HMN Financial Statistics

Total Valuation

HMN Financial has a market cap or net worth of $88.14 million. The enterprise value is $90.18 million.

Market Cap	88.14M
Enterprise Value	90.18M

Important Dates

The last earnings date was Thursday, April 18, 2024, after market close.

Earnings Date	Apr 18, 2024
Ex-Dividend Date	Feb 12, 2024

Share Statistics

HMN Financial has 4.46 million shares outstanding. The number of shares has increased by 0.14% in one year.

Shares Outstanding	4.46M
Shares Change (YoY)	+0.14%
Shares Change (QoQ)	n/a
Owned by Insiders (%)	17.42%
Owned by Institutions (%)	60.11%
Float	2.38M

Valuation Ratios

The trailing PE ratio is 14.12.

PE Ratio	14.12
Forward PE	n/a
PS Ratio	2.30
Forward PS	n/a
PB Ratio	0.82
P/FCF Ratio	6.62
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 8.58, with an EV/FCF ratio of 6.77.

EV / Earnings	15.02
EV / Sales	2.35
EV / EBITDA	8.58
EV / EBIT	10.54
EV / FCF	6.77

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	0.12
Debt / EBITDA	1.26
Debt / FCF	0.99
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 5.80% and return on invested capital (ROIC) is 4.97%.

Return on Equity (ROE)	5.80%
Return on Assets (ROA)	0.50%
Return on Capital (ROIC)	4.97%
Revenue Per Employee	$238,043
Profits Per Employee	$37,298
Employee Count	161
Asset Turnover	0.04
Inventory Turnover	n/a

Taxes

In the past 12 months, HMN Financial has paid $2.55 million in taxes.

Income Tax	2.55M
Effective Tax Rate	29.79%

Stock Price Statistics

The stock price has increased by +1.84% in the last 52 weeks. The beta is 0.15, so HMN Financial's price volatility has been lower than the market average.

Beta (1Y)	0.15
52-Week Price Change	+1.84%
50-Day Moving Average	20.34
200-Day Moving Average	20.17
Relative Strength Index (RSI)	40.74
Average Volume (30 Days)	2,677

Short Selling Information

The latest short interest is 4,944, so 0.11% of the outstanding shares have been sold short.

Short Interest	4,944
Short Previous Month	7,204
Short % of Shares Out	0.11%
Short % of Float	0.21%
Short Ratio (days to cover)	1.76

Income Statement

In the last 12 months, HMN Financial had revenue of $38.33 million and earned $6.01 million in profits. Earnings per share was $1.37.

Revenue	38.33M
Gross Profit	38.33M
Operating Income	8.55M
Pretax Income	8.55M
Net Income	6.01M
EBITDA	10.51M
EBIT	8.55M
Earnings Per Share (EPS)	$1.37

Full Income Statement

Balance Sheet

The company has $11.15 million in cash and $13.20 million in debt, giving a net cash position of -$2.05 million or -$0.46 per share.

Cash & Cash Equivalents	11.15M
Total Debt	13.20M
Net Cash	-2.05M
Net Cash Per Share	-$0.46
Equity / Book Value	107.71M
Book Value Per Share	24.14
Working Capital	n/a

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $13.69 million and capital expenditures -$369,000, giving a free cash flow of $13.32 million.

Operating Cash Flow	13.69M
Capital Expenditures	-369,000
Free Cash Flow	13.32M
FCF Per Share	$2.97

Full Cash Flow Statement

Margins

Gross margin is 100.00%, with operating and profit margins of 22.32% and 15.67%.

Gross Margin	100.00%
Operating Margin	22.32%
Pretax Margin	22.32%
Profit Margin	15.67%
EBITDA Margin	27.41%
EBIT Margin	22.32%
FCF Margin	34.75%

Dividends & Yields

This stock pays an annual dividend of $0.32, which amounts to a dividend yield of 1.66%.

Dividend Per Share	$0.32
Dividend Yield	1.66%
Dividend Growth (YoY)	33.33%
Years of Dividend Growth	1
Payout Ratio	23.36%
Buyback Yield	-0.14%
Shareholder Yield	1.51%
Earnings Yield	6.81%
FCF Yield	15.11%

Dividend Details

Analyst Forecast

Price Target	n/a
Price Target Difference	n/a
Analyst Consensus	n/a
Analyst Count	n/a
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Splits

The last stock split was on May 26, 1998. It was a forward split with a ratio of 3:2.

Last Split Date	May 26, 1998
Split Type	Forward
Split Ratio	3:2

Scores

Altman Z-Score	n/a
Piotroski F-Score	4