HMNF — Stock Film
STOCK FILMSCENE 1/11HMNF · $27.99
Stock Expert AI presents
HMNF
HMN Financial, Inc
~4 min film100% real numbersplain English
WHAT DOES THIS COMPANY DO?
HMN Financial, Inc. What it actually does.

Provides savings accounts to individuals and businesses. Offers interest-bearing and non-interest-bearing checking accounts. Now — the numbers.

on the stock market since 1994
153 employees
$125M market value
WHERE DOES THE MONEY COME FROM?
25%Debit Card
Debit CardBank Servicing 23%Uninsured Investment Product Sales 22%Deposit Account 16%Other Fees and Service Charges 8%Other 5%
25% of all revenue comes from a single line: Debit Card.

Revenue is spread across several business lines; no single line carries the company.

Revenue last year:
$43.5M
The net profit left over:
$6M
Out of every $100 of revenue, $14 stays as net profit.
THE SLICE THAT TURNS INTO PROFIT: 14%

This is an established company with proven profits.

THE SALES TREND
Sales are moving sideways.

No real growth (4% a year).

$37M
2019
2020
2021
2022
$43.5M
2023
THE PRICE TAG
MARKET VALUE / ANNUAL PROFIT
20.8×

The market pays 20.8× for every dollar of annual profit — around what a business like this usually costs.

No analyst target is on record for this company.

What executives did with their own stock over the last 12 months:
14 buy14 sell

Buys and sells are dead even — no clear signal either way.

THE FIVE-YEAR JOURNEY
Bumpy, but the direction is up.

The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.

1
THE BRIGHT SIDE · 1/1
Pays a steady dividend

It pays out $0.36 per share each year — regular cash for whoever holds the stock.

1
THE RISKS · 1/1
The stock has lost its spark

The price action doesn’t yet back an upward turn.

FINALE · THE GRADE
grade pending

We don’t have a report card for this stock yet — the data isn’t mature enough to grade. No grade is information too: it means the evidence is thin.

One-line summary: few numbers, an untested story. Keep watching.

What would you like to do next?
Open the stock page →

Not covered, because the filings we hold do not carry it: earnings execution.

This was a film — not investment advice.
Data: FMP & company filings
Sep 11, 2026 · stockexpertai.com · Stock Film