BofI (NASDAQ:BOFI) and HMN Financial (NASDAQ:HMNF) Financial Comparison

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HMN Financial (NASDAQ:HMNF) and BofI (NASDAQ:BOFI) are both finance companies, but which is the better business? We will compare the two businesses based on the strength of their institutional ownership, analyst recommendations, valuation, profitability, risk, dividends and earnings.

Valuation and Earnings

This table compares HMN Financial and BofI’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
HMN Financial $38.10 million 2.72 $8.24 million N/A N/A
BofI N/A N/A N/A N/A N/A

HMN Financial has higher revenue and earnings than BofI.

Institutional and Insider Ownership

41.3% of HMN Financial shares are held by institutional investors. Comparatively, 75.3% of BofI shares are held by institutional investors. 8.3% of HMN Financial shares are held by insiders. Comparatively, 6.5% of BofI shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Profitability

This table compares HMN Financial and BofI’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
HMN Financial 21.80% 10.19% 1.16%
BofI N/A N/A N/A

Analyst Ratings

This is a breakdown of current ratings for HMN Financial and BofI, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
HMN Financial 0 0 0 0 N/A
BofI 0 0 2 0 3.00

BofI has a consensus price target of $46.00, suggesting a potential upside of 33.76%. Given BofI’s higher possible upside, analysts plainly believe BofI is more favorable than HMN Financial.

Summary

HMN Financial beats BofI on 5 of the 8 factors compared between the two stocks.

HMN Financial Company Profile

HMN Financial, Inc. operates as a bank holding company for Home Federal Savings Bank that provides retail banking products and services. The company offers various deposit accounts, such as savings, negotiable order of withdrawal, non-interest bearing checking, money market, and certificate accounts, including individual retirement accounts. It also provides single family residential loans; commercial real estate and multi-family mortgage loans; construction and commercial business loans; and 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. In addition, 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. The company operates through 14 full service branches located in Minnesota and Iowa; and 2 loan production offices located in Minnesota and Wisconsin. HMN Financial, Inc. was founded in 1934 and is based in Rochester, Minnesota.

BofI Company Profile

BofI Holding, Inc. operates as the holding company for BofI Federal Bank that provides consumer and business banking products in the United States. The company offers deposits products, including consumer and business checking, demand, savings, and time deposit accounts. It also provides single family and multifamily mortgage secured lending products; commercial real estate secured and commercial lending products; specialty finance factoring products; prime loans to customers secured by new and used automobiles; and term unsecured personal loans to individual borrowers, as well as overdraft lines of credit. In addition, the company offers prepaid card and refund transfer, debit card or ATM card, portfolio management, online bill payment, money transfer, overdraft protection, online and mobile banking, and text message banking services. BofI Holding, Inc. was incorporated in 1999 and is based in San Diego, California.

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