HMN Financial Inc
Find Ratings ReportsHMN 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 ($mil) | 8.54 | 8.28 |
| EBITDA ($mil) | 3.42 | 3.95 |
| EBIT ($mil) | 3.04 | 3.61 |
| Net Income ($mil) | 1.22 | 1.77 |
| Balance Sheet | Q1 FY17 | Q1 FY16 |
|---|---|---|
| Cash & Equiv. ($mil) | 12.49 | 13.77 |
| Total Assets ($mil) | 680.98 | 638.16 |
| Total Debt ($mil) | 7.0 | 9.0 |
| Equity ($mil) | 77.4 | 71.69 |
| Profitability | Q1 FY17 | Q1 FY16 |
|---|---|---|
| Gross Profit Margin | 98.4 | 104.32 |
| EBITDA Margin | 40.04 | 47.74 |
| Operating Margin | 35.57 | 43.56 |
| Sales Turnover | 0.05 | 0.05 |
| Return on Assets | 0.85 | 0.66 |
| Return on Equity | 7.48 | 5.95 |
| Debt | Q1 FY17 | Q1 FY16 |
|---|---|---|
| Current Ratio | 0.0 | 0.0 |
| Debt/Capital | 0.08 | 0.11 |
| Interest Expense | 0.0 | 0.0 |
| Interest Coverage | 0.0 | 0.0 |
| Share Data | Q1 FY17 | Q1 FY16 |
|---|---|---|
| Shares outstanding (mil) | 4.5 | 4.49 |
| Div / share | 0.0 | 0.0 |
| EPS | 0.25 | 0.38 |
| Book value / share | 17.22 | 15.98 |
| Institutional Own % | n/a | n/a |
| Avg Daily Volume | 1568.0 | 1873.0 |
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 |
|
Price/Cash Flow |
| |||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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. |
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| Price/Projected Earnings |
|
Price to Earnings/Growth |
|
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| 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. |
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| Price/Book |
|
Earnings Growth |
|
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| 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. |
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| Price/Sales |
|
Sales Growth |
|
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| HMNF 2.21 | Peers 4.54 | HMNF 16.96 | Peers 12.26 | |||||||||||||||||||||
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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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