HANMI FINANCIAL CORPORATION (HAFC) Fundamental Analysis & Valuation

NASDAQ:HAFC • US4104952043

Current stock price

28.15 USD
-0.06 (-0.21%)
At close:
27.6 USD
-0.55 (-1.95%)
After Hours:

This HAFC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. HAFC Profitability Analysis

1.1 Basic Checks

  • HAFC had positive earnings in the past year.
  • HAFC had a positive operating cash flow in the past year.
  • In the past 5 years HAFC has always been profitable.
  • In the past 5 years HAFC always reported a positive cash flow from operatings.
HAFC Yearly Net Income VS EBIT VS OCF VS FCFHAFC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.96%, HAFC is in line with its industry, outperforming 51.33% of the companies in the same industry.
  • HAFC has a Return On Equity (9.48%) which is in line with its industry peers.
Industry RankSector Rank
ROA 0.96%
ROE 9.48%
ROIC N/A
ROA(3y)0.94%
ROA(5y)1.12%
ROE(3y)9.75%
ROE(5y)12.06%
ROIC(3y)N/A
ROIC(5y)N/A
HAFC Yearly ROA, ROE, ROICHAFC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • HAFC has a better Profit Margin (27.94%) than 63.56% of its industry peers.
  • HAFC's Profit Margin has improved in the last couple of years.
  • HAFC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 27.94%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.01%
PM growth 5Y8.46%
GM growth 3YN/A
GM growth 5YN/A
HAFC Yearly Profit, Operating, Gross MarginsHAFC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. HAFC Health Analysis

2.1 Basic Checks

  • HAFC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • HAFC has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, HAFC has less shares outstanding
  • The debt/assets ratio for HAFC has been reduced compared to a year ago.
HAFC Yearly Shares OutstandingHAFC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
HAFC Yearly Total Debt VS Total AssetsHAFC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

2.2 Solvency

  • HAFC has a debt to FCF ratio of 0.64. This is a very positive value and a sign of high solvency as it would only need 0.64 years to pay back of all of its debts.
  • HAFC has a Debt to FCF ratio of 0.64. This is in the better half of the industry: HAFC outperforms 76.86% of its industry peers.
  • HAFC has a Debt/Equity ratio of 0.16. This is a healthy value indicating a solid balance between debt and equity.
  • HAFC has a Debt to Equity ratio (0.16) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 0.64
Altman-Z N/A
ROIC/WACCN/A
WACC16.77%
HAFC Yearly LT Debt VS Equity VS FCFHAFC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
HAFC Yearly Current Assets VS Current LiabilitesHAFC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. HAFC Growth Analysis

3.1 Past

  • HAFC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 22.44%, which is quite impressive.
  • The Earnings Per Share has been growing by 18.59% on average over the past years. This is quite good.
  • HAFC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 15.28%.
  • HAFC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.82% yearly.
EPS 1Y (TTM)22.44%
EPS 3Y-8.9%
EPS 5Y18.59%
EPS Q2Q%20.69%
Revenue 1Y (TTM)15.28%
Revenue growth 3Y-0.2%
Revenue growth 5Y3.82%
Sales Q2Q%17.06%

3.2 Future

  • Based on estimates for the next years, HAFC will show a quite strong growth in Earnings Per Share. The EPS will grow by 15.92% on average per year.
  • The Revenue is expected to grow by 8.79% on average over the next years. This is quite good.
EPS Next Y22.18%
EPS Next 2Y15.92%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.32%
Revenue Next 2Y8.79%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
HAFC Yearly Revenue VS EstimatesHAFC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M
HAFC Yearly EPS VS EstimatesHAFC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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7

4. HAFC Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 11.22, which indicates a very decent valuation of HAFC.
  • HAFC's Price/Earnings ratio is a bit cheaper when compared to the industry. HAFC is cheaper than 70.48% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.95. HAFC is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 9.18, the valuation of HAFC can be described as reasonable.
  • Based on the Price/Forward Earnings ratio, HAFC is valued cheaply inside the industry as 81.91% of the companies are valued more expensively.
  • HAFC is valuated cheaply when we compare the Price/Forward Earnings ratio to 38.68, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.22
Fwd PE 9.18
HAFC Price Earnings VS Forward Price EarningsHAFC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 94.68% of the companies in the same industry are more expensive than HAFC, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 4.13
EV/EBITDA N/A
HAFC Per share dataHAFC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • HAFC's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • HAFC's earnings are expected to grow with 15.92% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.51
PEG (5Y)0.6
EPS Next 2Y15.92%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. HAFC Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.07%, HAFC is a good candidate for dividend investing.
  • HAFC's Dividend Yield is rather good when compared to the industry average which is at 2.57. HAFC pays more dividend than 88.30% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.81, HAFC pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.07%

5.2 History

  • On average, the dividend of HAFC grows each year by 15.85%, which is quite nice.
  • HAFC has paid a dividend for at least 10 years, which is a reliable track record.
  • As HAFC did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)15.85%
Div Incr Years1
Div Non Decr Years5
HAFC Yearly Dividends per shareHAFC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 43.22% of the earnings are spent on dividend by HAFC. This is a bit on the high side, but may be sustainable.
  • The dividend of HAFC is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP43.22%
EPS Next 2Y15.92%
EPS Next 3YN/A
HAFC Yearly Income VS Free CF VS DividendHAFC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M
HAFC Dividend Payout.HAFC Dividend Payout, showing the Payout Ratio.HAFC Dividend Payout.PayoutRetained Earnings

More info and screens

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HAFC Fundamentals: All Metrics, Ratios and Statistics

HANMI FINANCIAL CORPORATION

NASDAQ:HAFC (4/21/2026, 4:10:04 PM)

After market: 27.6 -0.55 (-1.95%)

28.15

-0.06 (-0.21%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-21
Inst Owners92.83%
Inst Owner Change0.04%
Ins Owners2.15%
Ins Owner Change2.53%
Market Cap841.40M
Revenue(TTM)270.17M
Net Income(TTM)75.48M
Analysts78
Price Target31.62 (12.33%)
Short Float %3.45%
Short Ratio3.38
Dividend
Industry RankSector Rank
Dividend Yield 4.07%
Yearly Dividend1.09
Dividend Growth(5Y)15.85%
DP43.22%
Div Incr Years1
Div Non Decr Years5
Ex-Date02-09
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.82%
Min EPS beat(2)-2.34%
Max EPS beat(2)9.98%
EPS beat(4)1
Avg EPS beat(4)-3.18%
Min EPS beat(4)-19.61%
Max EPS beat(4)9.98%
EPS beat(8)3
Avg EPS beat(8)-1.24%
EPS beat(12)5
Avg EPS beat(12)-1.41%
EPS beat(16)9
Avg EPS beat(16)2.53%
Revenue beat(2)1
Avg Revenue beat(2)0.01%
Min Revenue beat(2)-2.25%
Max Revenue beat(2)2.27%
Revenue beat(4)1
Avg Revenue beat(4)-1.4%
Min Revenue beat(4)-2.94%
Max Revenue beat(4)2.27%
Revenue beat(8)1
Avg Revenue beat(8)-2.49%
Revenue beat(12)2
Avg Revenue beat(12)-2.85%
Revenue beat(16)4
Avg Revenue beat(16)-1.98%
PT rev (1m)-2.11%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.07%
EPS NY rev (1m)-0.51%
EPS NY rev (3m)0.38%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.45%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.65%
Valuation
Industry RankSector Rank
PE 11.22
Fwd PE 9.18
P/S 3.11
P/FCF 4.13
P/OCF 4.08
P/B 1.06
P/tB 1.08
EV/EBITDA N/A
EPS(TTM)2.51
EY8.92%
EPS(NY)3.07
Fwd EY10.89%
FCF(TTM)6.82
FCFY24.21%
OCF(TTM)6.89
OCFY24.48%
SpS9.04
BVpS26.64
TBVpS26.06
PEG (NY)0.51
PEG (5Y)0.6
Graham Number38.7906 (37.8%)
Profitability
Industry RankSector Rank
ROA 0.96%
ROE 9.48%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.94%
GM N/A
FCFM 75.4%
ROA(3y)0.94%
ROA(5y)1.12%
ROE(3y)9.75%
ROE(5y)12.06%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.01%
PM growth 5Y8.46%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 0.64
Debt/EBITDA N/A
Cap/Depr 40.78%
Cap/Sales 0.85%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 269.89%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC16.77%
ROIC/WACCN/A
Cap/Depr(3y)31.79%
Cap/Depr(5y)24.95%
Cap/Sales(3y)0.97%
Cap/Sales(5y)0.95%
Profit Quality(3y)161.86%
Profit Quality(5y)144.54%
High Growth Momentum
Growth
EPS 1Y (TTM)22.44%
EPS 3Y-8.9%
EPS 5Y18.59%
EPS Q2Q%20.69%
EPS Next Y22.18%
EPS Next 2Y15.92%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)15.28%
Revenue growth 3Y-0.2%
Revenue growth 5Y3.82%
Sales Q2Q%17.06%
Revenue Next Year10.32%
Revenue Next 2Y8.79%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y296.89%
FCF growth 3Y11.89%
FCF growth 5Y29.56%
OCF growth 1Y281.89%
OCF growth 3Y11.83%
OCF growth 5Y27.9%

HANMI FINANCIAL CORPORATION / HAFC Fundamental Analysis FAQ

What is the fundamental rating for HAFC stock?

ChartMill assigns a fundamental rating of 5 / 10 to HAFC.


What is the valuation status of HANMI FINANCIAL CORPORATION (HAFC) stock?

ChartMill assigns a valuation rating of 7 / 10 to HANMI FINANCIAL CORPORATION (HAFC). This can be considered as Undervalued.


Can you provide the profitability details for HANMI FINANCIAL CORPORATION?

HANMI FINANCIAL CORPORATION (HAFC) has a profitability rating of 4 / 10.


What are the PE and PB ratios of HANMI FINANCIAL CORPORATION (HAFC) stock?

The Price/Earnings (PE) ratio for HANMI FINANCIAL CORPORATION (HAFC) is 11.22 and the Price/Book (PB) ratio is 1.06.


What is the earnings growth outlook for HANMI FINANCIAL CORPORATION?

The Earnings per Share (EPS) of HANMI FINANCIAL CORPORATION (HAFC) is expected to grow by 22.18% in the next year.