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HMN Financial Inc
(NASDAQ: HMNF)
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12.69
+0.10
+0.79%
After Hours :
-
-
-

Open

12.15

Previous Close

12.59

Volume (Avg)

15.21k (7.62k)

Day's Range

12.15-13.00

52Wk Range

8.25-13.95

Market Cap.

56.73M

Dividend Rate ( Yield )

-

Beta

0.32

Shares Outstanding

4.47M

P/E Ratio (EPS)

2.18 (5.82)

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Fundamentals
  • Key statistics
  • Growth
  • Profitability
  • Financial health
  • Price ratios
  • Trading statistics
  • Management effectiveness
Industry Savings & Co-operative Banks
Highlights
Analyst Recommendation: Not Available
    • Revenue

    • 27.01M

    • Net Income

    • 26.67M

    • Market Cap.

    • 56.73M

    • Enterprise Value

    • -

    • Net Profit Margin %

    • 97.87

    • PEG (Price/Earnings Growth) Ratio

    • -

    • Beta

    • 0.32

    • Forward P/E

    • -

    • Price/Sales

    • 2.13

    • Price/Book Value

    • 0.90

    • Price/Cash flow

    • 3.44

      • EBITDA

      • 13.74M

      • Return on Capital %

      • 4.47

      • Return on Equity %

      • 52.96

      • Return on Assets %

      • 4.47

      • Book Value/Share

      • 14.18

      • Shares Outstanding

      • 4.47M

      • Last Split Factor (Date)

      • -

      • Last Dividend (Ex-Date)

      • 0.25 (8/21/2008)

      • Dividend Declaration Date

      • 7/25/2008

      Analyst Recommendation
      -
      Not Available
        • 1 Year Price Target

        • -

        • Credit Rating

        • -

        • Analysts

        • 0

        • EPS Estimate

        • -

        • Cashflow Estimate

        • -

        Morningstar Consensus estimate data
        • Growth Rate (%)

        • Company

        • Industry

          • Sales (Revenue)

            Q/Q (last year)

          • -3.30

          • -1.03

          • Net Income

            YTD/YTD (last year)

          • 401.20

          • -2.93

          • Net Income

            Q/Q (last year)

          • 40.60

          • -5.18

          • Sales (Revenue)

            5-Year Annual Average

          • -7.86

          • -4.74

          • Net Income

            5-Year Annual Average

          • -

          • 7.24

          • Dividends

            5-Year Annual Average

          • -

          • 16.00

          • Profit Margins (%)

          • Company

          • Industry

            • Gross Margin

            • -

            • 62.26

            • Pre-Tax Margin

            • 61.62

            • 41.32

            • Net Profit Margin

            • 97.87

            • 27.50

            • Average Gross Margin

              5-Year Annual Average

            • -

            • 34.30

            • Average Pre-Tax Margin

              5-Year Annual Average

            • -13.80

            • 37.19

            • Average Net Profit Margin

              5-Year Annual Average

            • -9.30

            • 16.78B

            • Financial Ratios

            • Company

            • Industry

              • Debt/Equity Ratio

              • -

              • 1.36

              • Current Ratio

              • -

              • 3.68

              • Quick Ratio

              • -

              • 3.35

              • Interest Coverage

              • -

              • -6.72

              • Leverage Ratio

              • 9.62

              • 7.66

              • Book Value/Share

              • 14.18

              • 11.77

              • Price Ratios

              • Company

              • Industry

                • Current P/E Ratio

                • 2.23

                • 18.38

                • P/E Ratio 5-Year High

                • 2.40

                • 469.59

                • P/E Ratio 5-Year Low

                • 0.26

                • 181.70

                • Price/Sales Ratio

                • 2.18

                • 4.04

                • Price/Book Value

                • 0.91

                • 1.07

                • Price/Cash Flow Ratio

                • 3.44

                • -19.12

                • Key Metrics

                • Company

                  • Shares Short

                    as of -

                  • -

                  • Short Ratio

                    as of -

                  • -

                  • Short % of Float

                    as of -

                  • -

                  • Shares Short

                    prior month

                  • -

                  • Trailing Annual Dividend Yield

                  • -

                  • 5 Year Average Dividend Yield

                  • -

                  • Key Metrics

                  • Company

                    • Payout Ratio

                    • 0.00

                    • Dividend Date

                    • 7/25/2008

                    • Ex-Dividend Date

                    • 8/21/2008

                    • Last Split Factor

                      new per old

                    • -

                    • Last Split Date

                    • -

                    • Key Metrics

                    • Company

                    • Industry

                      • Return on Equity %

                        (5-Year Average)

                      • 52.96

                        (-7.70)

                      • 6.09

                        (5.83)

                      • Return on Assets %

                        (5-Year Average)

                      • 4.47

                        (-0.30)

                      • 0.78

                        (0.73)

                      • Return on Capital %

                        (5-Year Average)

                      • 54.83

                        (6.50)

                      • 2.50

                        (2.25)

                      • Income/Employee

                      • 145.09k

                      • 50.76k

                      • Inventory Turnover

                      • -

                      • 34.05

                      • Asset Turnover

                      • 0.05

                      • 0.03

                      Current Historical
                      Financials
                      • Income Statement
                      • Balance Sheet
                      • Cash Flow
                      Operating Income
                      12.26M
                      Operating Margin
                      45.41
                      Total Equity
                      -
                      Retained Earnings
                      -
                      Free Cashflow
                      -
                      Price/Cashflow
                      3.44
                      Ownership

                      Institutional Ownership

                      43.65%

                      Top 10 Institutions

                      42.01%

                      Mutual Fund Ownership

                      8.30%

                      Float

                      77.03%

                      5% / Insider Ownership

                      9.73%

                      Corporate insiders or major stockholders reporting trading activity in the stock.

                      Top Mutual Fund Owners

                      Top Institutional Owners

                      Mutual Fund Name

                      Institution Name

                      • Mutual Fund Name

                      • Shares Held

                      • % Change

                      • % Outstanding

                      • DFA US Small Cap Value II Portfolio

                      •  

                        102,799

                      • 0.00

                      • 2.32

                      • Vanguard Extended Market Index Fund

                      •  

                        46,647

                      • 0.00

                      • 1.04

                      • DFA U.S. Micro Cap Portfolio

                      •  

                        37,346

                      • 0.00

                      • 0.84

                      • DFA U.S. Small Cap Portfolio

                      •  

                        31,110

                      • 0.00

                      • 0.70

                      • Bridgeway Ultra Small Company Market

                      •  

                        25,000

                      • 0.00

                      • 0.56

                      • DFA Tax-Managed U.S. Targeted Value

                      •  

                        24,144

                      • 0.00

                      • 0.54

                      • Vanguard Total Stock Mkt Idx

                      •  

                        22,331

                      • 0.00

                      • 0.50

                      • Bridgeway Ultra Small Company Fund

                      •  

                        18,800

                      • -57.08

                      • 0.42

                      • Auer Growth Fund

                      •  

                        9,000

                      • 0.00

                      • 0.20

                      • EB DL Non-SL Market Completion Fund

                      •  

                        8,991

                      • 482.70

                      • 0.20

                      • Institution Name

                      • Shares Held

                      • % Change

                      • % Outstanding

                      • Hmn Financial Inc ESOP

                      •  

                        700,644

                      • -3.71%

                      • 15.84

                      • Tontine Associates LLC

                      •  

                        352,706

                      • 0.00%

                      • 7.89

                      • Dimensional Fund Advisors, Inc.

                      •  

                        347,928

                      • -0.23%

                      • 7.78

                      • Grace & White Inc

                      •  

                        184,467

                      • 0.00%

                      • 4.13

                      • Vanguard Group, Inc.

                      •  

                        77,032

                      • +15.13%

                      • 1.72

                      • Bridgeway Capital Management, Inc

                      •  

                        48,800

                      • -29.07%

                      • 1.09

                      • Pinnacle Holdings, LLC

                      •  

                        48,220

                      • 0.00%

                      • 1.08

                      • Renaissance Technologies Corp

                      •  

                        44,900

                      • +2.98%

                      • 1.00

                      • BlackRock Fund Advisors

                      •  

                        34,272

                      • +0.88%

                      • 0.77

                      • Sandler O'Neill Asset Management Llc

                      •  

                        31,500

                      • 0.00%

                      • 0.71

                      Company Profile

                      Sector

                      Financial Services

                      Industry

                      Savings & Co-operative Banks

                      Type

                      Cyclical

                      Style

                      Small Value

                      HMN Financial Inc., was incorporated in Delaware in 1994. It is a stock savings bank holding company that owns 100% of Home Federal Savings Bank. The Bank has a community banking philosophy and operates retail banking and loan produc...moretion facilities in Minnesota and Iowa. As a community-oriented financial institution, the Company seeks to serve the financial needs of communities in its market area. The Company’s business involves attracting deposits from the general public and businesses and using such deposits to originate or purchase one-to-four family residential, commercial real estate, and multi-family mortgage loans as well as consumer, construction, and commercial business loans. The Company also invests in mortgage-backed and related securities, U.S. government agency obligations and other pe...morermissible investments. The Company serves the southern Minnesota counties of Fillmore, Freeborn, Houston, Mower, Olmsted and Winona and portions of Steele, Dodge, Goodhue and Wabasha through its corporate office located in Rochester, Minnesota and its ten branch offices located in Albert Lea, Austin, La Crescent, Rochester, Spring Valley and Winona, Minnesota. The portion of the Company’s southern Minnesota market area consisting of Rochester and the contiguous communities is composed of mainly urban and suburban communities, while the balance of the Company’s southern Minnesota market area consists mainly of rural areas and small towns. Primary industries in the Company’s southern Minnesota market area include manufacturing, agriculture, health care, wholesale and retail trade, service industries and education. The Company serves southern Twin Cities Dakota county from its office located in Eagan, Minnesota. The Company serves the Iowa counties of Marshall and Tama through its branch offices located in Marshalltown and Toledo, Iowa. Historically, the Company has originated 15 and 30 year, fixed rate mortgage loans secured by one-to-four family residences for its loan portfolio. It offers conventional fixed rate one-to-four family loans that have maximum terms of 30 years. It originates permanent commercial real estate and multi-family loans secured by properties located mainly in its market area. It makes construction loans to individuals for the construction of their residences and to builders for the construction of one-to-four family residences. It also makes a very limited number of loans to builders for houses built on speculation. Construction loans also include commercial real estate loans. It originates a variety of consumer loans, including home equity loans (open-end and closed-end), automobile, mobile home, lot loans, loans secured by deposit accounts and other loans for household and personal purposes. Its consumer loans are made at fixed or adjustable interest rates, with terms up to 20 years for secured loans and up to five years for unsecured loans. It maintains a portfolio of commercial business loans mainly to retail, manufacturing operations and professional firms. The Company’s commercial business loans generally have terms ranging from six months to five years and may have either fixed or variable interest rates. It originates both fixed and adjustable rate loans, however, its ability to originate loans is dependent upon the relative customer demand for loans in its markets. The Company faces competition in originating loans from mortgage bankers, commercial banks, credit unions and other savings institutions which have offices in the Bank’s market area and those that operate through Internet banking operations throughout the United States. It faces competition for deposits from mutual funds, securities firms, commercial banks, credit unions and other savings institutions located in the same communities and those that operate through Internet banking operations throughout the United States. The Bank is subject to regulation and supervision by the OCC.lessless

                      Key People

                      Bradley C. Krehbiel

                      CEO/CEO, Subsidiary/Director/President/President, Subsidiary

                      Professor Hugh C. Smith,M.D.

                      Chairman of the Board/Director

                      Jon J. Eberle

                      CFO/CFO, Subsidiary/Chief Accounting Officer/Executive VP, Subsidiary/Senior VP/Treasurer/Treasurer, Subsidiary

                      Lawrence D. McGraw

                      COO, Subsidiary/Executive VP, Subsidiary

                      Karen L. Himle

                      Director

                      • HMN Financial Inc

                      • 1016 Civic Center Drive Northwest

                      • Rochester, MN 55901

                      • USA.Map

                      • Phone: +1 507 535-1200

                      • Fax: -

                      • hmnf.com

                      Incorporated

                      1994

                      Employees

                      195

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