Jon Eberle - HMN Financial CFO

HMNF Stock  USD 19.75  0.09  0.46%   

CFO

Mr. Jon J. Eberle CPA, is the Chief Financial Officer, Senior Vice President and Treasurer of HMN Financial Inc since 2003.
Age 58
Tenure 21 years
Address 1016 Civic Center Drive Northwest, Rochester, MN, United States, 55901
Phone507 535 1200
Webhttps://www.justcallhome.com
Eberle has held the Chief Financial Officer and Treasurer positions since 2003 and the Executive Vice President position since 2012. Prior to that he served as a Vice President since 2000 and as the Controller since 1998. From 1994 to 1998, he served as the Director of Internal Audit for HMN and the Bank. Prior to his employment at the Bank, Mr. Eberle worked as a certified public accountant for a national accounting firm.

HMN Financial Management Efficiency

The current Return On Tangible Assets is estimated to decrease to 0.01. The current Return On Capital Employed is estimated to decrease to 0.01. At this time, HMN Financial's Other Assets are most likely to decrease significantly in the upcoming years. The HMN Financial's current Intangible Assets is estimated to increase to about 2.8 M, while Total Current Assets are projected to decrease to roughly 14 M. HMN Financial's management efficiency ratios could be used to measure how well HMN Financial manages its routine affairs as well as how well it operates its assets and liabilities.
The company currently holds 13.51 M in liabilities with Debt to Equity (D/E) ratio of 8.24, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Debt can assist HMN Financial until it has trouble settling it off, either with new capital or with free cash flow. So, HMN Financial's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like HMN Financial sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for HMN to invest in growth at high rates of return. When we think about HMN Financial's use of debt, we should always consider it together with cash and equity.

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HMN Financial, Inc. operates as a bank holding company for Home Federal Savings Bank that provides various retail banking products and services. HMN Financial, Inc. was founded in 1934 and is headquartered in Rochester, Minnesota. Hmn Financial operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 168 people. HMN Financial (HMNF) is traded on NASDAQ Exchange in USA. It is located in 1016 Civic Center Drive Northwest, Rochester, MN, United States, 55901 and employs 161 people. HMN Financial is listed under Thrifts & Mortgage Finance category by Fama And French industry classification.

Management Performance

HMN Financial Leadership Team

Elected by the shareholders, the HMN Financial's board of directors comprises two types of representatives: HMN Financial inside directors who are chosen from within the company, and outside directors, selected externally and held independent of HMN. The board's role is to monitor HMN Financial's management team and ensure that shareholders' interests are well served. HMN Financial's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, HMN Financial's outside directors are responsible for providing unbiased perspectives on the board's policies.
Bernard Nigon, Independent Director
Hans Zietlow, Independent Director
Patricia Simmons, Director
Michael Bue, Independent Director
Allen Berning, Independent Director
Michael Fogarty, Independent Director
Cindy Hamlin, Corporate Secretary
Bradley Krehbiel, CEO and President Director, Member of Executive Committee, CEO of Home Federal Savings Bank and President of Home Federal Savings Bank, Director of Home Federal Savings Bank
Lawrence McGraw, COO of Home Federal Savings Bank and Executive VP of Home Federal Savings Bank
Malcolm McDonald, Independent Director
Susan Kolling, Sr. VP, Sr. VP of Home Federal Savings Bank and Director of Osterud Insurance Agency Inc
Jon Eberle, CFO, Principal Accounting Officer, Sr. VP, Treasurer, CFO of Home Federal Savings Bank, Executive VP of Home Federal Savings Bank and Treasurer of Home Federal Savings Bank
Wendy Shannon, Independent Director
Mark Utz, Independent Director
Hugh Smith, Chairman of the Board

HMN Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is HMN Financial a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.

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When determining whether HMN Financial is a strong investment it is important to analyze HMN Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact HMN Financial's future performance. For an informed investment choice regarding HMN Stock, refer to the following important reports:
Check out Risk vs Return Analysis to better understand how to build diversified portfolios, which includes a position in HMN Financial. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in board of governors.
For more detail on how to invest in HMN Stock please use our How to Invest in HMN Financial guide.
You can also try the Companies Directory module to evaluate performance of over 100,000 Stocks, Funds, and ETFs against different fundamentals.

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When running HMN Financial's price analysis, check to measure HMN Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy HMN Financial is operating at the current time. Most of HMN Financial's value examination focuses on studying past and present price action to predict the probability of HMN Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move HMN Financial's price. Additionally, you may evaluate how the addition of HMN Financial to your portfolios can decrease your overall portfolio volatility.
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Is HMN Financial's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of HMN Financial. If investors know HMN will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about HMN Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.41)
Dividend Share
0.3
Earnings Share
1.37
Revenue Per Share
8.81
Quarterly Revenue Growth
(0.14)
The market value of HMN Financial is measured differently than its book value, which is the value of HMN that is recorded on the company's balance sheet. Investors also form their own opinion of HMN Financial's value that differs from its market value or its book value, called intrinsic value, which is HMN Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because HMN Financial's market value can be influenced by many factors that don't directly affect HMN Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between HMN Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if HMN Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, HMN Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.