Financial Snapshot

Revenue
$36.11M
TTM
Gross Margin
Net Earnings
$5.238M
TTM
Current Assets
Current Liabilities
$7.167M
Q2 2024
Current Ratio
Total Assets
Q2 2024
Total Liabilities
Q2 2024
Book Value
$110.3M
Q2 2024
Cash
Q2 2024
P/E
23.86
Oct 09, 2024 EST
Free Cash Flow
$13.70M
TTM

Revenues

Revenues

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Revenue YoY Change

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Revenues

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Expenses

Cost Of Revenues

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Gross Profit

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Gross Profit Margin

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Gross Profit

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Selling, General & Admin Expense

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Research & Development

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Depreciation, Depletion & Amortization

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SGA Expense to Gross Profit Ratio

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R&D To Gross Profit Ratio

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DDA To Gross Profit Ratio

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Operating Expenses Total

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Operating Profits/Loss

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Operational Expenses

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Interest Expenses

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Interest Expenses To Operating Income %

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Other Expense/Income

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Interest & Other Expense/Income

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Income/Loss

Pretax Income

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Income Tax

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Net Profits/Loss

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Pretax Income YoY Change

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Income Tax Rate

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Net Profits/Loss YoY Change

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Basic EPS

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Net Income To Revenue Ratio

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Pretax & Net Income

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Assets & Liabilities

Cash & Short-Term Investments

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Cash & Equivalents

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Cash To Operating Expenses Ratio

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Inventory

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Receivables

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Total Short-Term Assets

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Property, Plant And Equipment

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Long-Term Investments

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Total Long-Term Assets

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Total Assets

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Net Income To Total Assets Percentage

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Accounts Payable

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Short-Term Debt

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Long Term Debt Due

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Total Short-Term Liabilities

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Long-Term Debt

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Other Long-Term Liabilities

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Total Long-Term Liabilities

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Total Liabilities

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Short-Term To Long-Term Debt Ratio

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Short-Term Assets To Debt Ratio

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Long-Term Debt To Net Income Ratio

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Assets & Liabilities

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Ownership

Basic Shares Outstanding

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Diluted Shares Outstanding

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Preferred Stock

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Treasury Stock Shares

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Stock Issuance & Repurchase

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Ownership Data

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Return On Shareholders' Equity

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Book Value

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Free Cash Flow

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Free Cash Flow YoY

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Free Cash Flow Margin

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Dividends

Dividends

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Stock Price

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Market Cap: $124.97 Million

About HMN FINANCIAL INC

HMN Financial, Inc. is a stock savings bank holding company which operates retail banking and loan production facilities in Minnesota, Iowa, and Wisconsin. The company is headquartered in Rochester, Minnesota and currently employs 161 full-time employees. The firm 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. The company 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. The company makes construction loans to individuals for the construction of their residences and to builders for the construction of single family residences.

Industry: Savings Institution, Federally Chartered Peers: CF Bankshares Inc ECB Bancorp Inc Finance of America Companies Inc Magyar Bancorp Inc Rhinebeck Bancorp Inc Provident Financial Holdings Inc Rocket Companies Inc