HMN Financial (HMNF) Competitors

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

Is HMNF or CLDB more profitable?

Cortland Bancorp has a net margin of 28.18% compared to HMN Financial's net margin of 9.33%. Cortland Bancorp's return on equity of 12.02% beat HMN Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
HMN Financial	9.33%	5.23%	0.50%
Cortland Bancorp	28.18%	12.02%	1.21%

Do analysts rate HMNF or CLDB?

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
Cortland Bancorp	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	N/A

Do institutionals and insiders have more ownership in HMNF or CLDB?

78.3% of HMN Financial shares are owned by institutional investors. Comparatively, 16.9% of Cortland Bancorp shares are owned by institutional investors. 8.2% of HMN Financial shares are owned by insiders. Comparatively, 12.3% of Cortland Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Which has better earnings & valuation, HMNF or CLDB?

Cortland Bancorp has lower revenue, but higher earnings than HMN Financial.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
HMN Financial	$51.76M	2.42	$6.01M	$1.19	23.52
Cortland Bancorp	$34.45M	3.60	$8.26M	N/A	N/A

Does the MarketBeat Community prefer HMNF or CLDB?

HMN Financial received 61 more outperform votes than Cortland Bancorp when rated by MarketBeat users. Likewise, 61.62% of users gave HMN Financial an outperform vote while only 0.00% of users gave Cortland Bancorp an outperform vote.

Company	Underperform	Outperform
HMN Financial	Outperform Votes 61 61.62%	Underperform Votes 38 38.38%
Cortland Bancorp	Outperform Votes No Votes	Underperform Votes 1 100.00%

Does the media prefer HMNF or CLDB?

In the previous week, HMN Financial's average media sentiment score of 0.00 beat Cortland Bancorp's score of -0.71 indicating that HMN Financial is being referred to more favorably in the media.

Company	Overall Sentiment
HMN Financial	Neutral
Cortland Bancorp	Negative

Which has more volatility and risk, HMNF or CLDB?

HMN Financial has a beta of 0.21, indicating that its share price is 79% less volatile than the S&P 500. Comparatively, Cortland Bancorp has a beta of 0.67, indicating that its share price is 33% less volatile than the S&P 500.

Is HMNF or CLDB a better dividend stock?

HMN Financial pays an annual dividend of $0.40 per share and has a dividend yield of 1.4%. Cortland Bancorp pays an annual dividend of $0.60 per share and has a dividend yield of 2.1%. HMN Financial pays out 33.6% of its earnings in the form of a dividend.

Summary

Cortland Bancorp beats HMN Financial on 9 of the 15 factors compared between the two stocks.