Head to Head Contrast: FFW (FFWC) vs. HMN Financial (HMNF)

FFW (OTCMKTS:FFWC) and HMN Financial (NASDAQ:HMNF) are both small-cap finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their valuation, analyst recommendations, profitability, institutional ownership, risk, dividends and earnings.

Dividends

FFW pays an annual dividend of $0.84 per share and has a dividend yield of 2.0%. HMN Financial does not pay a dividend.

Volatility & Risk

FFW has a beta of 0.62, suggesting that its share price is 38% less volatile than the S&P 500. Comparatively, HMN Financial has a beta of 0.17, suggesting that its share price is 83% less volatile than the S&P 500.

Profitability

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

Net Margins Return on Equity Return on Assets
FFW 22.84% N/A N/A
HMN Financial 21.80% 10.19% 1.16%

Valuation & Earnings

This table compares FFW and HMN Financial’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
FFW $18.48 million 2.55 $4.80 million N/A N/A
HMN Financial $38.10 million 2.81 $8.24 million N/A N/A

HMN Financial has higher revenue and earnings than FFW.

Analyst Ratings

This is a breakdown of current ratings and recommmendations for FFW and HMN Financial, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
FFW 0 0 0 0 N/A
HMN Financial 0 0 0 0 N/A

Insider and Institutional Ownership

40.6% of HMN Financial shares are held by institutional investors. 17.0% of FFW shares are held by insiders. Comparatively, 8.3% of HMN Financial shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Summary

HMN Financial beats FFW on 7 of the 11 factors compared between the two stocks.

FFW Company Profile

FFW Corp. operates as a bank holding company. It engages in the provision of investment services through its wholly owned subsidiary. The company was founded in December 1992 and is headquartered in Wabash, IN.

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.

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