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HMN Financial, Inc.
HMNFFinancial ServicesNASDAQUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $43.48M | 13.8% | $6.00M | $7.00M | N/A |
| 2027 | $40.65M | 13.8% | $5.61M | $6.54M | $5.95M |
| 2028 | $38.01M | 13.8% | $5.25M | $6.12M | $5.06M |
| 2029 | $35.54M | 13.8% | $4.90M | $5.72M | $4.30M |
| 2030 | $33.23M | 13.8% | $4.59M | $5.35M | $3.65M |
| 2031 | $31.07M | 13.8% | $4.29M | $5.00M | $3.11M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $1.37 | 2023-12-31 |
| EPS growth | -25.4% | Forecast years: 5 |
| Future EPS | $0.317 | EPS × (1 + G)^5 |
| Base P/E | 16.7 | P/E |
| Future price | $5.286 | Future EPS × P/E |
| Fair value today | $3.282 | PV @ 10.0% |
| 30% safety price | $2.298 | Margin of safety |
| 50% safety price | $1.641 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $17.973 | $20.007 | $22.779 |
| 10.0% | $15.887 | $17.386 | $19.347 |
| 11.0% | $14.237 | $15.378 | $16.824 |