680.98 |
| Total Debt ($mil) | 0.0 | 7.0 |
| Equity ($mil) | 82.06 | 77.4 |
| Profitability | Q1 FY18 | Q1 FY17 |
|---|---|---|
| Gross Profit Margin | 96.14 | 98.38 |
| EBITDA Margin | 41.05 | 40.01 |
| Operating Margin | 36.48 | 35.54 |
| Sales Turnover | 0.05 | 0.05 |
| Return on Assets | 0.64 | 0.85 |
| Return on Equity | 5.64 | 7.47 |
| Debt | Q1 FY18 | Q1 FY17 |
|---|---|---|
| Current Ratio | 0.0 | 0.0 |
| Debt/Capital | 0.0 | 0.08 |
| Interest Expense | 0.0 | 0.0 |
| Interest Coverage | 0.0 | 0.0 |
| Share Data | Q1 FY18 | Q1 FY17 |
|---|---|---|
| Shares outstanding (mil) | 4.5 | 4.5 |
| Div / share | 0.0 | 0.0 |
| EPS | 0.29 | 0.25 |
| Book value / share | 18.22 | 17.22 |
| Institutional Own % | n/a | n/a |
| Avg Daily Volume | 4208.0 | 4729.0 |
BUY. This stock's P/E ratio indicates a discount compared to an average of 25.55 for the Thrifts & Mortgage Finance industry and a discount compared to the S&P 500 average of 25.32. Conducting a second comparison, its price-to-book ratio of 1.09 indicates a significant discount versus the S&P 500 average of 3.29 and a discount versus the industry average of 1.87. 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 |
|
Price/Cash Flow |
| |||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| HMNF 20.89 | Peers 25.55 | HMNF 5.31 | Peers 15.02 | |||||||||||||||||||||
|
Discount. A lower P/E ratio than its peers can signify a less expensive stock or lower growth expectations. HMNF is trading at a 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. |
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| Price/Projected Earnings |
|
Price to Earnings/Growth |
|
|||||||||||||||||||||
| HMNF NA | Peers 19.39 | HMNF NA | Peers 1.57 | |||||||||||||||||||||
|
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. |
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| Price/Book |
|
Earnings Growth |
|
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| HMNF 1.09 | Peers 1.87 | HMNF -21.49 | Peers 4.17 | |||||||||||||||||||||
|
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. |
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| Price/Sales |
|
Sales Growth |
|
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| HMNF 2.50 | Peers 4.39 | HMNF -0.23 | Peers 13.87 | |||||||||||||||||||||
|
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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