HF Financial Corp.
HF Financial Corp. Fundamental Analysis
HF Financial Corp. (HFFC) shows weak financial fundamentals with a PE ratio of 38.21, profit margin of 10.08%, and ROE of 3.53%. The company generates N/A in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 43.9/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze HFFC's fundamental strength across five key dimensions:
Efficiency Score
WeakHFFC struggles to generate sufficient returns from assets.
Valuation Score
ModerateHFFC shows balanced valuation metrics.
Growth Score
WeakHFFC faces weak or negative growth trends.
Financial Health Score
ExcellentHFFC maintains a strong and stable balance sheet.
Profitability Score
WeakHFFC struggles to sustain strong margins.
Key Financial Metrics
Is HFFC Expensive or Cheap?
P/E Ratio
HFFC trades at 38.21 times earnings. This suggests a premium valuation.
PEG Ratio
When adjusting for growth, HFFC's PEG of 0.38 indicates potential undervaluation.
Price to Book
The market values HF Financial Corp. at 1.33 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -2.75 times EBITDA. This is generally considered low.
How Well Does HFFC Make Money?
Net Profit Margin
For every $100 in sales, HF Financial Corp. keeps $10.08 as profit after all expenses.
Operating Margin
Core operations generate 30.94 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $3.53 in profit for every $100 of shareholder equity.
ROA
HF Financial Corp. generates $0.31 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
FCF Per Share
Each share generates $0.49 in free cash annually.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
38.21
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.38
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.33
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.00
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.67
vs 25 benchmark
Current Ratio
Current assets to current liabilities
7.48
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.04
vs 25 benchmark
ROA
Return on assets percentage
0.003
vs 25 benchmark
ROCE
Return on capital employed
0.010
vs 25 benchmark
How HFFC Stacks Against Its Sector Peers
| Metric | HFFC Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 38.21 | 18.56 | Worse (Expensive) |
| ROE | 3.53% | 828.00% | Weak |
| Net Margin | 10.08% | 2518.00% | Weak |
| Debt/Equity | 0.67 | 1.00 | Strong (Low Leverage) |
| Current Ratio | 7.48 | 663.54 | Strong Liquidity |
| ROA | 0.31% | -21156.00% (disorted) | Weak |
HFFC outperforms its industry in 2 out of 6 key metrics, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews HF Financial Corp.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical