- The report contains detailed information about HF Financial Corp. that gives an unrivalled in-depth knowledge about internal business-environment of the company: data about the owners, senior executives, locations, subsidiaries, markets, products, and company history.
- Another part of the report is a SWOT-analysis carried out for HF Financial Corp.. It involves specifying the objective of the company's business and identifies the different factors that are favorable and unfavorable to achieving that objective. SWOT-analysis helps to understand company’s strengths, weaknesses, opportunities, and possible threats against it.
- The HF Financial Corp. financial analysis covers the income statement and ratio trend-charts with balance sheets and cash flows presented on an annual and quarterly basis. The report outlines the main financial ratios pertaining to profitability, margin analysis, asset turnover, credit ratios, and company’s long-term solvency. This sort of company's information will assist and strengthen your company’s decision-making processes.
- In the part that describes HF Financial Corp. competitors and the industry in whole, the information about company's financial ratios is compared to those of its competitors and to the industry. The unique analysis of the market and company’s competitors along with detailed information about the internal and external factors affecting the relevant industry will help to manage your business environment. Your company’s business and sales activities will be boosted by gaining an insight into your competitors’ businesses.
- Also the report provides relevant news, an analysis of PR-activity, and stock price movements. The latter are correlated with pertinent news and press releases, and annual and quarterly forecasts are given by a variety of experts and market research firms. Such information creates your awareness about principal trends of HF Financial Corp. business.
About HF Financial Corp.
HF Financial Corp. operates as the holding company for Home Federal Bank, which provides consumer and commercial banking products and services in the United States.
The company attracts deposits from the general public and uses such deposits, together with borrowings and other funds, to originate loans and invest in securities. The company, through its wholly-owned subsidiaries, offers annuities, mutual funds, life insurance, and other financial products and services, as well as equipment leasing services. Through its trust department, it acts as trustee, personal representative, administrator, guardian, custodian, agent, advisor, and manager for various accounts. The company, through its wholly-owned subsidiaries, offers annuities, mutual funds, life insurance, and other financial products and services, as well as equipment leasing services.
As of June 30, 2010, the company had a total of 33 banking centers in its market area and one Internet branch located at www.homefederal.com. Its primary market area includes communities located in eastern and central South Dakota, including the Sioux Falls metropolitan statistical area (MSA), and the cities of Pierre, Mitchell, Aberdeen, Brookings, Dakota Dunes, Watertown, and Yankton. It also has a banking center in Marshall, Minnesota, which serves customers located in southwestern Minnesota. The banking center located in Dakota Dunes also serves customers located in northwestern Iowa.
The company originates various loans, including one- to four-family residential loans, commercial business loans, agriculture loans, consumer loans, multi-family and commercial real estate loans, and construction loans.
Commercial Business Lending: The companys commercial business lending activities encompass loans with various purposes and security, including loans to finance accounts receivable, inventory and equipment, and business expansion within its market area. It originates commercial business loans directly and through programs sponsored by the small business administration (SBA) of which a portion of such loans are also guaranteed in part by the SBA. The company originates commercial business loans for its portfolio and retains the servicing with respect to such loans. Its commercial business loans are typically secured by the assets of the business, such as accounts receivable, equipment, and inventory.
Multi-Family and Commercial Real Estate Lending: The company engages in multi-family and commercial real estate lending primarily in South Dakota and the adjoining Midwestern states. These lending activities include existing property or new construction development or purchased loans, including loans to builders and developers for the construction of one- to four-family residences and condominiums and the development of one- to four-family lots. It originates adjustable-rate, short-term balloon payment, fixed-rate multi-family, and commercial real estate loans. Its multi- family and commercial real estate loan portfolio is secured primarily by apartment buildings and owner occupied and non-owner occupied commercial real estate. It also makes loans to developers for the purpose of developing one- to four-family lots.
Construction Lending: The company makes construction loans to individuals for the construction of their residences, as well as loans to builders and developers for the construction of multi-family residential properties, in its primary market area. Construction loans to individuals for their residences are structured to be converted to mortgage loans at the end of the construction phase, which typically runs 6 to 12 months. It makes loans for the construction of multi-family residential properties.
Agricultural Loans: The company originates agricultural loans through its agricultural division. The agricultural division offers loans to its customers, such as operating loans which are used to fund operating expenses; term loans on machinery, equipment, and breeding stock; agricultural farmland term loans that are used to finance (or refinance) land purchases; specialized loans to fund facil
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1. HF FINANCIAL CORP. COMPANY PROFILE
1.1. Key facts
1.2. Financial Performance
1.3. Key Executives
1.4. Ownership and Major Holders
1.5. Company History
2. HF FINANCIAL CORP. BUSINESS OVERVIEW
2.1. Business Description
2.2. Major Products and Services
2.3. Markets and Sales Activities
2.4. Locations, Subsidiaries, Operating Units
3. HF FINANCIAL CORP. SWOT ANALYSIS
4. HF FINANCIAL CORP. FINANCIAL ANALYSIS
4.1. Financial Statements
4.1.1. Income Statement
4.1.2. Balance Sheet
4.1.3. Cash Flow
4.2. Financial Ratios
4.2.2. Margin Analysis
4.2.3. Asset Turnover
4.2.4. Credit Ratios
4.2.5. Long-Term Solvency
4.2.6. Growth Over Prior Year
4.2.7. Financial Ratios Charts
4.3. Stock Market Snapshot
5. HF FINANCIAL CORP. COMPETITORS AND INDUSTRY ANALYSIS
5.1. HF Financial Corp. Direct Competitors
5.2. Comparison of HF Financial Corp. and Direct Competitors Financial Ratios
5.3. Comparison of HF Financial Corp. and Direct Competitors Stock Charts
5.4. HF Financial Corp. Industry Analysis
5.4.1. Banks and Thrifts Industry Snapshot
5.4.2. HF Financial Corp. Industry Position Analysis
6. HF FINANCIAL CORP. NEWS & EVENTS
6.1. News & PR Activity Analysis
6.2. IR Corporate News
6.3. Marketing News
6.4. Corporate Events
7. HF FINANCIAL CORP. EXPERTS REVIEW1
7.1. Experts Opinion
7.2. Experts Estimates
8. HF FINANCIAL CORP. ENHANCED SWOT ANALYSIS2
9. UNITED STATES PESTEL ANALYSIS2
9.1. Political Factors
9.2. Economic Factors
9.3. Social Factors
9.4. Technological Factors
9.5. Environmental Factors
9.6. Legal Factors
10. HF FINANCIAL CORP. IFE, EFE, IE MATRICES2
10.1. Internal Factor Evaluation Matrix
10.2. External Factor Evaluation Matrix
10.3. Internal External Matrix
11. HF FINANCIAL CORP. PORTER FIVE FORCES ANALYSIS2
12. HF FINANCIAL CORP. VRIO ANALYSIS2
APPENDIX: RATIO DEFINITIONS
LIST OF TABLES
HF Financial Corp. Key Facts
Income Statement Key Figures
Balance Sheet Key Figures
Cash Flow Statement Key Figures
Financial Performance Abbreviation Guide
HF Financial Corp. Key Executives
Key Executives Biographies1
Key Executives Compensations1
HF Financial Corp. Major Shareholders
HF Financial Corp. History
HF Financial Corp. Products
Revenues by Segment
Revenues by Region
HF Financial Corp. Offices and Representations
HF Financial Corp. SWOT Analysis
Yearly Income Statement Including Trends
Income Statement Latest 4 Quarters Including Trends
Yearly Balance Sheet Including Trends
Balance Sheet Latest 4 Quarters Including Trends
Yearly Cash Flow Including Trends
Cash Flow Latest 4 Quarters Including Trends
HF Financial Corp. Profitability Ratios
Margin Analysis Ratios
Asset Turnover Ratios
Long-Term Solvency Ratios
Financial Ratios Growth Over Prior Year
HF Financial Corp. Capital Market Snapshot
HF Financial Corp. Direct Competitors Key Facts
Direct Competitors Profitability Ratios
Direct Competitors Margin Analysis Ratios
Direct Competitors Asset Turnover Ratios
Direct Competitors Credit Ratios
Direct Competitors Long-Term Solvency Ratios
Banks and Thrifts Industry Statistics
HF Financial Corp. Industry Position
Company vs. Industry Income Statement Analysis
Company vs. Industry Balance Sheet Analysis
Company vs. Industry Cash Flow Analysis
Company vs. Industry Ratios Comparison
HF Financial Corp. Consensus Recommendations1
Analyst Recommendation Summary1
Price Target Summary1
Experts Recommendation Trends1
Revenue Estimates Analysis1
Earnings Estimates Analysis1
Revenue Estimates Trend1
Earnings Estimates Trend1
LIST OF FIGURES
HF Financial Corp. Annual Revenues in Comparison with Cost of Goods Sold and Gross Profit
Profit Margin Chart
Operating Margin Chart
Return on Equity (ROE) Chart
Return on Assets (ROA) Chart
Debt to Equity Chart
Current Ratio Chart
HF Financial Corp. 1-year Stock Charts
HF Financial Corp. 5-year Stock Charts
HF Financial Corp. vs. Main Indexes 1-year Stock Chart
HF Financial Corp. vs. Direct Competitors 1-year Stock Charts
HF Financial Corp. Article Density Chart
1 – Data availability depends on company’s security policy.
2 – These sections are available only when you purchase a report with appropriate additional types of analyses.
The complete financial data is available for publicly traded companies.
SWOT, which stands for Strengths, Weaknesses, Opportunities and Threats, is an analytical framework that identifies the internal and external factors that are favorable and unfavorable for a company.
Enhanced SWOT Analysis
Enhanced SWOT is a 3×3 grid that arranges strengths, weaknesses, opportunities and threats into one scheme:
- How to use the strengths to take advantage of the opportunities?
- How to use the strengths to reduce likelihood and impact of the threats?
- How to overcome the weaknesses that obstruct taking advantage of the opportunities?
- How to overcome the weaknesses that can make the threats a reality?
Upon answering these questions a company can develop a project plan to improve its business performance.
PESTEL (also termed as PESTLE) is an ideal tool to strategically analyze what influence different outside factors – political, economic, sociocultural, technological, environmental and legal – exert on a business to later chart its long term targets.
Being part of the external analysis when carrying out a strategic assessment or performing a market study, PESTEL gives an overview of diverse macro-environmental factors that any company should thoughtfully consider. By perceiving these outside environments, businesses can maximally benefit from the opportunities while minimizing the threats to the organization.
Key Factors Examined by PESTEL Analysis:
- Political – What opportunities and pressures are brought by political bodies and what is the degree of public regulations’ impact on the business?
- Economic – What economic policies, trends and structures are expected to affect the organization, what is this influence’s degree?
- Sociological – What cultural and societal aspects will work upon the demand for the business’s products and operations?
- Technological – What impact do the technological aspects, innovations, incentives and barriers have on the organization?
- Environmental – What environmental and ecological facets, both locally and farther afield, are likely to predetermine the business?
- Legal – What laws and legislation will exert influence on the style the business is carried out?
IFE, EFE, IE Matrices
The Internal Factor Evaluation matrix (IFE matrix) is a strategic management tool helping audit or evaluate major weaknesses and strengths in a business’s functional areas. In addition, IFE matrix serves as a basis for identifying and assessing relationships amongst those areas. The IFE matrix is utilised in strategy formulation.
The External Factor Evaluation matrix (EFE matrix) is a tool of strategic management that is typically utilised to assess current market conditions. It is an ideal instrument for visualising and prioritising the threats and opportunities a firm is facing.
The essential difference between the above mentioned matrices lies in the type of factors incorporated in the model; whilst the latter is engaged in internal factors, the former deals exceptionally with external factors – those exposed to social, political, economic, legal, etc. external forces.
Being a continuation of the EFE matrix and IFE matrix models, the Internal External matrix (IE matrix) rests upon an investigation of external and internal business factors integrated into one suggestive model.
Porter Five Forces Analysis
The Porter’s five forces analysis studies the industry of operation and helps the company find new sources of competitive advantage. The analysis surveys an industry through five major questions:
- What composes a threat of substitute products and services?
- Is there a threat of new competitors entering the market?
- What is the intensity of competitive rivalry?
- How big is the bargaining power of buyers?
- How significant is the bargaining power of suppliers?
VRIO stands for Value, Rarity, Imitability, Organization. This analysis helps to evaluate all company’s resources and capabilities and bring them together into one aggregate table that includes:
- Tangible resources
- Intangible resources
- Innovation and Creativity
- Organizational capabilities
The result of the analysis gives a clear picture of company’s competitive and economic implications, answering the questions if the resources mentioned above are:
- Costly to imitate?
- Organized properly?