HMN Financial Inc.
Find Ratings ReportsHMN FINANCIAL INC's gross profit margin for the fourth quarter of its fiscal year 2017 has decreased when compared to the same period a year ago. Sales and net income have dropped, underperforming the average competitor within its industry.
During the same period, stockholders' equity ("net worth") has increased by 6.45% from the same quarter last year.
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| Income Statement | Q4 FY17 | Q4 FY16 |
|---|---|---|
| Net Sales ($mil) | 8.73 | 8.91 |
| EBITDA ($mil) | 3.64 | 4.07 |
| EBIT ($mil) | 3.23 | 3.65 |
| Net Income ($mil) | 0.39 | 1.68 |
| Balance Sheet | Q4 FY17 | Q4 FY16 |
|---|---|---|
| Cash & Equiv. ($mil) | 37.56 | 27.56 |
| Total Assets ($mil) | 722.69 | 682.02 |
| Total Debt ($mil) | 0.0 | 7.0 |
| Equity ($mil) | 80.82 | 75.92 |
| Profitability | Q4 FY17 | Q4 FY16 |
|---|---|---|
| Gross Profit Margin | 94.34 | 99.48 |
| EBITDA Margin | 41.69 | 45.65 |
| Operating Margin | 36.96 | 40.94 |
| Sales Turnover | 0.05 | 0.05 |
| Return on Assets | 0.6 | 0.93 |
| Return on Equity | 5.44 | 8.36 |
| Debt | Q4 FY17 | Q4 FY16 |
|---|---|---|
| Current Ratio | 0.0 | 0.0 |
| Debt/Capital | 0.0 | 0.08 |
| Interest Expense | 0.0 | 0.0 |
| Interest Coverage | 0.0 | 0.0 |
| Share Data | Q4 FY17 | Q4 FY16 |
|---|---|---|
| Shares outstanding (mil) | 4.5 | 4.49 |
| Div / share | 0.0 | 0.0 |
| EPS | 0.08 | 0.35 |
| Book value / share | 17.97 | 16.91 |
| Institutional Own % | n/a | n/a |
| Avg Daily Volume | 4402.0 | 2249.0 |
BUY. The current P/E ratio indicates a significant discount compared to an average of 37.01 for the Thrifts & Mortgage Finance industry and a discount compared to the S&P 500 average of 24.25. Conducting a second comparison, its price-to-book ratio of 1.04 indicates a significant discount versus the S&P 500 average of 3.15 and a discount versus the industry average of 2.17. 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 |
|
Price/Cash Flow |
| |||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| HMNF 20.60 | Peers 37.01 | HMNF 4.95 | Peers 15.17 | |||||||||||||||||||||
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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 18.55 | HMNF NA | Peers 1.07 | |||||||||||||||||||||
|
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 1.04 | Peers 2.17 | HMNF -32.09 | Peers 0.01 | |||||||||||||||||||||
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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 2.39 | Peers 4.42 | HMNF -0.61 | Peers 12.83 | |||||||||||||||||||||
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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. |
Lower. A sales growth rate that trails the industry implies that a company is losing market share. HMNF significantly trails its peers on the basis of sales growth |
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