HMN Financial Inc

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HMNF : NASDAQ : Financial
$17.7 | %
Today's Range: 17.7 - 17.95
Avg. Daily Volume: 3400.0
01/20/17 - 3:45 PM ET

Financial Analysis


HMN FINANCIAL INC's gross profit margin for the third quarter of its fiscal year 2016 is essentially unchanged when compared to the same period a year ago. The company managed to grow both sales and net income at a faster pace than the average competitor in its industry this quarter as compared to the same quarter a year ago.

During the same period, stockholders' equity ("net worth") has increased by 8.91% from the same quarter last year.

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Income Statement Q3 FY16 Q3 FY15
Net Sales ($mil)9.17.33
EBITDA ($mil)3.92.76
EBIT ($mil)3.492.41
Net Income ($mil)1.410.82


Balance Sheet Q3 FY16 Q3 FY15
Cash & Equiv. ($mil)34.5910.36
Total Assets ($mil)685.67618.92
Total Debt ($mil)9.010.0
Equity ($mil)74.8368.71


Profitability Q3 FY16 Q3 FY15
Gross Profit Margin94.6895.35
EBITDA Margin42.837.58
Operating Margin38.3732.9
Sales Turnover0.050.04
Return on Assets0.830.57
Return on Equity7.694.57
Debt Q3 FY16 Q3 FY15
Current Ratio0.00.0
Debt/Capital0.110.13
Interest Expense0.00.0
Interest Coverage0.00.0


Share Data Q3 FY16 Q3 FY15
Shares outstanding (mil)4.494.48
Div / share0.00.0
EPS0.30.18
Book value / share16.6715.33
Institutional Own % n/a n/a
Avg Daily Volume3294.03352.0

Valuation


BUY. HMN FINANCIAL INC's P/E ratio indicates a significant discount compared to an average of 27.27 for the Thrifts & Mortgage Finance industry and a significant discount compared to the S&P 500 average of 25.49. Conducting a second comparison, its price-to-book ratio of 1.07 indicates a significant discount versus the S&P 500 average of 2.84 and a discount versus the industry average of 1.65. 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 14.59 Peers 27.27   HMNF 4.27 Peers 26.40

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 24.64   HMNF NA Peers 4.54

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 1.07 Peers 1.65   HMNF 76.81 Peers -5.69

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.

 

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

HMNF is expected to have an earnings growth rate that significantly exceeds its peers.

 
Price/Sales
1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
HMNF 2.30 Peers 4.77   HMNF 26.40 Peers 10.92

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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