TFS Financial (NASDAQ:TFSL) & HMN Financial (NASDAQ:HMNF) Critical Survey

TFS Financial (NASDAQ:TFSL) and HMN Financial (NASDAQ:HMNF) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their earnings, valuation, dividends, profitability, analyst recommendations, institutional ownership and risk.

Valuation and Earnings

This table compares TFS Financial and HMN Financial’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
TFS Financial $502.55 million 10.89 $80.24 million N/A N/A
HMN Financial $38.10 million 2.67 $8.24 million N/A N/A

TFS Financial has higher revenue and earnings than HMN Financial.

Profitability

This table compares TFS Financial and HMN Financial’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
TFS Financial 15.97% 4.66% 0.56%
HMN Financial 22.44% 10.23% 1.22%

Analyst Ratings

This is a breakdown of current ratings for TFS Financial and HMN Financial, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
TFS Financial 0 0 0 0 N/A
HMN Financial 0 0 0 0 N/A

Risk and Volatility

TFS Financial has a beta of 0.19, meaning that its share price is 81% less volatile than the S&P 500. Comparatively, HMN Financial has a beta of 0.18, meaning that its share price is 82% less volatile than the S&P 500.

Insider & Institutional Ownership

14.0% of TFS Financial shares are owned by institutional investors. Comparatively, 42.9% of HMN Financial shares are owned by institutional investors. 1.8% of TFS Financial shares are owned by insiders. Comparatively, 8.3% of HMN Financial shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

About TFS Financial

TFS Financial Corporation, through its subsidiaries, provides retail consumer banking services in the United States. The company's deposit products include savings, money market, checking, certificate of deposit, individual retirement, and other qualified plan accounts. It also provides residential real estate mortgage loans, residential construction loans, and home equity loans and lines of credit, as well as purchase mortgages and first mortgage refinance loans. In addition, the company engages in the net lease transactions of commercial buildings; and provision of escrow and settlement services. It provides its products and services through its main office in Cleveland, Ohio; and 38 full-service branches and 8 loan production offices located throughout the states of Ohio and Florida. The company was founded in 1938 and is headquartered in Cleveland, Ohio. TFS Financial Corporation is a subsidiary of Third Federal Savings and Loan Association of Cleveland, MHC.

About HMN Financial

HMN Financial, Inc. operates as a bank holding company for Home Federal Savings Bank that provides retail banking products and services. The company offers various deposit accounts, such as savings, negotiable order of withdrawal, non-interest bearing checking, money market, and certificate accounts, including individual retirement accounts. It also provides single family residential loans; commercial real estate and multi-family mortgage loans; construction and commercial business loans; and consumer loans, such as home equity, automobile, recreational vehicle, mobile home, and lot loans, as well as loans secured by deposit accounts, and other loans for household and personal purposes. In addition, the company offers financial planning products and services; and invests in mortgage-backed and related securities, the United States government agency obligations, and other permissible investments. The company operates through 14 full service branches located in Minnesota and Iowa; and 2 loan production offices located in Minnesota and Wisconsin. HMN Financial, Inc. was founded in 1934 and is based in Rochester, Minnesota.

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