HMN Financial Inc

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HMNF : NASDAQ : Financial
$13.51 | %
Today's Range: 13.51 - 13.51
Avg. Daily Volume: 2,600
07/22/16 - 11:05 AM ET

Financial Analysis


HMN FINANCIAL INC's gross profit margin for the first quarter of its fiscal year 2016 has increased when compared to the same period a year ago. The company has grown sales and net income significantly, outpacing the average growth rates of competitors within its industry.

During the same period, stockholders' equity ("net worth") has increased by 7.35% from the same quarter last year.

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Income Statement Q1 FY16 Q1 FY15
Net Sales ($mil)8.286.48
EBITDA ($mil)3.951.83
EBIT ($mil)3.611.52
Net Income ($mil)1.770.46


Balance Sheet Q1 FY16 Q1 FY15
Cash & Equiv. ($mil)13.7722.94
Total Assets ($mil)638.16565.49
Total Debt ($mil)9.010.0
Equity ($mil)71.6966.78


Profitability Q1 FY16 Q1 FY15
Gross Profit Margin104.3294.97
EBITDA Margin47.7428.19
Operating Margin43.5623.5
Sales Turnover0.050.05
Return on Assets0.661.09
Return on Equity5.957.37
Debt Q1 FY16 Q1 FY15
Current Ratio0.00.0
Debt/Capital0.110.13
Interest Expense0.00.0
Interest Coverage0.00.0


Share Data Q1 FY16 Q1 FY15
Shares outstanding (mil)4.494.48
Div / share0.00.0
EPS0.380.08
Book value / share15.9814.91
Institutional Own % n/a n/a
Avg Daily Volume2584.02752.0

Valuation


BUY. HMN FINANCIAL INC's P/E ratio indicates a significant discount compared to an average of 26.99 for the Thrifts & Mortgage Finance industry and a significant discount compared to the S&P 500 average of 25.05. Conducting a second comparison, its price-to-book ratio of 0.85 indicates a significant discount versus the S&P 500 average of 2.81 and a discount versus the industry average of 1.41. 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 14.79 Peers 26.99   HMNF 4.09 Peers 21.22

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 23.19   HMNF NA Peers 3.06

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 0.85 Peers 1.41   HMNF -14.02 Peers 50.33

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 1.99 Peers 4.32   HMNF 12.30 Peers 11.42

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.

 

Average. Comparing a company's sales growth to its industry helps to determine if the company is adding or losing market share.

HMNF is keeping pace with its peers on the basis of sales growth.

 

 

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