HMN Financial Inc
NASDAQ:HMNF

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HMN Financial Inc
NASDAQ:HMNF
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Price: 27.99 USD -2.13%
Market Cap: $125m

Net Margin

13.7%
Current
Declining
by 3.2%
vs 3-y average of 16.9%

Net Margin shows how much profit a company keeps from each dollar of sales after all expenses, including taxes and interest. It reflects the company`s overall profitability.

Net Margin
13.7%
=
Net Income
$5.2m
/
Revenue
$38.2m

Net Margin shows how much profit a company keeps from each dollar of sales after all expenses, including taxes and interest. It reflects the company`s overall profitability.

Net Margin
13.7%
=
Net Income
$5.2m
/
Revenue
$38.2m

Peer Comparison

Country Company Market Cap Net
Margin
US
HMN Financial Inc
NASDAQ:HMNF
125m USD
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US
Rocket Companies Inc
NYSE:RKT
50.5B USD
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US
Mr Cooper Group Inc
NASDAQ:COOP
13.5B USD
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US
Federal National Mortgage Association
OTC:FNMA
9.5B USD
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US
UWM Holdings Corp
NYSE:UWMC
7.9B USD
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BM
Essent Group Ltd
NYSE:ESNT
6.2B USD
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US
MGIC Investment Corp
NYSE:MTG
6.1B USD
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US
Enact Holdings Inc
NASDAQ:ACT
5.8B USD
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US
Axos Financial Inc
NYSE:AX
5.6B USD
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US
PennyMac Financial Services Inc
NYSE:PFSI
5.1B USD
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US
Federal Home Loan Mortgage Corp
OTC:FMCC
4.7B USD
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Market Distribution

Higher than 74% of companies in the United States of America
Percentile
74th
Based on 15 072 companies
74th percentile
13.7%
Low
-4 418 600% — -9.6%
Typical Range
-9.6% — 11.3%
High
11.3% — 1 135 400%
Distribution Statistics
the United States of America
Min -4 418 600%
30th Percentile -9.6%
Median 3.1%
70th Percentile 11.3%
Max 1 135 400%

Other Profitability Ratios

HMN Financial Inc
Glance View

Market Cap
125m USD
Industry
Financial Services

HMN Financial, Inc. is a stock savings bank holding company, engages retail banking and loan production facilities in Minnesota, Iowa, and Wisconsin. The company is headquartered in Rochester, Minnesota and currently employs 163 full-time employees. The Bank operates in retail banking and loan production facilities in Minnesota, Iowa and Wisconsin and offers financial planning products and services. HMN provides a range of consumer loan products that include both open and closed-end home equity loans. HMN also offers a variety of deposit accounts to retail and commercial clients. The Bank's deposits consist of savings, interest-bearing checking, non-interest-bearing checking, money market and certificate accounts, including individual retirement accounts. HMN invests in mortgage-backed and related securities, the United States government agency obligations. HMN’s loan portfolio includes single-family, real estate rental and leasing, other consumer commercial business. The Company’s subsidiaries include Osterud Insurance Agency, Inc. (OIA) and HFSB Property Holdings, LLC (HPH).

HMNF Intrinsic Value
16.08 USD
Overvaluation 43%
Intrinsic Value
Price
What is Net Margin?
Net Margin shows how much profit a company keeps from each dollar of sales after all expenses, including taxes and interest. It reflects the company`s overall profitability.
How is Net Margin calculated?

Net Margin is calculated by dividing the Net Income by the Revenue.

Net Margin
13.7%
=
Net Income
$5.2m
/
Revenue
$38.2m
What is HMN Financial Inc's current Net Margin?

The current Net Margin for HMN Financial Inc is 13.7%, which is below its 3-year median of 16.9%.

How has Net Margin changed over time?

Over the last 3 years, HMN Financial Inc’s Net Margin has decreased from 30.1% to 13.7%. During this period, it reached a low of 13.7% on Jul 30, 2024 and a high of 31.6% on Sep 30, 2021.

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