HMN Financial (HMNF) Competitors

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

Do analysts recommend PROV or HMNF?

Provident Financial presently has a consensus target price of $14.00, indicating a potential upside of 11.64%. Given HMN Financial's higher probable upside, analysts plainly believe Provident Financial is more favorable than HMN Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Provident Financial	0 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00
HMN Financial	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	N/A

Does the MarketBeat Community favor PROV or HMNF?

Provident Financial received 172 more outperform votes than HMN Financial when rated by MarketBeat users. However, 61.62% of users gave HMN Financial an outperform vote while only 45.87% of users gave Provident Financial an outperform vote.

Company	Underperform	Outperform
Provident Financial	Outperform Votes 233 45.87%	Underperform Votes 275 54.13%
HMN Financial	Outperform Votes 61 61.62%	Underperform Votes 38 38.38%

Which has more risk & volatility, PROV or HMNF?

Provident Financial has a beta of 0.4, meaning that its share price is 60% 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 PROV or HMNF more profitable?

Provident Financial has a net margin of 12.57% compared to Provident Financial's net margin of 10.57%. HMN Financial's return on equity of 5.56% beat Provident Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Provident Financial	12.57%	5.56%	0.55%
HMN Financial	10.57%	5.41%	0.50%

Which has better valuation and earnings, PROV or HMNF?

Provident Financial has higher earnings, but lower revenue than HMN Financial. Provident Financial 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
Provident Financial	$50.07M	1.72	$8.59M	$1.04	12.06
HMN Financial	$51.76M	1.95	$6.01M	$1.29	17.50

Does the media refer more to PROV or HMNF?

In the previous week, HMN Financial had 2 more articles in the media than Provident Financial. MarketBeat recorded 6 mentions for HMN Financial and 4 mentions for Provident Financial. HMN Financial's average media sentiment score of 0.43 beat Provident Financial's score of 0.42 indicating that Provident Financial is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Provident Financial	1 Very Positive mention(s)	1 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
HMN Financial	2 Very Positive mention(s)	1 Positive mention(s)	3 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Is PROV or HMNF a better dividend stock?

Provident Financial pays an annual dividend of $0.56 per share and has a dividend yield of 4.5%. HMN Financial pays an annual dividend of $0.40 per share and has a dividend yield of 1.8%. Provident Financial pays out 53.8% 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. HMN Financial has increased its dividend for 2 consecutive years.

Do institutionals & insiders hold more shares of PROV or HMNF?

71.3% of Provident Financial shares are held by institutional investors. Comparatively, 78.3% of HMN Financial shares are held by institutional investors. 15.1% of Provident Financial shares are held by company insiders. Comparatively, 8.2% of HMN Financial shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Summary

Provident Financial beats HMN Financial on 10 of the 19 factors compared between the two stocks.