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HMN Financial, Inc. HMNF NASDAQ

NASDAQ Global Market • Financial Services • Banks - Regional • US • USD

SharesGrow Score

SharesGrow Intrinsic Value

Negative cash flow

HMN Financial, Inc. (HMNF) is a Banks - Regional company in the Financial Services sector, currently trading at $27.99. It has a SharesGrow Score of 52/100, indicating a mixed investment profile with 2 out of 7 criteria passed.

Financials: revenue is $43M, -0.3%/yr average growth. Net income is $6M, growing at -11.5%/yr. Net profit margin is 13.8% (healthy). Gross margin is 100% (+0 pp trend).

Balance sheet: total debt is $14M against $108M equity (Debt-to-Equity (D/E) ratio 0.13, conservative). Current ratio is 0.06 (tight liquidity). Debt-to-assets is 1.2%. Total assets: $1.1B.

SharesGrow 7-Criteria breakdown: Value 75/100 (Pass), Growth 15/100 (Fail), Past 100/100 (Pass), Health 33/100 (Fail), Moat 46/100 (Partial), Future ?/100 (Fail), Income 55/100 (Partial).

HMNF SharesGrow Score Overview

54/100

SharesGrow Score

Mixed signals — some strengths

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VALUE 75/100

Valuation — P/E, PEG, Forward PEG

GROWTH 15/100

Financials — average growth

PAST 100/100

strong — trend

HEALTH 33/100

Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is

MOAT 46/100

Gross margin is + market cap

FUTURE 0/100

Analyst outlook — as buy

INCOME 55/100

Net profit margin is

Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — HMNF

HMNF trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.

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HMNF: -0.3%/yr revenue is, -11.5%/yr Net income is average growth. weak. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.

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HMNF: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.

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Balance sheet HMNF: Debt-to-Equity (D/E) ratio 0.13 (conservative), Current ratio is 0.06 (tight liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.

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HMNF: Gross margin is 100% (+0 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 46/100. ≥ 70 = Pass.

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No analyst coverage available for this stock.

HMNF: Net profit margin is 13.8%. thin (5-15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.

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Stock Chart & Stats

Market Data

52-Week Range17.6-29.4

Volume156.67K

Avg Volume (30D)8.88K

Market Cap$124.97M

Beta (1Y)0.21

Dividend Yield$0.4000

Share Statistics

EPS (TTM)1.38

Shares Outstanding$4.35M

IPO Date1994-06-30

Employees153

CEOBradley C. Krehbiel

Financial Highlights & Ratios

Revenue (TTM)$43.48M

Gross Profit$43.48M

Net Income$6.01M

Operating Income$8.55M

Total Cash$11.15M

Total Debt$13.51M

Net Debt$2.36M

Total Assets$1.11B

Price / Earnings (P/E)20.3

Price / Sales (P/S)2.87

Analyst Forecast

Company Info

CountryUS

ExchangeNASDAQ Global Market

CurrencyUSD

ISINUS40424G1085

Price Chart

HMNF

HMN Financial, Inc. ↗ · NASDAQ Global Market

Financial Services • Banks - Regional

17.60 52WK RANGE 29.40

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