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HMN Financial Inc HMNF

Morningstar Rating
$19.60 +0.02 (0.10%)
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About Quantitative Ratings

Morningstar Quantitative Ratings for Stocks are generated using an algorithm that compares companies that are not under analyst coverage to peer companies that do receive analyst-driven ratings. Companies with quantitative ratings are not formally covered by a Morningstar analyst, but are statistically matched to analyst-rated companies, allowing our models to calculate a quantitative moat, fair value, and uncertainty rating.

Price vs Fair Value

HMNF is trading at a 28% discount.
Price
$19.72
Fair Value
$94.28
Uncertainty
Very High
1-Star Price
$36.54
5-Star Price
$44.74
Economic Moat
Rgg
Capital Allocation
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Trading Information

Previous Close Price
$19.58
Day Range
$19.6019.75
52-Week Range
$17.3124.95
Bid/Ask
$19.43 / $20.14
Market Cap
$87.47 Mil
Volume/Avg
57 / 2,756

Key Statistics

Price/Earnings (Normalized)
14.49
Price/Sales
2.20
Dividend Yield (Trailing)
1.63%
Dividend Yield (Forward)
1.63%
Total Yield
2.35%

Company Profile

HMN Financial Inc is a stock savings bank holding company of Home Federal Savings Bank. The bank is engaged in community banking and operates retail banking and loan production facilities in Minnesota, Iowa, and Wisconsin. It is involved in the business of attracting deposits from the general public and businesses and using such deposits to originate single-family residential, commercial real estate, and multi-family mortgage loans as well as consumer, construction, and commercial business loans. The bank also invests in mortgage-backed and related securities, U.S. government agency obligations, and other permissible investments. Its products and services include checking and savings accounts, cash deposits, online services, and credit cards among others.
Sector
Financial Services
Industry
Banks - Regional
Stock Style Box
Small Value
Total Number of Employees
161

Comparables

Valuation

Metric
HMNF
HTLF
MBCN
Price/Earnings (Normalized)
14.497.3510.41
Price/Book Value
0.810.780.90
Price/Sales
2.202.472.57
Price/Cash Flow
6.245.808.72
Price/Earnings
HMNF
HTLF
MBCN

Financial Strength

Metric
HMNF
HTLF
MBCN
Quick Ratio
Current Ratio
Interest Coverage
Quick Ratio
No chart available

Profitability

Metric
HMNF
HTLF
MBCN
Return on Assets (Normalized)
0.58%0.97%1.03%
Return on Equity (Normalized)
6.26%11.24%9.13%
Return on Invested Capital (Normalized)
Return on Assets
HMNF
HTLF
MBCN
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Banks - Regional Industry Comparables

Ticker
Name
Morningstar Rating for Stocks
Capital Allocation
Economic Moat
Market Cap
BNPQY
BNP Paribas ADRZsnvtpgRgys$80.5 Bil
ISNPY
Intesa Sanpaolo ADRJvsqdtkfzSshj$68.5 Bil
USB
U.S. BancorpGpwxtpfpLgny$63.9 Bil
PNC
PNC Financial Services Group IncPzphbdpndNrvrcy$62.7 Bil
ITUB
Itau Unibanco Holding SA ADRJypnkvpvFjfsr$56.6 Bil
TFC
Truist Financial CorpZzkjrmwrFbgzcdp$52.0 Bil
MFG
Mizuho Financial Group Inc ADRYpjrknzsGth$49.6 Bil
LYG
Lloyds Banking Group PLC ADRGlfrsmtdQlrckg$40.1 Bil
DB
Deutsche Bank AGTpfdPcqb$31.7 Bil
NWG
NatWest Group PLC ADRRxjjyMqwd$30.2 Bil

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