HMNF Stock Price, HMN Financial Inc Quote, Chart

Market Summary

USD22.89-0.08

Delayed

-0.35%

HMNF Stock Price

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HMNF RSI Chart

HMNF Valuation

Market Cap

102.2M

Price/Earnings (Trailing)

17.96

Price/Sales (Trailing)

2.31

EV/EBITDA

1.37

Price/Free Cashflow

6.5

HMNF Price/Sales (Trailing)

HMNF Profitability

EBT Margin

18.23%

Return on Equity

5.23%

Return on Assets

0.49%

Free Cashflow Yield

15.38%

HMNF Fundamentals

HMNF Revenue

Revenue (TTM)

44.3M

Rev. Growth (Yr)

7.8%

Rev. Growth (Qtr)

-7.4%

HMNF Earnings

Earnings (TTM)

5.7M

Earnings Growth (Yr)

-19.34%

Earnings Growth (Qtr)

-9.23%

Breaking Down HMNF Revenue

Last 7 days

18.3%

Last 30 days

16.4%

Last 90 days

13.2%

Trailing 12 Months

26.3%

How does HMNF drawdown profile look like?

HMNF Financial Health

HMNF Investor Care

Dividend Yield

1.4%

Dividend/Share (TTM)

0.32

Buy Backs (1Y)

0.50%

Diluted EPS (TTM)

1.3

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
2024	44.3M	0	0	0
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
May 15, 2024	STATE STREET CORP	sold off	-100	-214,659	-	-%
May 15, 2024	MORGAN STANLEY	reduced	-0.66	-311	3,165	-%
May 15, 2024	Tower Research Capital LLC (TRC)	added	8.18	-66.00	8,651	-%
May 15, 2024	BRIDGEWAY CAPITAL MANAGEMENT, LLC	added	2.73	-101,808	1,666,980	0.03%
May 15, 2024	GENDELL JEFFREY L	unchanged	-	-614,796	6,827,480	0.26%
May 14, 2024	NORTHERN TRUST CORP	reduced	-6.00	-37,794	236,826	-%
May 14, 2024	Fourthstone LLC	added	16.46	403,440	6,300,250	2.05%
May 14, 2024	FJ Capital Management LLC	unchanged	-	-538,561	5,980,860	0.61%
May 14, 2024	M3F, Inc.	reduced	-0.03	-631,000	6,984,000	2.47%
May 14, 2024	ALLIANCEBERNSTEIN L.P.	unchanged	-	-835,426	9,277,630	-%

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
May 17, 2024	425	Prospectus Filed
May 17, 2024	8-K	Current Report
May 15, 2024	425	Prospectus Filed
May 15, 2024	425	Prospectus Filed
May 15, 2024	425	Prospectus Filed
May 15, 2024	425	Prospectus Filed
May 15, 2024	8-K	Current Report
May 07, 2024	10-Q	Quarterly Report
Apr 24, 2024	4	Insider Trading
Apr 24, 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	588.1B	174.7B	13.73%	46.82%	11.68	3.37	53.11%	19.83%
BAC	307.4B	137.9B	11.58%	38.08%	12.28	2.23	56.12%	-12.56%
WFC	213.0B	85.8B	6.86%	51.95%	11.35	2.48	35.02%	26.14%
C	122.2B	125.0B	10.16%	38.13%	15.29	0.98	37.85%	-
CFG	16.9B	10.4B	12.51%	41.04%	11.81	1.62	26.22%	-33.87%
KEY	14.5B	8.1B	6.72%	53.23%	16.61	1.78	32.15%	-50.93%
MID-CAP
CMA	7.3B	4.2B	10.08%	41.38%	10.46	1.71	34.68%	-45.96%
ZION	6.6B	4.1B	14.23%	65.05%	10.55	1.63	32.93%	-30.73%
ABCB	3.5B	1.3B	13.35%	57.95%	12.32	2.65	30.60%	-12.99%
ASB	3.4B	2.0B	11.57%	43.03%	20.88	1.65	47.11%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
AROW	417.1M	173.1M	15.06%	27.00%	14.3	2.41	26.54%	-34.86%
ALRS	390.4M	152.4M	-0.90%	32.84%	39.27	2.56	16.94%	-73.84%
ACNB	295.5M	98.7M	10.19%	20.01%	10.04	2.99	6.27%	-22.90%
ASRV	48.0M	62.5M	8.95%	-1.75%	-16.24	0.77	18.83%	-145.18%

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	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Revenue	-7.4%	11.00	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
EBITDA Margin	-5.0%	0.86*	0.90*	1.01*	1.11*	1.22*	1.27*	1.30*	1.38*	1.47*	1.55*	1.57*	1.55*	-	-	-	-	-	-	-	-	-
Interest Expenses	1.3%	7.00	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
Income Taxes	20.3%	1.00	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
Earnings Before Taxes	-2.6%	2.00	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
EBT Margin	-7.3%	0.18*	0.20*	0.24*	0.26*	0.31*	0.33*	0.34*	0.42*	0.52*	0.60*	0.63*	0.61*	-	-	-	-	-	-	-	-	-
Net Income	-9.2%	1.00	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
Net Income Margin	-6.9%	0.13*	0.14*	0.17*	0.19*	0.22*	0.23*	0.24*	0.30*	0.37*	0.43*	0.45*	0.44*	-	-	-	-	-	-	-	-	-
Free Cashflow	-78.8%	1.00	7.00	2.00	6.00	-1.30	5.00	9.00	7.00	11.00	-0.07	7.00	6.00	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Assets	4.0%	1,151	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
Cash Equivalents	350.5%	50.00	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
Net PPE	-1.4%	16.00	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
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	4.3%	1,042	999	1,052	1,007	971	999	958	986	929	960	927	873	866	806	797	765	689	685	672	634	637
Shareholder's Equity	1.0%	109	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
Retained Earnings	0.7%	143	142	141	140	139	138	136	135	133	131	129	126	121	118	115	112	109	108	106	104	101
Additional Paid-In Capital	0.0%	41.00	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
Shares Outstanding	0.1%	4.00	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	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Cashflow From Operations	-78.5%	1,475	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
Share Based Compensation	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	239	-	1.00	-
Cashflow From Investing	-128.5%	-4,151	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
Cashflow From Financing	173.3%	41,755	-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
Dividend Payments	-100.0%	-	349	348	348	261	259	262	262	266	-	-	-	-	-	-	-	-	-	-	-	-
Buy Backs	-100.0%	-	629	-	-	-	-	685	706	743	723	1,130	2,213	523	1,090	-	-	360	-	-	-	-

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HMNF Income Statement

2024-03-31

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

3 Months Ended

Mar. 31, 2024

Mar. 31, 2023

Interest income:

Loans receivable

$ 10,686

$ 9,003

Securities available for sale:

Mortgage-backed and related

514

652

Other marketable

409

143

Other

390

115

Total interest income

11,999

9,913

Interest expense:

Deposits

4,740

1,803

Customer escrows

0

32

Advances and other borrowings

3

15

Total interest expense

4,743

1,850

Net interest income

7,256

8,063

Provision for credit losses

^[1]

(209)

(8)

Net interest income after provision for credit losses

7,465

8,071

Non-interest income:

Gain on sales of loans

294

295

Other

493

426

Total non-interest income

1,907

1,928

Non-interest expense:

Compensation and benefits

4,697

4,805

Occupancy and equipment

852

950

Data processing

535

505

Professional services

321

237

Other

1,146

1,196

Total non-interest expense

7,551

7,693

Income before income tax expense

1,821

2,306

Income tax expense

503

672

Net income

1,318

1,634

Other comprehensive income (loss), net of tax

(8)

2,246

Comprehensive income available to common shareholders

$ 1,310

$ 3,880

Basic earnings per share (in dollars per share)

$ 0.3

$ 0.38

Diluted earnings per share (in dollars per share)

$ 0.3

$ 0.37

Financial Service [Member]

Non-interest income:

Revenue from Contract with Customer

$ 732

$ 807

Bank Servicing [Member]

Non-interest income:

Revenue from Contract with Customer

$ 388

$ 400

[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.

HMNF Balance Sheet

2024-03-31

Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Assets
Cash and cash equivalents	$ 50,230	$ 11,151
Securities available for sale (at fair value)	206,609	215,094
Loans held for sale	4,146	1,006
Loans receivable, net	856,560	845,692
Accrued interest receivable	3,674	3,553
Mortgage servicing rights, net	2,631	2,709
Premises and equipment, net	15,775	15,995
Goodwill	802	802
Prepaid expenses and other assets	3,614	3,962
Deferred tax asset, net	7,174	7,171
Total assets	1,151,215	1,107,135
Liabilities and Stockholders’ Equity
Deposits	1,030,918	976,793
Federal Home Loan Bank advances and other borrowings	0	13,200
Accrued interest payable	3,730	2,399
Customer escrows	3,425	2,246
Accrued expenses and other liabilities	4,318	4,790
Total liabilities	1,042,391	999,428
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 4,462,555 and 4,457,905	91	91
Additional paid-in capital	41,232	41,235
Retained earnings, subject to certain restrictions	143,248	142,278
Accumulated other comprehensive loss	(13,199)	(13,191)
Unearned employee stock ownership plan shares	(821)	(870)
Treasury stock, at cost 4,666,107 and 4,670,757 shares	(61,727)	(61,836)
Total stockholders’ equity	108,824	107,707
Total liabilities and stockholders’ equity	1,151,215	1,107,135
Collateralized Mortgage-Backed Securities [Member]
Assets
Securities available for sale (at fair value)	152,759	161,414
Other Debt Obligations [Member]
Assets
Securities available for sale (at fair value)	$ 53,850	$ 53,680

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 Fri May 17 2024, market cap of HMN Financial Inc is 102.2 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 Fri May 17 2024, HMNF's PE ratio (Price to Earnings) is 17.96 and Price to Sales (PS) ratio is 2.31. 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 0.077 (multiply by 100 for percentage) rate of return.