HF Financial (HF Financial) Debt-to-Equity : 0.82 (As of Mar. 2016)

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What is HF Financial Debt-to-Equity?

HF Financial's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2016 was $0.00 Mil. HF Financial's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2016 was $90.03 Mil. HF Financial's Total Stockholders Equity for the quarter that ended in Mar. 2016 was $110.39 Mil. HF Financial's debt to equity for the quarter that ended in Mar. 2016 was 0.82.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for HF Financial's Debt-to-Equity or its related term are showing as below:

HFFC's Debt-to-Equity is not ranked ^*
in the Banks industry.
Industry Median: 0.68
* Ranked among companies with meaningful Debt-to-Equity only.

HF Financial Debt-to-Equity Historical Data

The historical data trend for HF Financial's Debt-to-Equity can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

HF Financial Debt-to-Equity Chart

HF Financial Annual Data

Trend

Jun06

Jun07

Jun08

Jun09

Jun10

Jun11

Jun12

Jun13

Jun14

Jun15

Debt-to-Equity

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0.30

1.76

1.97

1.43

0.87

HF Financial Quarterly Data
	Jun11	Sep11	Dec11	Mar12	Jun12	Sep12	Dec12	Mar13	Jun13	Sep13	Dec13	Mar14	Jun14	Sep14	Dec14	Mar15	Jun15	Sep15	Dec15	Mar16
Debt-to-Equity	Get a 7-Day Free Trial															0.64	0.87	1.09	0.91	0.82

Competitive Comparison of HF Financial's Debt-to-Equity

For the Banks - Regional subindustry, HF Financial's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

HF Financial's Debt-to-Equity Distribution in the Banks Industry

For the Banks industry and Financial Services sector, HF Financial's Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where HF Financial's Debt-to-Equity falls into.

HF Financial Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

HF Financial's Debt to Equity Ratio for the fiscal year that ended in Jun. 2015 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	90.395)	/	103.977
	=	0.87

HF Financial's Debt to Equity Ratio for the quarter that ended in Mar. 2016 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	90.029)	/	110.393
	=	0.82

HF Financial (NAS:HFFC) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

HF Financial Debt-to-Equity Related Terms

Thank you for viewing the detailed overview of HF Financial's Debt-to-Equity provided by GuruFocus.com. Please click on the following links to see related term pages.

HF Financial (HF Financial) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » HF Financial Corp (NAS:HFFC) » Definitions » Debt-to-Equity

Comparable Companies

Traded in Other Exchanges

N/A

Address

Website

http://www.homefederal.com

HF Financial Corp was incorporated under the laws of the State of Delaware in November 1991. The Company was formed for owning all of the outstanding stock of Home Federal Bank issued in the mutual to stock conversion of the Bank. The Company is regulated as a bank holding company by the Board of Governors of the Federal Reserve System. The Bank provides full-service consumer and commercial business banking, including an array of financial products, to meet the needs of its market place. The Bank attracts deposits from the general public and uses such deposits, together with borrowings and other funds, to originate one-to-four family residential, commercial business, consumer, multi-family, commercial real estate, construction and agricultural loans. The Bank's consumer loan portfolio includes, among other things, automobile loans, home equity loans, loans secured by deposit accounts and student loans. The Bank also purchases agency residential mortgage-backed securities and invests in U.S. Government and agency obligations and other permissible investments. The Bank, through its wholly owned subsidiaries, offers annuities, mutual funds, life insurance and other financial products, and equipment leasing services. The Company's reportable segments are banking (including leasing activities) and other. The banking segment is conducted through the Bank and Mid America Capital and the other segment is composed of smaller non-reportable segments, the Company and intersegment eliminations. The Bank's primary market area includes communities located in eastern and central South Dakota, including the Sioux Falls metropolitan statistical area ("MSA"), and the cities of Mitchell, Aberdeen, Brookings, Watertown, and Yankton. The Bank has a banking center in Marshall, Minnesota, which serves customers located in southwestern Minnesota. It competes with other commercial banks, credit unions, savings and loan associations, mortgage banking firms, consumer finance companies, securities brokerage firms, insurance companies, money market funds and other mutual funds, as well as super-regional, national and international financial institutions.

Executives

John W Palmer	director	C/O SECURITY FINANCIAL BANCORP INC, 9321 WICKER AVE, ST JOHN IN 46373
Stephen M Bianchi	officer: President / CEO	225 S. MAIN AVENUE, SIOUX FALLS SD 57104
Christine E Hamilton	director	225 S MAIN AVE, P O BOX 5000, SIOUX FALLS SD 57117