HMN Financial Inc

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HMNF : NASDAQ : Financial
$18.0 | %
Today's Range: 0.0 - 0.0
Avg. Daily Volume: 1200.0
07/24/17 - 3:35 PM ET

Financial Analysis


HMN FINANCIAL INC's gross profit margin for the first quarter of its fiscal year 2017 has decreased when compared to the same period a year ago. Even though sales increased, the net income has decreased.

During the same period, stockholders' equity ("net worth") has increased by 7.96% from the same quarter last year.

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Income Statement Q1 FY17 Q1 FY16
Net Sales ($mil)8.548.28
EBITDA ($mil)3.423.95
EBIT ($mil)3.043.61
Net Income ($mil)1.221.77


Balance Sheet Q1 FY17 Q1 FY16
Cash & Equiv. ($mil)12.4913.77
Total Assets ($mil)680.98638.16
Total Debt ($mil)7.09.0
Equity ($mil)77.471.69


Profitability Q1 FY17 Q1 FY16
Gross Profit Margin98.4104.32
EBITDA Margin40.0447.74
Operating Margin35.5743.56
Sales Turnover0.050.05
Return on Assets0.850.66
Return on Equity7.485.95
Debt Q1 FY17 Q1 FY16
Current Ratio0.00.0
Debt/Capital0.080.11
Interest Expense0.00.0
Interest Coverage0.00.0


Share Data Q1 FY17 Q1 FY16
Shares outstanding (mil)4.54.49
Div / share0.00.0
EPS0.250.38
Book value / share17.2215.98
Institutional Own % n/a n/a
Avg Daily Volume1568.01873.0

Valuation


BUY. This stock's P/E ratio indicates a discount compared to an average of 24.21 for the Thrifts & Mortgage Finance industry and a significant discount compared to the S&P 500 average of 24.66. Conducting a second comparison, its price-to-book ratio of 1.02 indicates a significant discount versus the S&P 500 average of 3.07 and a discount versus the industry average of 1.74. The price-to-sales ratio is similar to the S&P 500 average, but it is significantly below the industry average, indicating a discount. 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 14.55 Peers 24.21   HMNF 3.12 Peers 17.36

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.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
1 2 3 4 5
premium   discount
HMNF NA Peers 21.96   HMNF NA Peers 1.95

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 1.02 Peers 1.74   HMNF 31.52 Peers 201.23

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 2.21 Peers 4.54   HMNF 16.96 Peers 12.26

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.

 

Higher. A sales growth rate that exceeds the industry implies that a company is gaining market share.

HMNF has a sales growth rate that significantly exceeds its peers.

 

 

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