Provides auto insurance to educators and their families. Offers property insurance, including homeowners and renters insurance. Now — the numbers.
That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.
This is an established company with proven profits.
The market pays 12.1× for every dollar of annual profit — cheap, which is either an opportunity or a warning.
Against companies in its own sector, it looks cheaper than 96% of them.
Analysts' average target sits 21% above today's price.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly above the class average — a step short of the very top.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price looks reasonable next to what the company earns.
There is growth, but not at top-of-the-class tempo.
The price is looking for direction — no strong breakout, no collapse.
No real weak spot in any of the five subjects — a balanced report card.
The stock trades below its recent peak — about 10% off the top. A pullback, not a collapse.
It met or beat analyst expectations in 8 of the last 8 quarters — consistency is a promise kept.
It pays out $1.42 per share each year — regular cash for whoever holds the stock.
No clear buy-side message is coming from the executive floor.
On our five-subject report card, HMN sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: HMN is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.