Fundamental Analysis of HMN Financial Inc - Growth / Value Index
HMNF - Valuation Highlights
Valuation Analysis
Undervalued - Price to Intrinsic Value of 0.333
Book Value in last 3 years is trending up
Valuation Key Ratios
| Ratio | TTM | Latest FY | Yoy Change | MRQ |
|---|---|---|---|---|
| Price to Earning | 17.55 | 16.37 | 26.24 % | |
| Price to Book | 0.959 | 0.913 | -14.84 % | 0.912 |
| Price to Sales | 2.10 | 2.26 | -10.83 % | |
| Enterprise Value to EBITDA Multiple | 6.62 | 11.76 | 166.55 % |
HMNF - Profitability Highlights
Profitability Analysis
Piotroski F Score - Good Value of 7.0
Earning Yield of 6.60 %
Good Net Margin of 11.98% is achieved by the company
In the last three years, the company has given poor Returns on Assets
EPS decline for last four quarters
Profitability Key Ratios
| Ratio | TTM | Latest FY | Yoy Change | MRQ |
|---|---|---|---|---|
| Return On Equity | 5.46 | 5.58 | -32.54 % | 1.21 |
| Return On Asset | 0.508 | 0.542 | -26.09 % | 0.114 |
| Net Profit Margin | 11.98 | 13.81 | -29.36 % | 9.48 |
| Operating Profit Margin | 44.07 | 19.67 | -28.19 % | 85.60 |
| EBITDA Margin | 32.82 | 19.67 | -47.72 % | 47.20 |
Highlights
| Market Cap | 100818 K |
| Enterprise Value | 103079 K |
| Price/Book TTM | 0.959 |
| Outstanding Share | 4464.95 K |
| Float/ Outstanding Share | 52.76% |
| Dividend Yield | 1.74 % |
Share Holding
Guru Numbers
| Price/Graham No | 0.844 |
| Peter Lynch Ratio | -1.18 |
| Piotroski F Score | 7.00 |
| Altman Z Score | 0.302 |
| Sloan Ratio | -0.0224 |
| Peter Lynch Fair Value | 0 |
HMNF - Growth Highlights
Growth Analysis
Quarterly sales in last 5 years is trending up
Steady increase in Total Assets for last 3 Years
Tsr Growth Index - Poor Score of 26.72
Growth Key Fields
| Field | TTM | YoY Growth | QoQ Growth |
|---|---|---|---|
| Revenue | 47470.00 K | 5.67 % | 20.50 % |
| Gross Profit | 47470.00 K | 5.67 % | 20.50 % |
| EBITDA | 15580.00 K | 44.76 % | 251.02 % |
| Net Profit | 5689.00 K | 25.36 % | 9.23 % |
| EPS | 1.29 | 20.79 % | NA |
HMNF - Stability Highlights
Stability Analysis
Cash ratio of 4.65
Company financial liquidity has improved
Altman Z Score of 0.294 suggest high risk
Interest Coverage of 0.584
Stability Key Ratios
| Ratio | Latest FY | Yoy Change | MRQ |
|---|---|---|---|
| Debt to Equity Ratio | 0.125 | 5124.38 % | 0.0014 |
| Cash Ratio | 4.65 | 1528.13 % | |
| Quick Ratio | 364.78 | 39580.71 % | 303.28 |
| Shareholders Equity | 9.73 | 9.56 % | |
| Debt to EBITDA | 1.57 | 10364.40 % |
Historical Valuation Ratios of HMN Financial Inc
Historical Valuation Ratios
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Historical Profitability Ratios of HMN Financial Inc
Historical Profitability Ratios
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Historical Efficiency Ratios of HMN Financial Inc
Historical Efficiency Ratios
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Historical Solvency Ratios of HMN Financial Inc
Historical Solvency Ratios
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Note : All Data Generated at the End of Trading Hours (EOD Data)