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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 |
HMN Financial, Inc. Announces Second Quarter Results
HMN Financial, Inc. Announces First Quarter Results
HMN Financial, Inc. Announces Fourth Quarter Results and Annual Meeting
HMN Financial, Inc. Announces Third Quarter Results
HMN Financial, Inc. Announces Second Quarter Results
HMN Financial, Inc. Announces Election Results
HMN Financial, Inc. Announces First Quarter Results
HMN Financial, Inc. Announces Closing of Sale of Toledo, Iowa Branch of Home Federal Savings Bank
HMN Financial, Inc. Announces Annual Meeting
HMN Financial, Inc. Announces Fourth Quarter Results
Source: https://incomestatements.info
Category: Stock Reports