See more : Haria Exports Limited (HARIAEXPO.BO) Income Statement Analysis – Financial Results
Complete financial analysis of HMN Financial, Inc. (HMNF) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of HMN Financial, Inc., a leading company in the Banks – Regional industry within the Financial Services sector.
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HMN Financial, Inc. (HMNF)
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 offers financial planning products and services; and invests in mortgage-backed and related securities, the United States government agency obligations, and other permissible investments. It operates through 14 full service branches located in Minnesota, Wisconsin, and Iowa; and two loan origination offices in Sartell, Minnesota and La Crosse, Wisconsin. HMN Financial, Inc. was founded in 1934 and is headquartered in Rochester, Minnesota.
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 | 1996 | 1995 | 1994 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 43.48M | 41.14M | 44.47M | 44.06M | 37.01M | 35.86M | 33.61M | 34.55M | 27.09M | 27.88M | 27.84M | 31.93M | 35.28M | 38.28M | 41.99M | 40.67M | 46.29M | 45.13M | 42.28M | 36.59M | 34.90M | 27.45M | 24.61M | 23.24M | 22.50M | 19.50M | 18.10M | 17.60M | 16.80M | 14.80M |
| Cost of Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 43.48M | 41.14M | 44.47M | 44.06M | 37.01M | 35.86M | 33.61M | 34.55M | 27.09M | 27.88M | 27.84M | 31.93M | 35.28M | 38.28M | 41.99M | 40.67M | 46.29M | 45.13M | 42.28M | 36.59M | 34.90M | 27.45M | 24.61M | 23.24M | 22.50M | 19.50M | 18.10M | 17.60M | 16.80M | 14.80M |
| Gross Profit Ratio | 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% | 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% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 3.24M | 17.21M | 16.11M | 15.65M | 15.66M | 14.73M | 15.01M | 14.76M | 14.11M | 13.77M | 13.55M | 13.71M | 16.03M | 16.49M | 16.59M | 13.86M | 12.49M | 11.87M | 11.14M | 10.19M | 8.68M | 8.01M | 7.91M | 6.39M | 6.10M | 6.80M | 5.60M | 4.60M | 4.20M | 3.50M |
| Selling & Marketing | 21.74M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 422.00K | 542.00K | 475.26K | 384.18K | 430.42K | 392.83K | 521.90K | 426.36K | 303.05K | 300.00K | 400.00K | 300.00K | 300.00K | 300.00K | 300.00K |
| SG&A | 24.98M | 17.21M | 16.11M | 15.65M | 15.66M | 14.73M | 15.01M | 14.76M | 14.11M | 13.77M | 13.55M | 13.71M | 16.03M | 16.49M | 16.59M | 14.28M | 13.03M | 12.34M | 11.52M | 10.62M | 9.07M | 8.53M | 8.34M | 6.69M | 6.40M | 7.20M | 5.90M | 4.90M | 4.50M | 3.80M |
| Other Expenses | -34.92M | -45.08M | -41.66M | -45.34M | -41.55M | -38.50M | -38.01M | -37.25M | -35.13M | -28.16M | -25.83M | -33.05M | -51.72M | -60.17M | -51.11M | -37.27M | -1.93M | -14.98M | -11.49M | -12.54M | -11.04M | -7.32M | 5.59M | 13.57M | 10.40M | 11.30M | 10.60M | 8.50M | 10.30M | 7.30M |
| Operating Expenses | -34.92M | -27.87M | -25.54M | -29.69M | -25.89M | -22.51M | -23.01M | -22.49M | -21.02M | -14.39M | -12.28M | -19.34M | -35.70M | -43.68M | -34.52M | -22.99M | 11.10M | -2.63M | 36.50K | -1.92M | -1.97M | 1.21M | 13.93M | 20.26M | 16.80M | 18.50M | 16.50M | 13.40M | 14.80M | 11.10M |
| Cost & Expenses | -34.92M | -27.87M | -25.54M | -29.69M | -25.89M | -22.51M | -23.01M | -22.49M | -21.02M | -14.39M | -12.28M | -19.34M | -35.70M | -43.68M | -34.52M | -22.99M | 11.10M | -2.63M | 36.50K | -1.92M | -1.97M | 1.21M | 13.93M | 20.26M | 16.80M | 18.50M | 16.50M | 13.40M | 14.80M | 11.10M |
| Interest Income | 8.28M | 34.26M | 31.76M | 31.96M | 31.89M | 30.38M | 27.68M | 27.35M | 21.45M | 20.61M | 22.98M | 30.82M | 39.54M | 48.27M | 57.77M | 66.51M | 77.52M | 67.53M | 60.28M | 51.62M | 44.94M | 42.87M | 51.47M | 52.92M | 47.10M | 48.80M | 41.10M | 39.90M | 38.40M | 32.30M |
| Interest Expense | 12.72M | 2.00M | 1.55M | 2.85M | 3.34M | 2.23M | 1.80M | 1.59M | 1.51M | 1.21M | 3.29M | 7.14M | 11.14M | 17.26M | 23.87M | 32.80M | 38.82M | 28.84M | 24.51M | 20.99M | 20.29M | 21.29M | 30.44M | 33.00M | 28.90M | 31.90M | 25.70M | 24.20M | 22.60M | 18.10M |
| Depreciation & Amortization | 1.12M | 1.23M | 2.27M | 2.51M | 2.03M | 1.78M | 1.65M | 850.00K | 1.29M | 1.09M | 1.47M | 1.82M | 1.83M | 2.08M | 2.39M | 1.97M | 2.06M | 20.22K | 1.26M | 1.25M | 3.80M | 2.55M | 1.64M | 1.57M | 1.50M | 2.60M | 500.00K | 0.00 | -400.00K | -200.00K |
| EBITDA | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 31.00M | 0.00 | 0.00 |
| EBITDA Ratio | 19.67% | 37.45% | 47.70% | 38.34% | 35.47% | 42.06% | 36.32% | 39.38% | 27.18% | 52.31% | 61.16% | 45.14% | 3.99% | -8.68% | 23.48% | 48.34% | 128.43% | 94.21% | 103.06% | 98.17% | 105.24% | 113.71% | 163.25% | 193.93% | 181.33% | 208.21% | 193.92% | 176.14% | 185.71% | 173.65% |
| Operating Income | 8.55M | 13.27M | 18.93M | 14.37M | 11.12M | 13.36M | 10.60M | 12.07M | 6.07M | 13.49M | 15.55M | 12.59M | -420.00K | -5.40M | 7.47M | 17.69M | 57.40M | 42.49M | 42.32M | 34.67M | 32.93M | 28.66M | 38.54M | 43.50M | 39.30M | 38.00M | 34.60M | 31.00M | 31.60M | 25.90M |
| Operating Income Ratio | 19.67% | 32.25% | 42.56% | 32.61% | 30.04% | 37.25% | 31.55% | 34.92% | 22.42% | 48.39% | 55.87% | 39.43% | -1.19% | -14.10% | 17.78% | 43.48% | 123.98% | 94.16% | 100.09% | 94.75% | 94.35% | 104.42% | 156.60% | 187.19% | 174.67% | 194.87% | 191.16% | 176.14% | 188.10% | 175.00% |
| Total Other Income/Expenses | 8.55M | -4.44M | 18.93M | 14.37M | 11.12M | -3.95M | -3.79M | -2.91M | -3.61M | -2.15M | -5.32M | -884.00K | -11.56M | -22.66M | -16.40M | -15.11M | 18.57M | -28.84M | 17.80M | -20.99M | -20.29M | -21.29M | -30.44M | -33.00M | -28.90M | -31.90M | -25.70M | 2.60M | -22.60M | -18.10M |
| Income Before Tax | 8.55M | 11.27M | 18.93M | 14.37M | 11.12M | 11.12M | 8.81M | 10.47M | 4.57M | 12.28M | 12.26M | 5.45M | -11.56M | -22.66M | -16.40M | -15.11M | 18.57M | 13.65M | 17.80M | 13.68M | 12.64M | 7.36M | 8.09M | 10.50M | 10.40M | 6.10M | 8.90M | 6.80M | 9.00M | 7.80M |
| Income Before Tax Ratio | 19.67% | 27.39% | 42.56% | 32.61% | 30.04% | 31.02% | 26.20% | 30.31% | 16.86% | 44.05% | 44.06% | 17.08% | -32.76% | -59.18% | -39.07% | -37.16% | 40.12% | 30.25% | 42.11% | 37.38% | 36.22% | 26.83% | 32.88% | 45.18% | 46.22% | 31.28% | 49.17% | 38.64% | 53.57% | 52.70% |
| Income Tax Expense | 2.55M | 3.23M | 5.37M | 4.07M | 3.32M | 2.89M | 4.40M | 4.12M | 1.61M | 4.90M | -14.41M | 132.00K | 0.00 | 6.32M | -5.61M | -4.98M | 7.30M | 5.23M | 6.74M | 4.39M | 4.04M | 2.10M | 2.63M | 3.80M | 4.00M | 2.00M | 3.30M | 2.50M | 3.40M | 3.10M |
| Net Income | 6.01M | 8.05M | 13.56M | 10.30M | 7.79M | 8.24M | 4.40M | 6.35M | 2.96M | 7.38M | 26.67M | 5.32M | -11.56M | -28.98M | -10.80M | -10.13M | 11.27M | 8.43M | 11.07M | 9.29M | 8.61M | 5.27M | 5.46M | 6.70M | 6.40M | 4.10M | 5.60M | 4.30M | 5.60M | 4.70M |
| Net Income Ratio | 13.81% | 19.55% | 30.50% | 23.38% | 21.06% | 22.97% | 13.10% | 18.38% | 10.91% | 26.47% | 95.81% | 16.66% | -32.76% | -75.70% | -25.71% | -24.90% | 24.35% | 18.68% | 26.18% | 25.39% | 24.65% | 19.18% | 22.18% | 28.84% | 28.44% | 21.03% | 30.94% | 24.43% | 33.33% | 31.76% |
| EPS | 1.38 | 1.85 | 3.03 | 2.23 | 1.69 | 1.72 | 1.04 | 1.52 | 0.69 | 1.40 | 6.15 | 0.88 | -3.00 | -7.69 | -2.92 | -2.77 | 3.02 | 2.20 | 2.89 | 2.40 | 2.26 | 1.40 | 1.45 | 1.75 | 1.47 | 0.82 | 0.67 | 0.64 | 0.49 | 0.21 |
| EPS Diluted | 1.37 | 1.83 | 3.01 | 2.22 | 1.68 | 1.72 | 0.90 | 1.34 | 0.61 | 1.23 | 5.71 | 0.86 | -3.00 | -7.69 | -2.92 | -2.77 | 2.89 | 2.10 | 2.77 | 2.31 | 2.16 | 1.32 | 1.37 | 1.69 | 1.41 | 0.77 | 0.63 | 0.64 | 0.49 | 0.21 |
| Weighted Avg Shares Out | 4.35M | 4.36M | 4.47M | 4.62M | 4.61M | 4.79M | 4.23M | 4.18M | 4.13M | 4.05M | 4.00M | 3.93M | 3.85M | 3.77M | 3.70M | 3.66M | 3.73M | 3.83M | 3.83M | 3.87M | 3.81M | 3.76M | 3.76M | 3.83M | 4.35M | 5.00M | 6.21M | 6.72M | 11.51M | 22.03M |
| Weighted Avg Shares Out (Dil) | 4.38M | 4.39M | 4.50M | 4.65M | 4.64M | 4.79M | 4.89M | 4.74M | 4.67M | 4.61M | 4.31M | 4.02M | 3.85M | 3.77M | 3.70M | 3.66M | 3.90M | 4.01M | 4.00M | 4.02M | 3.98M | 3.99M | 3.98M | 3.97M | 4.54M | 5.32M | 6.21M | 6.72M | 11.51M | 22.03M |
HMNF Stock Alert: Halper Sadeh LLC Is Investigating Whether the Sale of HMN Financial, Inc. Is Fair to Shareholders
NEW YORK--(BUSINESS WIRE)--Halper Sadeh LLC, an investor rights law firm, is investigating whether the sale of HMN Financial, Inc. (NASDAQ: HMNF) to Alerus Financial Corporation for 1.25 shares of Alerus common stock for each share of HMN common stock is...
Alerus Financial Corporation and HMN Financial, Inc. Jointly Announce Strategic Transaction
GRAND FORKS, N.D. & ROCHESTER, Minn.--(BUSINESS WIRE)--Alerus Financial Corporation (“Alerus”) (Nasdaq: ALRS) and HMN Financial, Inc. (“HMNF”) (Nasdaq: HMNF) jointly announced today the signing of a definitive Agreement and Plan of Merger (the “Merger Agreement”) pursuant to which Alerus will...
ALERUS FINANCIAL CORPORATION AND HMN FINANCIAL, INC. JOINTLY ANNOUNCE STRATEGIC TRANSACTION
GRAND FORKS, N.D. & ROCHESTER, Minn., May 15, 2024 (GLOBE NEWSWIRE) -- Alerus Financial Corporation (“Alerus”) (Nasdaq: ALRS) and HMN Financial, Inc. (“HMNF”) (Nasdaq: HMNF) jointly announced today the signing of a definitive Agreement and Plan of Merger (the “Merger...
HMN Financial, Inc. Announces Dividend
ROCHESTER, Minn., April 24, 2024 (GLOBE NEWSWIRE) -- HMN Financial, Inc. (HMN or the Company) (Nasdaq:HMNF) today announced that its Board of Directors has declared a quarterly dividend of $0.10 per share of common stock, payable on June 7, 2024...
HMN FINANCIAL, INC. ANNOUNCES FIRST QUARTER RESULTS
First Quarter Summary Net income of $1.3 million, down $0.3 million, from $1.6 million for first quarter of 2023 Diluted earnings per share of $0.30, down $0.07, from $0.37 for first quarter of 2023 Net interest income of $7.3 million,...
HMN Financial, Inc. Announces Fourth Quarter Results and Declares Dividend
Fourth Quarter Summary Net income of $1.5 million, down $0.9 million from $2.4 million for fourth quarter of 2022 Diluted earnings per share of $0.33, down $0.23 from $0.56 for fourth quarter of 2022 Net interest income of $7.2 million,...
HMN Financial, Inc. Announces Dividend
ROCHESTER, Minn., Oct. 25, 2023 (GLOBE NEWSWIRE) -- HMN Financial, Inc. (HMN or the Company) (Nasdaq:HMNF) today announced that its Board of Directors has declared a quarterly dividend of $0.08 per share of common stock, payable on December 7, 2023...
HMN Financial, Inc. Announces Third Quarter Results
Third Quarter Summary Net income of $1.5 million, down $0.3 million, from $1.8 million for third quarter of 2022 Diluted earnings per share of $0.34, down $0.08, from $0.42 for third quarter of 2022 Net interest income of $7.8 million,...
HMN Financial, Inc. Announces Dividend
ROCHESTER, Minn., July 26, 2023 (GLOBE NEWSWIRE) -- HMN Financial, Inc. (HMN or the Company) (Nasdaq:HMNF) today announced that its Board of Directors has declared a quarterly dividend of $0.08 per share of common stock, payable on September 7, 2023...
HMN Financial, Inc. Announces Second Quarter Results
Second Quarter Summary Net income of $1.4 million, down $0.9 million, from $2.3 million for second quarter of 2022 Diluted earnings per share of $0.32, down $0.20, from $0.52 for second quarter of 2022 Net interest income of $7.7 million,...
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