HMN Financial (HMNF) Competitors

Sound Financial Bancorp (NASDAQ:SFBC) and HMN Financial (NASDAQ:HMNF) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their profitability, media sentiment, risk, institutional ownership, valuation, dividends, earnings, community ranking and analyst recommendations.

Which has stronger valuation and earnings, SFBC or HMNF?

Sound Financial Bancorp has higher revenue and earnings than HMN Financial. Sound Financial Bancorp is trading at a lower price-to-earnings ratio than HMN Financial, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Sound Financial Bancorp	$55.62M	1.84	$7.44M	$2.33	17.14
HMN Financial	$51.76M	1.92	$6.01M	$1.29	17.20

Which has more risk & volatility, SFBC or HMNF?

Sound Financial Bancorp has a beta of 0.6, meaning that its share price is 40% less volatile than the S&P 500. Comparatively, HMN Financial has a beta of 0.16, meaning that its share price is 84% less volatile than the S&P 500.

Is SFBC or HMNF more profitable?

HMN Financial has a net margin of 10.57% compared to HMN Financial's net margin of 10.54%. HMN Financial's return on equity of 6.01% beat Sound Financial Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Sound Financial Bancorp	10.54%	6.01%	0.59%
HMN Financial	10.57%	5.41%	0.50%

Do analysts rate SFBC or HMNF?

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Sound Financial Bancorp	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	N/A
HMN Financial	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	N/A

Does the media refer more to SFBC or HMNF?

In the previous week, Sound Financial Bancorp had 4 more articles in the media than HMN Financial. MarketBeat recorded 5 mentions for Sound Financial Bancorp and 1 mentions for HMN Financial. Sound Financial Bancorp's average media sentiment score of 1.87 beat HMN Financial's score of 1.42 indicating that HMN Financial is being referred to more favorably in the news media.

Company	Overall Sentiment
Sound Financial Bancorp	Positive
HMN Financial	Very Positive

Do insiders & institutionals have more ownership in SFBC or HMNF?

68.9% of Sound Financial Bancorp shares are owned by institutional investors. Comparatively, 78.3% of HMN Financial shares are owned by institutional investors. 12.6% of Sound Financial Bancorp shares are owned by insiders. Comparatively, 8.2% of HMN Financial shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Is SFBC or HMNF a better dividend stock?

Sound Financial Bancorp pays an annual dividend of $0.76 per share and has a dividend yield of 1.9%. HMN Financial pays an annual dividend of $0.40 per share and has a dividend yield of 1.8%. Sound Financial Bancorp pays out 32.6% of its earnings in the form of a dividend. HMN Financial pays out 31.0% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Sound Financial Bancorp has raised its dividend for 1 consecutive years and HMN Financial has raised its dividend for 2 consecutive years.

Does the MarketBeat Community believe in SFBC or HMNF?

Sound Financial Bancorp received 5 more outperform votes than HMN Financial when rated by MarketBeat users. Likewise, 64.71% of users gave Sound Financial Bancorp an outperform vote while only 61.62% of users gave HMN Financial an outperform vote.

Company	Underperform	Outperform
Sound Financial Bancorp	Outperform Votes 66 64.71%	Underperform Votes 36 35.29%
HMN Financial	Outperform Votes 61 61.62%	Underperform Votes 38 38.38%

Summary

Sound Financial Bancorp beats HMN Financial on 11 of the 18 factors compared between the two stocks.