HMN FINANCIAL, INC.
None
None, None [HQ]
Ratios
15 Records · Starting from 2009Margins, Growth Rates In %
| Ratio | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||||||||
| Gross Margin | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | |
| Profit Margin | -25.71 | -75.70 | -32.76 | 16.66 | 95.81 | 26.47 | 10.91 | 18.38 | 13.10 | 22.97 | 21.06 | 23.38 | 30.50 | 19.55 | 13.81 | |
| Operating Margin | 17.78 | -14.10 | -1.19 | 39.43 | 55.87 | 48.39 | 22.42 | 34.92 | 31.55 | 37.25 | 30.04 | 32.61 | 42.56 | 32.25 | 19.67 | |
|
EPS Growth
|
-5.42 | -163.36 | 60.99 | 129.33 | 598.86 | -77.24 | -50.71 | 120.29 | -31.58 | 65.39 | -1.74 | 31.95 | 35.87 | -38.94 | -25.41 | |
| EPS USD | -292.00 | -769.00 | -300.00 | 88.00 | 615.00 | 140.00 | 69.00 | 152.00 | 104.00 | 172.00 | 169.00 | 223.00 | 303.00 | 185.00 | 138.00 | |
| Return on Assets (ROA) | -1.04 | -3.29 | -1.46 | 0.81 | 4.11 | 1.28 | 0.46 | 0.93 | 0.61 | 1.16 | 1.00 | 1.13 | 1.27 | 0.73 | 0.54 | |
| Return on Equity (ROE) | -10.80 | -41.67 | -20.25 | 8.75 | 31.13 | 9.71 | 4.24 | 8.36 | 5.45 | 9.91 | 8.41 | 9.98 | 12.33 | 8.27 | 5.58 | |
| Return on Invested Capital (ROIC) | 2.10 | -3.59 | -0.33 | 9.39 | 39.48 | 10.66 | 5.00 | 8.72 | 6.56 | 11.89 | 8.33 | 9.89 | 12.30 | 9.71 | 4.96 | |
| Solvency | ||||||||||||||||
| Equity Ratio | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | |
| Debt/Assets | 12.92 | 13.91 | 8.86 | 10.71 | - - | - - | 1.40 | 1.17 | - - | - - | 0.11 | 0.10 | 0.02 | 0.02 | 1.21 | |
| Debt/Equity | 134.01 | 176.14 | 122.68 | 115.07 | - - | - - | 12.92 | 10.54 | - - | - - | 0.96 | 0.87 | 0.20 | 0.24 | 12.45 | |
| Debt/EBITDA | 1,192.02 | -3,056.88 | 153.30 | -94.76 | -708.88 | -319.74 | -418.06 | -151.10 | -307.75 | -137.28 | -307.46 | -491.45 | -441.97 | -231.87 | 27.62 | |
|
Debt/Capitalization
|
57.27 | 63.79 | 55.09 | 53.50 | - - | - - | 11.44 | 9.53 | - - | - - | 0.95 | 0.86 | 0.20 | 0.24 | 11.07 | |
| Long-Term Debt/Capitalization | 57.27 | 63.79 | 55.09 | 53.50 | - - | - - | 11.44 | 8.44 | - - | - - | - - | - - | - - | - - | 10.92 | |
| Interest Debt per Share USD | 42.70 | 37.10 | 21.05 | 19.62 | 0.82 | 0.30 | 2.55 | 2.30 | 0.42 | 0.47 | 0.92 | 0.81 | 0.40 | 0.51 | 6.01 | |
| Debt Growth | -6.02 | -8.53 | -42.86 | - - | -100.00 | - - | - - | -22.22 | -100.00 | - - | - - | -19.93 | -87.90 | 35.97 | 2,435.27 | |
| Liquidity | ||||||||||||||||
| Current Ratio | 41,013.19 | 65,752.56 | 83,921.67 | 226,125.91 | 364,552.74 | 463,551.61 | 215,630.58 | 251,043.64 | 434,319.18 | 179,129.48 | 36,724.29 | 169,615.00 | 606,412.70 | 95,731.88 | 5.84 | |
| Quick Ratio | 41,013.19 | 65,752.56 | 83,921.67 | 226,125.91 | 364,552.74 | 463,551.61 | 215,630.58 | 251,043.64 | 434,319.18 | 179,129.48 | 47,969.52 | 233,451.43 | 759,690.48 | 108,907.05 | 347.46 | |
| Cash Ratio | 778.84 | 1,921.34 | 8,697.44 | 33,870.45 | 82,661.64 | 50,144.09 | 16,438.84 | 11,678.39 | 25,728.77 | 5,985.26 | 10,571.19 | 61,620.71 | 149,433.33 | 12,167.45 | 4.43 | |
| Operating Cash Flow Ratio | 700 | 2,300 | 2,200 | 6,800 | 13,000 | 18,600 | 4,400 | 10,800 | 11,600 | 5,100 | 3,600 | 12,100 | 38,500 | 10,500 | - - | |
| Turnover | ||||||||||||||||
| Inventory Turnover | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | |
| Receivables Turnover | 1,043.37 | 1,156.21 | 1,440.38 | 1,582.46 | 1,425.29 | 1,627.55 | 1,201.95 | 1,315.80 | 1,433.83 | 1,522.16 | 1,643.98 | 1,420.44 | 2,085.88 | 1,370.06 | 1,223.67 | |
| Payables Turnover | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | |
|
Asset Turnover
|
4.05 | 4.35 | 4.46 | 4.89 | 4.29 | 4.83 | 4.21 | 5.07 | 4.65 | 5.03 | 4.76 | 4.84 | 4.16 | 3.75 | 3.93 | |
| Fixed Turnover | 389.98 | 405.10 | 442.76 | 445.20 | 414.78 | 399.31 | 362.73 | 420.20 | 408.57 | 372.21 | 351.94 | 434.84 | 255.98 | 249.47 | 266.81 | |
| Coverage | ||||||||||||||||
| Interest Coverage | 31.28 | -31.26 | -3.77 | 176.38 | 472.88 | 1,114.12 | 403.05 | 757.38 | 590.04 | 598.16 | 332.94 | 504.03 | 1,218.87 | 663.83 | 67.24 | |
| Asset Coverage | 700 | 700 | 1,100 | 900 | - - | - - | 7,100 | 9,700 | - - | - - | 19,100 | 28,000 | 272,000 | 205,000 | 6,300 | |
| Cash Flow Coverage (CFGR) | 11.53 | 20.86 | 24.77 | 24.05 | - - | - - | 120.22 | 318.91 | - - | - - | 1,713.75 | 1,890.85 | 11,199.54 | 13,496.12 | 57.26 | |
| EBITDA Coverage | - - | - - | - - | 200 | 500 | 1,200 | 400 | 800 | 600 | 600 | 300 | 500 | 1,300 | 700 | - - | |
| Dividend Coverage | 900 | 2,200 | - - | - - | - - | -100 | -1,300 | - - | - - | - - | - - | - - | - - | -700 | -400 | |
| Time Interest Earned (TIE) | -100 | - - | - - | -100 | -200 | -100 | -100 | -100 | -100 | -100 | -100 | -100 | -100 | -100 | -100 | |
| Market Prospects | ||||||||||||||||
| Dividend Yield | 7.49 | 12.28 | - - | - - | - - | 11.88 | 0.47 | - - | - - | - - | - - | - - | - - | 1.13 | 1.31 | |
| Earnings Yield | -69.55 | -273.78 | -154.57 | 39.00 | 63.07 | 14.70 | 6.20 | 8.69 | 5.45 | 8.77 | 8.05 | 12.96 | 12.30 | 8.65 | 6.00 | |
|
Price/Earnings (P/E)
|
-1.4378 | -0.3653 | -0.6470 | 2.5641 | 1.5854 | 6.8046 | 16.1276 | 11.5132 | 18.3654 | 11.4070 | 12.4299 | 7.7189 | 8.1324 | 11.5600 | 16.6619 | |
| Price/Earnings Growth (PEG) | -26.55 | -0.22 | 1.06 | -1.98 | 0.26 | -8.81 | -31.80 | 9.57 | -58.16 | 17.45 | -712.65 | 24.16 | 22.67 | -29.68 | -65.58 | |
|
Price/Book (P/B)
|
15.53 | 15.22 | 13.10 | 22.43 | 49.35 | 66.06 | 68.45 | 96.30 | 100.08 | 112.99 | 104.55 | 77.02 | 100.25 | 95.55 | 92.90 | |
| Price/Tangible Book (P/TB) | 15.53 | 15.22 | 13.10 | 22.43 | 49.35 | 66.06 | 68.45 | 96.30 | 100.08 | 112.99 | 104.55 | 77.02 | 100.25 | 95.55 | 92.90 | |
| Price/Sales (P/S) | 36.97 | 27.65 | 21.19 | 42.72 | 151.90 | 180.10 | 175.97 | 211.58 | 240.65 | 261.97 | 261.76 | 180.47 | 248.05 | 226.04 | 230.13 | |
|
Price/Cash Flow (P/CF)
|
100.48 | 41.42 | 43.11 | 81.03 | 222.64 | 289.50 | 440.60 | 286.55 | 474.57 | 527.53 | 637.23 | 469.36 | 453.89 | 297.02 | 1,302.80 | |
| Price/Free CF (P/FCF) | 104.25 | 41.90 | 43.62 | 82.48 | 227.73 | 304.37 | 475.92 | 305.82 | 504.50 | 613.56 | 746.90 | 490.62 | 689.69 | 300.30 | 1,431.61 | |
| Price/Operating CF (P/OCF) | 100.48 | 41.42 | 43.11 | 81.03 | 222.64 | 289.50 | 440.60 | 286.55 | 474.57 | 527.53 | 637.23 | 469.36 | 453.89 | 297.02 | 1,302.80 |