HMN Financial (HMNF) Competitors

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

Is HMNF or SFBC more profitable?

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

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

Is HMNF or SFBC a better dividend stock?

HMN Financial pays an annual dividend of $0.40 per share and has a dividend yield of 1.8%. Sound Financial Bancorp pays an annual dividend of $0.76 per share and has a dividend yield of 1.9%. HMN Financial pays out 31.0% of its earnings in the form of a dividend. Sound Financial Bancorp pays out 32.6% 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.

Which has more volatility and risk, HMNF or SFBC?

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

Do institutionals & insiders believe in HMNF or SFBC?

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

Which has better earnings and valuation, HMNF or SFBC?

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
HMN Financial	$38.21M	2.59	$6.01M	$1.29	17.20
Sound Financial Bancorp	$55.62M	1.84	$7.44M	$2.33	17.14

Does the media prefer HMNF or SFBC?

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 1.32 beat HMN Financial's score of 1.23 indicating that Sound Financial Bancorp is being referred to more favorably in the news media.

Company	Overall Sentiment
HMN Financial	Positive
Sound Financial Bancorp	Positive

Does the MarketBeat Community believe in HMNF or SFBC?

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

Do analysts rate HMNF or SFBC?

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

Summary

Sound Financial Bancorp beats HMN Financial on 12 of the 17 factors compared between the two stocks.