HMN FINANCIAL INC
HMNFFinancials · Savings Institution, Federally Chartered · DE · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $6.0M | $8.0M | $13.6M | $10.3M | $7.8M | $8.2M |
| Total assets | $1.11B | $1.10B | $1.07B | $909.6M | $777.6M | $712.3M |
| Total liabilities | $999.4M | $998.9M | $959.5M | $806.3M | $685.0M | $629.2M |
| Equity | $107.7M | $97.3M | $110.0M | $103.3M | $92.6M | $83.1M |
| EPS (diluted) | $1.37 | $1.83 | $3.01 | $2.22 | $1.68 | $1.71 |
| Shares out. | 4.5M | 4.6M | 4.8M | 4.8M | 4.8M | 4.5M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2023- Operating margin
- —
- Net margin
- —
- Return on equity
- 5.6%
- Return on assets
- 0.5%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 90.3%
- Debt / equity
- 9.28×
- Book value / share
- $24.02
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- −25.4%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2023- Accruals / assets
- −0.7%clean
- Piotroski F-Score
- 5/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 warning● 2 good- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- M3 Partners LpPassive (13G)Feb 13, 2025
- Fj Capital Management LlcPassive (13G)Feb 7, 2025
- Dimensional Fund Advisors LpPassive (13G)Jan 23, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Material events
SEC Form 8-K · most recent- Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Amended charter or bylawsOct 9, 2024
- Regulation FD disclosureSep 26, 2024
- Shareholder voteSep 13, 2024
- Results of operationsJul 24, 2024
- Results of operationsJul 23, 2024
- Director / officer changeMay 17, 2024
- Entered a material agreement · Regulation FD disclosureMay 15, 2024
- Shareholder vote · Regulation FD disclosureApr 24, 2024
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- SCHEDULE 13G/AFeb 13, 2025
- SCHEDULE 13G/AFeb 7, 2025
- SCHEDULE 13G/AJan 23, 2025
- SCHEDULE 13G/ANov 13, 2024
- 15-12GFORM 15-12GOct 23, 2024
- SC 13G/ASCHEDULE 13G/AOct 15, 2024
- 25-NSEOct 10, 2024
- 4FORM 4Oct 9, 2024
- 4FORM 4Oct 9, 2024
- 4FORM 4Oct 9, 2024
- 4FORM 4Oct 9, 2024
- 4FORM 4Oct 9, 2024
- 4FORM 4Oct 9, 2024
- 4FORM 4Oct 9, 2024
- 4FORM 4Oct 9, 2024
Event-driven situations (1)
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