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NASDAQ: HMNF
Hmn Financial Inc Stock

$21.10+0.04 (+0.19%)
Updated Mar 28, 2024
HMNF Price
$21.10
Fair Value Price
$40.22
Market Cap
$94.16M
52 Week Low
$17.31
52 Week High
$24.95
P/E
15.29x
P/B
0.87x
P/S
2.69x
PEG
N/A
Dividend Yield
1.52%
Revenue
$38.33M
Earnings
$6.01M
Gross Margin
100%
Operating Margin
22.32%
Profit Margin
15.7%
Debt to Equity
9.28
Operating Cash Flow
$14M
Beta
0.21
Next Earnings
Apr 18, 2024
Ex-Dividend
N/A
Next Dividend
N/A

HMNF Overview

HMN Financial, Inc. operates as a bank holding company for Home Federal Savings Bank that provides various retail banking products and services. The company offers various deposit accounts, such as savings, interest bearing checking, non-interest bearing checking, money market, and certificate accounts. Its loan products include single family residential loans; commercial real estate and multi-family mortgage loans; construction loans; consumer loans, such as home equity, automobile, recreational vehicle, mobile home, and lot loans, as well as loans secured by deposit accounts, and other loans for household and personal purposes; and commercial business loans. The company offers financial planning products and services; and invests in mortgage-backed and related securities, the United States government agency obligations, and other permissible investments. It operates through 14 full service branches located in Minnesota, Wisconsin, and Iowa; and two loan origination offices in Sartell, Minnesota and La Crosse, Wisconsin. HMN Financial, Inc. was founded in 1934 and is headquartered in Rochester, Minnesota.

Zen Score

Industry Average (34)
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Due Diligence Checks

HMNF ($21.10) is undervalued by 47.54% relative to our estimate of its Fair Value price of $40.22 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
HMNF ($21.10) is significantly undervalued by 47.54% relative to our estimate of its Fair Value price of $40.22 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
HMNF was unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
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HMNF News

Valuation

HMNF fair value

Fair Value of HMNF stock based on Discounted Cash Flow (DCF)
Price
$21.10
Fair Value
$40.22
Undervalued by
47.54%
HMNF ($21.10) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
HMNF ($21.10) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
HMNF was unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation

HMNF price to earnings (PE)

For valuing profitable companies with steady earnings
Company
15.29x
Industry
-10.33x
Market
44.51x
HMNF is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
HMNF is good value based... subscribe to Premium to read more.
P/E vs Market Valuation

HMNF price to book (PB)

For valuing companies that are loss-making or have lots of physical asset
Company
0.87x
Industry
1.02x
HMNF is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation

HMNF's financial health

Profit margin

Revenue
$9.2M
Net Income
$1.5M
Profit Margin
15.8%
HMNF's Earnings (EBIT) of $8.55M... subscribe to Premium to read more.
Interest Coverage Financials
HMNF's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$1.1B
Liabilities
$999.4M
Debt to equity
9.28
HMNF's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
HMNF's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
$6.9M
Investing
$14.6M
Financing
-$57.0M
HMNF's operating cash flow ($13.69M)... subscribe to Premium to read more.
Debt Coverage Financials

HMNF vs Bank Stocks

TickerMarket Cap1d %P/EP/B
HMNF$94.16M+0.19%15.29x0.87x
BSBK$93.78M+0.25%141.60x0.68x
RBKB$93.56M+0.75%20.61x0.82x
SBFG$93.53M-0.26%7.79x0.75x
PROV$92.68M-0.89%11.63x0.71x

Hmn Financial Stock FAQ

What is Hmn Financial's quote symbol?

(NASDAQ: HMNF) Hmn Financial trades on the NASDAQ under the ticker symbol HMNF. Hmn Financial stock quotes can also be displayed as NASDAQ: HMNF.

If you're new to stock investing, here's how to buy Hmn Financial stock.

What is the 52 week high and low for Hmn Financial (NASDAQ: HMNF)?

(NASDAQ: HMNF) Hmn Financial's 52-week high was $24.95, and its 52-week low was $17.31. It is currently -15.43% from its 52-week high and 21.89% from its 52-week low.

How much is Hmn Financial stock worth today?

(NASDAQ: HMNF) Hmn Financial currently has 4,462,555 outstanding shares. With Hmn Financial stock trading at $21.10 per share, the total value of Hmn Financial stock (market capitalization) is $94.16M.

Hmn Financial stock was originally listed at a price of $21.67 in Dec 31, 1997. If you had invested in Hmn Financial stock at $21.67, your return over the last 26 years would have been -2.62%, for an annualized return of -0.1% (not including any dividends or dividend reinvestments).

How much is Hmn Financial's stock price per share?

(NASDAQ: HMNF) Hmn Financial stock price per share is $21.10 today (as of Mar 28, 2024).

What is Hmn Financial's Market Cap?

(NASDAQ: HMNF) Hmn Financial's market cap is $94.16M, as of Mar 29, 2024.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Hmn Financial's market cap is calculated by multiplying HMNF's current stock price of $21.10 by HMNF's total outstanding shares of 4,462,555.
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