HMN Financial Inc

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HMNF : NASDAQ : Financial
$18.2286 | %
Today's Range: 17.85 - 18.2286
Avg. Daily Volume: 2000.0
03/24/17 - 3:45 PM ET

Financial Analysis


HMN FINANCIAL INC's gross profit margin for the fourth quarter of its fiscal year 2016 has increased 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 9.00% from the same quarter last year.

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Income Statement Q4 FY16 Q4 FY15
Net Sales ($mil)8.918.07
EBITDA ($mil)4.073.17
EBIT ($mil)4.072.84
Net Income ($mil)1.681.09


Balance Sheet Q4 FY16 Q4 FY15
Cash & Equiv. ($mil)27.5639.78
Total Assets ($mil)682.02643.16
Total Debt ($mil)7.09.0
Equity ($mil)75.9269.65


Profitability Q4 FY16 Q4 FY15
Gross Profit Margin99.4894.2
EBITDA Margin45.6539.31
Operating Margin45.6635.14
Sales Turnover0.050.04
Return on Assets0.930.45
Return on Equity8.364.08
Debt Q4 FY16 Q4 FY15
Current Ratio0.00.0
Debt/Capital0.080.11
Interest Expense0.00.0
Interest Coverage0.00.0


Share Data Q4 FY16 Q4 FY15
Shares outstanding (mil)4.494.48
Div / share0.00.0
EPS0.350.23
Book value / share16.9115.54
Institutional Own % n/a n/a
Avg Daily Volume2015.03767.0

Valuation


BUY. HMN FINANCIAL INC's P/E ratio indicates a significant discount compared to an average of 25.96 for the Thrifts & Mortgage Finance industry and a significant discount compared to the S&P 500 average of 26.73. Conducting a second comparison, its price-to-book ratio of 1.06 indicates a significant discount versus the S&P 500 average of 2.98 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 13.43 Peers 25.96   HMNF NA Peers 16.61

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.

 

Neutral. The P/CF ratio is the stock’s price divided by the sum of the company's cash flow from operations. It is useful for comparing companies with different capital requirements or financing structures.

Ratio not available.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
1 2 3 4 5
premium   discount
HMNF NA Peers 21.56   HMNF NA Peers 5.01

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 1.06 Peers 1.65   HMNF 116.12 Peers 196.43

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 2.27 Peers 4.64   HMNF 23.36 Peers 10.07

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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