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XNASHMNF
Market cap124mUSD
Oct 09, Last price  
27.99USD
Name

HMN Financial Inc

Chart & Performance

D1W1MN
XNAS:HMNF chart
P/E
20.81
P/S
2.87
EPS
1.34
Div Yield, %
1.05%
Shrs. gr., 5y
-1.78%
Rev. gr., 5y
3.93%
Revenues
43m
+5.67%
36,590,61142,278,94345,127,43546,294,00040,670,00041,985,00038,282,00035,275,00031,934,00027,836,00027,880,00027,092,00034,553,00033,609,00035,862,00037,006,00044,062,00044,471,00041,143,00043,477,000
Net income
6m
-25.36%
9,289,79711,067,8898,428,00011,274,000-10,127,000-10,796,000-28,978,000-11,555,0005,321,00026,670,0007,379,0002,956,0006,350,0004,404,0008,236,0007,793,00010,302,00013,564,0008,045,0006,005,000
CFO
8m
-75.47%
15,386,79025,071,72219,704,47040,339,00018,425,00015,448,00025,555,00017,340,00016,837,00018,992,00017,344,00010,820,00025,513,00017,043,00017,809,00015,201,00016,942,00024,303,00031,311,0007,680,000
Dividend
Aug 16, 20240.1 USD/sh
Earnings
Jan 23, 2025

Profile

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.
URL
https://www.hmnf.com
IPO date
Jun 30, 1994
Employees
167
Domiciled in
US
Incorporated in
US

Valuation

Title
USD in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFYFY
2023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑122014‑12
Income
Revenues
43,477
5.67%
41,143
-7.48%
44,471
0.93%
Cost of revenue
24,977
17,211
16,114
Unusual Expense (Income)
NOPBT
18,500
23,932
28,357
NOPBT Margin
42.55%
58.17%
63.77%
Operating Taxes
2,548
3,226
5,365
Tax Rate
13.77%
13.48%
18.92%
NOPAT
15,952
20,706
22,992
Net income
6,005
-25.36%
8,045
-40.69%
13,564
31.66%
Dividends
(1,306)
(1,049)
Dividend yield
1.30%
1.12%
Proceeds from repurchase of equity
(629)
(2,134)
(4,589)
BB yield
0.62%
2.28%
4.13%
Debt
Debt current
232
217
Long-term debt
13,301
301
175
Deferred revenue
Other long-term liabilities
986,228
298
710,138
Net debt
1,144
(527,764)
(665,281)
Cash flow
Cash from operating activities
7,680
31,311
24,303
CAPEX
(691)
(342)
(8,309)
Cash from investing activities
(30,980)
(125,181)
(167,440)
Cash from financing activities
(1,808)
35,986
151,011
FCF
851,228
20,936
17,324
Balance
Cash
11,151
282,278
379,908
Long term investments
1,006
246,019
285,765
Excess cash
9,983
526,240
663,449
Stockholders' equity
128,308
118,739
130,621
Invested Capital
1,099,551
977,397
939,071
ROIC
1.54%
2.16%
2.66%
ROCE
1.67%
2.18%
2.65%
EV
Common stock shares outstanding
4,377
4,389
4,504
Price
23.00
7.78%
21.34
-13.50%
24.67
43.43%
Market cap
100,673
7.47%
93,671
-15.70%
111,113
39.00%
EV
101,817
(434,093)
(553,468)
EBITDA
19,620
26,070
30,640
EV/EBITDA
5.19
Interest
12,720
1,999
1,553
Interest/NOPBT
68.76%
8.35%
5.48%