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About the company
HMN Financial, Inc. is a stock savings bank holding company. The Company is a holding company for Home Federal Savings Bank (the Bank). The Bank operates community banking and loan production offices in Minnesota, Iowa and Wisconsin. The Bank has two wholly owned subsidiaries, Osterud Insurance Agency, Inc. (OIA), which does business as Home Federal Investment Services and offers financial planning products and services, and HFSB Property Holdings, LLC (HPH) which is inactive. Its lending activities include general, single family residential real estate lending, commercial real estate and multi-family lending, construction lending, consumer lending and commercial business lending. It originates 15- and 30-year fixed rate mortgage loans secured by single family residences and sells the majority of these loans into the secondary market. It makes construction loans to individuals for the construction of their residences and to builders for the construction of single family residences.
- Revenue in USD (TTM)45.56m
- Net income in USD5.69m
- Incorporated1994
- Employees161.00
- LocationHMN Financial Inc1016 Civic Center Drive NorthwestROCHESTER 55901United StatesUSA
- Phone+1 (507) 535-1200
- Fax+1 (507) 252-7140
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| TC Bancshares Inc | 21.95m | -43.97k | 58.16m | 65.00 | -- | 0.7633 | 93.07 | 3.95 | -0.0107 | -0.0107 | 3.18 | 18.01 | -- | -- | -- | -- | -0.0097 | -- | -- | -- | -- | -- | -0.2985 | -- | -- | -- | -- | -- | 35.82 | -- | -84.90 | -- | -- | -- |
| Ks Bancorp Inc | 30.91m | 5.88m | 58.71m | 72.00 | 10.00 | 1.39 | -- | 2.50 | 5.30 | 5.30 | 21.17 | 38.00 | -- | -- | -- | -- | 0.9479 | 1.11 | -- | -- | -- | -- | 25.04 | 27.35 | -- | -- | -- | 11.80 | 33.32 | 12.26 | -17.84 | 11.88 | -- | 27.68 |
| Home Loan Financial Corporation | -100.00bn | -100.00bn | 64.08m | 33.00 | -- | 1.79 | -- | -- | -- | -- | -- | 15.97 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 34.23 | -- | 24.41 | -- | -- | -- |
| Lake Shore Bancorp, Inc. | 34.41m | 4.15m | 70.74m | 115.00 | 17.25 | -- | 18.87 | 2.72 | 0.7148 | 0.7148 | 4.48 | -- | -- | -- | -- | -- | -- | 0.7579 | -- | -- | -- | -- | 15.97 | 20.50 | -- | -- | -- | 18.99 | 26.17 | 9.40 | -15.56 | 3.80 | -13.73 | -- |
| Magyar Bancorp Inc | 43.87m | 7.65m | 72.93m | 89.00 | 9.23 | -- | 11.40 | 2.37 | 1.20 | 1.20 | 4.82 | -- | -- | -- | -- | -- | -- | 0.7236 | -- | -- | -- | -- | 24.89 | 19.98 | -- | -- | -- | -- | 29.03 | 9.35 | -2.65 | 30.59 | 1.70 | -- |
| Security Federal Corp | 69.48m | 9.27m | 74.19m | 258.00 | 8.04 | 0.8096 | 6.46 | 1.53 | 2.86 | 2.86 | 14.96 | 54.13 | -- | -- | -- | -- | 0.6339 | 0.7942 | -- | -- | -- | -- | 19.11 | 21.70 | -- | -- | -- | 16.68 | 52.61 | 14.46 | -0.3715 | 7.17 | -0.0951 | 7.63 |
| Cullman Bancorp, Inc. | 19.46m | 3.90m | 74.26m | 57.00 | 18.68 | 0.7335 | 16.63 | 4.40 | 0.547 | 0.547 | 2.35 | 13.93 | -- | -- | -- | -- | 0.947 | -- | -- | -- | -- | -- | 23.40 | -- | -- | -- | -- | -- | 17.73 | -- | -5.47 | -- | -- | -- |
| Territorial Bancorp Inc | 70.36m | 2.20m | 74.99m | 232.00 | 33.38 | 0.2997 | 22.92 | 1.79 | 0.2544 | 0.2544 | 4.85 | 28.33 | -- | -- | -- | -- | 0.1012 | 0.7438 | -- | -- | -- | -- | 5.34 | 26.76 | -- | -- | -- | 60.73 | 10.18 | -1.18 | -68.99 | -23.60 | 13.54 | -2.50 |
| Riverview Bancorp Inc | 56.56m | 3.80m | 84.23m | 229.00 | 22.25 | 0.5414 | 9.68 | 1.74 | 0.1793 | 0.1793 | 2.29 | 7.37 | -- | -- | -- | -- | 0.2442 | 0.9448 | -- | -- | -- | -- | 7.86 | 24.39 | -- | -- | -- | 31.41 | 1.60 | 2.55 | -78.98 | -26.13 | -- | 11.38 |
| Provident Financial Holdings, Inc. | 53.73m | 7.21m | 86.25m | 161.00 | 12.19 | 0.6678 | 8.38 | 2.19 | 1.03 | 1.03 | 5.61 | 18.78 | -- | -- | -- | -- | 0.549 | 0.6345 | -- | -- | -- | -- | 18.33 | 18.29 | -- | -- | -- | 55.40 | 32.43 | 1.49 | -5.51 | 16.93 | -23.93 | 0.00 |
| Oconee Federal Financial Corp | 18.29m | 4.11m | 87.65m | 79.00 | 17.49 | 1.15 | 17.02 | 5.10 | 0.7329 | 0.7329 | 3.07 | 11.14 | -- | -- | -- | -- | 0.7286 | 0.7612 | -- | -- | -- | -- | 23.90 | 23.31 | -- | -- | -- | 56.27 | -1.46 | -0.8648 | 0.9125 | -5.76 | 1.88 | 0.00 |
| HMN Financial, Inc. | 45.56m | 5.69m | 100.82m | 161.00 | 17.38 | 0.9259 | 13.20 | 2.64 | 1.30 | 1.30 | 8.73 | 24.39 | -- | -- | -- | -- | 0.5119 | 0.9597 | -- | -- | -- | -- | 14.89 | 22.21 | -- | -- | -- | 5.15 | 26.92 | 7.43 | -25.36 | -6.12 | -22.66 | -- |
| Finward Bancorp | 87.63m | 15.42m | 105.69m | 276.00 | 6.79 | 0.6972 | 8.13 | 1.44 | 3.61 | 3.61 | 17.18 | 35.17 | -- | -- | -- | -- | 0.7395 | 0.8185 | -- | -- | -- | -- | 21.04 | 20.36 | -- | -- | -- | 34.16 | 19.09 | 16.81 | -44.43 | -2.14 | 2.57 | -2.31 |
| Citizens Community Bancorp Inc. | 87.25m | 13.49m | 118.74m | 214.00 | 8.85 | 0.6871 | 7.11 | 2.02 | 1.29 | 1.29 | 5.61 | 16.61 | -- | -- | -- | -- | 0.7329 | 0.8942 | -- | -- | -- | -- | 22.98 | 23.06 | -- | -- | -- | 17.32 | 21.40 | -- | -26.47 | -- | -- | -- |
| BV Financial Inc | -100.00bn | -100.00bn | 121.15m | 34.00 | -- | 0.621 | -- | -- | -- | -- | -- | 17.15 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 13.52 | -- | 11.47 | -- | -- | -- |
Data as of May 17 2024. Currency figures normalised to HMN Financial Inc's reporting currency: US Dollar USD
54.49%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| AllianceBernstein LPas of 31 Mar 2024 | 439.70k | 9.85% |
| M3F, Inc.as of 31 Mar 2024 | 331.01k | 7.42% |
| Tontine Associates LLCas of 31 Mar 2024 | 323.58k | 7.25% |
| Fourthstone LLCas of 31 Mar 2024 | 298.59k | 6.69% |
| FJ Capital Management LLCas of 31 Mar 2024 | 283.45k | 6.35% |
| Dimensional Fund Advisors LPas of 31 Mar 2024 | 269.78k | 6.05% |
| Grace & White, Inc.as of 31 Mar 2024 | 204.99k | 4.59% |
| Choreo LLCas of 31 Mar 2024 | 128.68k | 2.88% |
| Bridgeway Capital Management LLCas of 31 Mar 2024 | 79.00k | 1.77% |
| Renaissance Technologies LLCas of 31 Mar 2024 | 72.83k | 1.63% |
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Data from 31 Mar 2024 - 31 Mar 2024Source: FactSet Research Systems Inc.
