HMNF - HMN Financial Inc Stock Price, Fair Value and News

19.75USD-0.15 (-0.75%)Market Closed

Market Summary

USD19.75-0.15

Market Closed

-0.75%

HMNF Stock Price

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HMNF RSI Chart

HMNF Valuation

Market Cap

88.1M

Price/Earnings (Trailing)

14.68

Price/Sales (Trailing)

2.03

EV/EBITDA

1.96

Price/Free Cashflow

6.78

HMNF Price/Sales (Trailing)

HMNF Profitability

EBT Margin

19.67%

Return on Equity

5.58%

Return on Assets

0.54%

Free Cashflow Yield

14.74%

HMNF Fundamentals

HMNF Revenue

Revenue (TTM)

43.5M

Rev. Growth (Yr)

15.38%

Rev. Growth (Qtr)

0.11%

HMNF Earnings

Earnings (TTM)

6.0M

Earnings Growth (Yr)

-40.44%

Earnings Growth (Qtr)

-3.07%

Breaking Down HMNF Revenue

Last 7 days

1.3%

Last 30 days

-5.3%

Last 90 days

-11.4%

Trailing 12 Months

9.8%

How does HMNF drawdown profile look like?

HMNF Financial Health

HMNF Investor Care

Dividend Yield

1.52%

Dividend/Share (TTM)

0.3

Buy Backs (1Y)

0.49%

Diluted EPS (TTM)

1.37

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs

Net sales

Year	Q1	Q2	Q3	Q4
2023	36.6M	39.0M	41.9M	43.5M
2022	31.4M	31.4M	31.6M	34.3M
2021	32.0M	32.2M	32.7M	31.8M
2020	32.0M	31.6M	31.5M	32.0M
2019	31.0M	31.8M	31.8M	31.9M
2018	28.2M	28.6M	29.4M	30.4M
2017	27.5M	27.3M	27.6M	27.7M
2016	23.1M	25.2M	26.7M	27.3M
2015	18.4M	18.5M	18.8M	21.5M
2014	21.0M	20.2M	19.6M	19.0M
2013	27.3M	25.1M	23.3M	21.9M
2012	34.3M	32.2M	30.2M	29.3M
2011	46.1M	43.6M	41.2M	36.8M
2010	0	54.6M	51.4M	48.3M
2009	0	0	0	57.8M

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of HMN Financial Inc

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Apr 23, 2024	bishop pamela	acquired	-	-	459	-
Apr 23, 2024	bolton jeffrey	acquired	-	-	459	-
Apr 23, 2024	butts williams barbara	acquired	-	-	204	-
Apr 23, 2024	oeth david	acquired	-	-	459	-
Apr 23, 2024	utz mark e	acquired	-	-	204	-
Apr 23, 2024	borgman sequoya s	acquired	-	-	204	-
Apr 23, 2024	zietlow hans k	acquired	-	-	204	-
Apr 23, 2024	shannon wendy s	acquired	-	-	204	-
Jan 23, 2024	mcgraw lawrence d	acquired	-	-	1,365	evp of home federal svgs bank
Jan 23, 2024	krehbiel bradley	acquired	-	-	2,004	ceo & president

Which funds bought or sold HMNF recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
Apr 25, 2024	GRACE & WHITE INC /NY	unchanged	-	-389,485	4,325,330	0.78%
Mar 11, 2024	VANGUARD GROUP INC	reduced	-72.79	-2,858,340	1,389,590	-%
Feb 15, 2024	State of Wyoming	sold off	-100	-7,116	-	-%
Feb 14, 2024	STATE STREET CORP	reduced	-43.06	-98,901	214,659	-%
Feb 14, 2024	Fourthstone LLC	added	163	4,037,980	5,896,810	1.19%
Feb 14, 2024	BHZ CAPITAL MANAGEMENT, LP	reduced	-5.38	87,278	721,533	0.38%
Feb 14, 2024	FJ Capital Management LLC	unchanged	-	1,096,960	6,519,420	0.65%
Feb 14, 2024	Empowered Funds, LLC	added	9.6	145,872	604,992	0.01%
Feb 14, 2024	Pinnacle Holdings, LLC	unchanged	-	151,704	901,600	0.37%
Feb 14, 2024	BRIDGEWAY CAPITAL MANAGEMENT, LLC	added	3.09	341,694	1,768,790	0.04%

Are Funds Buying or Selling HMNF?

Are funds buying HMNF calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own HMNF

No. of Funds

Unveiling HMN Financial Inc's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 14, 2024	hmn financial inc employee stock ownership plan	10.81%	482,007	SC 13G/A
Feb 14, 2024	fourthstone llc	5.71%	256,383	SC 13G
Feb 14, 2024	m3 partners lp	7.38%	331,107	SC 13G/A
Feb 14, 2024	alliancebernstein l.p.	9.8%	439,698	SC 13G/A
Feb 09, 2024	dimensional fund advisors lp	6.0%	269,649	SC 13G/A
Feb 14, 2023	hmn financial inc employee stock ownership plan	11.04%	494,851	SC 13G/A
Feb 14, 2023	fourthstone llc	1.45%	64,804	SC 13G/A
Feb 14, 2023	alliancebernstein l.p.	7.1%	319,475	SC 13G
Feb 10, 2023	dimensional fund advisors lp	6.7%	300,646	SC 13G/A
Feb 10, 2023	m3 partners lp	7.66%	343,231	SC 13G/A

Recent SEC filings of HMN Financial Inc

View All Filings

Date Filed	Form Type	Document
Apr 24, 2024	4	Insider Trading
Apr 24, 2024	8-K	Current Report
Apr 24, 2024	4	Insider Trading
Apr 24, 2024	4	Insider Trading
Apr 24, 2024	4	Insider Trading
Apr 24, 2024	4	Insider Trading
Apr 24, 2024	4	Insider Trading
Apr 24, 2024	4	Insider Trading
Apr 24, 2024	4	Insider Trading
Apr 19, 2024	8-K	Current Report

Peers (Alternatives to HMN Financial Inc)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	551.1B	174.7B	-3.54%	38.14%	10.95	3.15	53.11%	19.83%
BAC	288.9B	127.4B	-1.55%	31.18%	11.54	2.27	44.27%	-12.56%
WFC	213.0B	85.7B	3.37%	54.52%	11.13	2.49	41.49%	39.96%
C	117.3B	133.3B	-3.26%	33.46%	12.72	0.88	79.09%	-
CFG	15.9B	10.2B	-2.61%	28.89%	9.9	1.56	44.53%	-22.43%
KEY	13.7B	7.9B	-5.10%	51.39%	14.2	1.73	46.47%	-49.56%
MID-CAP
CMA	6.8B	4.2B	-5.36%	37.59%	9.77	1.6	34.68%	-45.96%
ZION	6.2B	3.9B	-2.65%	74.92%	9.12	1.57	45.91%	-25.03%
ABCB	3.3B	1.3B	1.24%	56.23%	12.32	2.59	43.24%	-22.35%
ASB	3.3B	1.8B	1.41%	32.74%	20.23	1.77	32.64%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
ALRS	388.4M	164.9M	-7.99%	41.28%	33.21	2.36	42.66%	-70.76%
AROW	385.2M	162.6M	-4.83%	14.80%	12.81	2.37	25.39%	-38.37%
ACNB	282.2M	96.6M	-7.32%	15.29%	8.91	2.92	11.02%	-11.37%
ASRV	41.8M	60.9M	4.72%	-16.15%	-12.5	0.69	24.06%	-144.92%

HMN Financial Inc News

Latest updates

HMN Financial Inc Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Revenue	0.1%	12.00	12.00	10.00	10.00	10.00	9.00	8.00	8.00	7.00	8.00	8.00	8.00	8.00	8.00	8.00	8.00	8.00	8.00	8.00	8.00	8.00
EBITDA Margin	-10.8%	0.90*	1.01*	1.11*	1.22*	1.27*	1.30*	1.38*	1.47*	1.55*	1.57*	1.55*	1.46*	-	-	-	-	-	-	-	-	-
Interest Expenses	-8.2%	7.00	8.00	8.00	8.00	9.00	8.00	8.00	7.00	7.00	8.00	8.00	7.00	8.00	7.00	7.00	7.00	7.00	7.00	7.00	7.00	7.00
Income Taxes	-53.0%	0.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	2.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00
Earnings Before Taxes	-21.7%	2.00	2.00	2.00	2.00	3.00	3.00	3.00	2.00	3.00	5.00	6.00	5.00	4.00	4.00	4.00	2.00	2.00	3.00	4.00	2.00	3.00
EBT Margin	-17.7%	0.20*	0.24*	0.26*	0.31*	0.33*	0.34*	0.42*	0.52*	0.60*	0.63*	0.61*	0.54*	-	-	-	-	-	-	-	-	-
Net Income	-3.1%	1.00	1.00	1.00	2.00	2.00	2.00	2.00	1.00	2.00	4.00	5.00	3.00	3.00	3.00	3.00	1.00	1.00	2.00	3.00	2.00	2.00
Net Income Margin	-17.1%	0.14*	0.17*	0.19*	0.22*	0.23*	0.24*	0.30*	0.37*	0.43*	0.45*	0.44*	0.39*	-	-	-	-	-	-	-	-	-
Free Cashflow	254.6%	7.00	2.00	6.00	-1.30	5.00	9.00	7.00	11.00	-0.07	7.00	6.00	3.00	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Assets	-4.1%	1,107	1,154	1,109	1,072	1,096	1,048	1,082	1,029	1,070	1,037	981	971	910	898	863	784	778	763	723	723	712
Cash Equivalents	-76.1%	11.00	47.00	13.00	10.00	36.00	19.00	95.00	29.00	94.00	149	100	115	86.00	76.00	66.00	36.00	8.00	63.00	16.00	15.00	2.00
Net PPE	-0.8%	16.00	16.00	16.00	16.00	16.00	17.00	17.00	17.00	17.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	11.00	10.00	10.00	10.00	10.00
Goodwill	0%	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00
Liabilities	-5.0%	999	1,052	1,007	971	999	958	986	929	960	927	873	866	806	797	765	689	685	672	634	637	629
Shareholder's Equity	5.8%	108	102	102	100	97.00	90.00	96.00	101	110	110	108	105	103	101	98.00	95.00	93.00	91.00	89.00	85.00	83.00
Retained Earnings	0.8%	142	141	140	139	138	136	135	133	131	129	126	121	118	115	112	109	108	106	104	101	100
Additional Paid-In Capital	0.3%	41.00	41.00	41.00	41.00	41.00	41.00	41.00	41.00	41.00	41.00	40.00	40.00	40.00	40.00	40.00	40.00	40.00	40.00	40.00	40.00	40.00
Shares Outstanding	-0.7%	4.00	4.00	4.00	4.00	4.00	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Float	-	-	-	68.00	-	-	-	84.00	-	-	-	79.00	-	-	-	57.00	-	-	-	83.00	-	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Cashflow From Operations	239.5%	6,872	2,024	5,795	-1,005	4,777	8,620	6,816	11,098	7,795	7,239	6,598	2,671	8,773	1,353	4,748	2,068	7,060	4,081	1,008	3,052	4,983
Share Based Compensation	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	239	-	1.00	-	208
Cashflow From Investing	195.9%	14,579	-15,198	-34,525	-1,842	-28,063	-53,875	2,303	-45,546	-96,660	-10,929	-25,578	-34,273	-5,763	-25,436	-48,623	-14,659	-38,919	4,534	4,460	-13,024	-3,597
Cashflow From Financing	-222.2%	-56,976	46,616	31,844	-23,292	40,900	-31,054	56,659	-30,519	33,572	52,720	3,995	60,724	7,232	34,300	73,941	3,936	13,751	37,535	-4,232	4,384	-28,753
Dividend Payments	0.3%	349	348	348	261	259	262	262	266	-	-	-	-	-	-	-	-	-	-	-	-	-
Buy Backs	-	629	-	-	-	-	685	706	743	723	1,130	2,213	523	1,090	-	-	360	-	-	-	-	-

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HMNF Income Statement

2023-12-31

Consolidated Statements of Comprehensive Income (Loss) - USD ($)
$ in Thousands

12 Months Ended

Dec. 31, 2023

Dec. 31, 2022

Interest income:

Loans receivable

$ 39,646

$ 30,448

Securities available for sale:

Mortgage-backed and related

2,362

2,801

Other marketable

966

428

Other

503

578

Total interest income

43,477

34,255

Interest expense:

Deposits

12,290

1,732

Customer escrows

Advances and other borrowings

371

251

Total interest expense

12,720

1,999

Net interest income

30,757

32,256

Provision for credit losses (1)

^[1]

713

1,071

Net interest income after provision for credit losses

30,044

31,185

Non-interest income:

Gain on sales of loans

^[2]

1,494

2,393

Other

1,860

1,682

Total non-interest income

8,281

8,887

Non-interest expense:

Compensation and benefits

18,113

17,211

Occupancy and equipment

3,626

3,812

Data processing

2,187

1,948

Professional services

1,051

1,386

Other

4,795

4,444

Total non-interest expense

29,772

28,801

Income before income tax expense

8,553

11,271

Income tax expense

2,548

3,226

Net income

6,005

8,045

Other comprehensive income (loss), net of tax

6,570

(18,178)

Comprehensive income (loss) available to common stockholders

$ 12,575

$ (10,133)

Basic earnings per share (in dollars per share)

$ 1.38

$ 1.85

Diluted earnings per share (in dollars per share)

$ 1.37

$ 1.83

Financial Service [Member]

Non-interest income:

Revenue from Contract with Customer

$ 3,352

$ 3,222

Bank Servicing [Member]

Non-interest income:

Revenue from Contract with Customer

^[2]

$ 1,575

$ 1,590

[1]	The Company adopted Accounting Standard Update (ASU) 2016-13 as of January 1, 2023. The 2022 amount presented is calculated under the prior accounting standard.
[2]	Not within the scope of ASC 606.

HMNF Balance Sheet

2023-12-31

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
ASSETS
Cash and cash equivalents	$ 11,151	$ 36,259
Securities available for sale (at fair value)	215,094	246,019
Loans held for sale	1,006	1,314
Loans receivable, net	845,692	777,078
Accrued interest receivable	3,553	3,003
Mortgage servicing rights, net	2,709	2,986
Premises and equipment, net	15,995	16,492
Goodwill	802	802
Prepaid expenses and other assets	3,962	3,902
Deferred tax asset, net	7,171	8,347
Total assets	1,107,135	1,096,202
LIABILITIES AND STOCKHOLDERS’&NBSP;EQUITY
Deposits	976,793	981,926
Federal Home Loan Bank advances and other borrowings	13,200	0
Accrued interest payable	2,399	298
Customer escrows	2,246	10,122
Accrued expenses and other liabilities	4,790	6,520
Total liabilities	999,428	998,866
Commitments and contingencies
Stockholders’ equity:
Serial preferred stock ($.01 par value):authorized 500,000 shares; issued 0	0	0
Common stock ($.01 par value): authorized 16,000,000 shares; issued 9,128,662; outstanding 4,457,905 and 4,480,976	91	91
Additional paid-in capital	41,235	41,013
Retained earnings, subject to certain restrictions	142,278	138,409
Accumulated other comprehensive loss	(13,191)	(19,761)
Unearned employee stock ownership plan shares	(870)	(1,063)
Treasury stock, at cost 4,670,757 and 4,647,686 shares	(61,836)	(61,353)
Total stockholders’ equity	107,707	97,336
Total liabilities and stockholders’ equity	1,107,135	1,096,202
Collateralized Mortgage-Backed Securities [Member]
ASSETS
Securities available for sale (at fair value)	161,414	192,688
Other Debt Obligations [Member]
ASSETS
Securities available for sale (at fair value)	$ 53,680	$ 53,331

About HMN Financial Inc

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 also offers financial planning products and services; and invests in mortgage-backed and related securities, the United States government agency obligations, and other permissible investments. HMN Financial, Inc. was founded in 1934 and is headquartered in Rochester, Minnesota.

CEO	Mr. Bradley C. Krehbiel
WEBSITE	justcallhome.com
INDUSTRY	Banks Diversified
EMPLOYEES	167

HMN Financial Inc Frequently Asked Questions

What is the ticker symbol for HMN Financial Inc? What does HMNF stand for in stocks?

HMNF is the stock ticker symbol of HMN Financial Inc. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of HMN Financial Inc (HMNF)?

As of Wed May 01 2024, market cap of HMN Financial Inc is 88.14 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of HMNF stock?

You can check HMNF's fair value in chart for subscribers.

What is the fair value of HMNF stock?

You can check HMNF's fair value in chart for subscribers. The fair value of HMN Financial Inc is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of HMN Financial Inc is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for HMNF so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is HMN Financial Inc a good stock to buy?

The fair value guage provides a quick view whether HMNF is over valued or under valued. Whether HMN Financial Inc is cheap or expensive depends on the assumptions which impact HMN Financial Inc's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for HMNF.

What is HMN Financial Inc's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Wed May 01 2024, HMNF's PE ratio (Price to Earnings) is 14.68 and Price to Sales (PS) ratio is 2.03. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. HMNF PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on HMN Financial Inc's stock?

In the past 10 years, HMN Financial Inc has provided 0.059 (multiply by 100 for percentage) rate of return.