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HANMI FINANCIAL CORPORATION (HAFC) Stock Fundamental Analysis

USA - NASDAQ:HAFC - US4104952043 - Common Stock

24.84 USD
+0.32 (+1.31%)
Last: 9/17/2025, 4:10:08 PM
24.85 USD
+0.01 (+0.04%)
After Hours: 9/17/2025, 4:10:08 PM
Fundamental Rating

4

HAFC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 392 industry peers in the Banks industry. There are concerns on the financial health of HAFC while its profitability can be described as average. HAFC has a decent growth rate and is not valued too expensively. HAFC also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year HAFC was profitable.
HAFC had a positive operating cash flow in the past year.
HAFC had positive earnings in each of the past 5 years.
HAFC had a positive operating cash flow in each of the past 5 years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M

1.2 Ratios

Looking at the Return On Assets, with a value of 0.82%, HAFC is in line with its industry, outperforming 48.21% of the companies in the same industry.
Looking at the Return On Equity, with a value of 8.50%, HAFC is in line with its industry, outperforming 51.53% of the companies in the same industry.
Industry RankSector Rank
ROA 0.82%
ROE 8.5%
ROIC N/A
ROA(3y)1.07%
ROA(5y)1.06%
ROE(3y)11.86%
ROE(5y)11.61%
ROIC(3y)N/A
ROIC(5y)N/A
HAFC Yearly ROA, ROE, ROICHAFC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

With a decent Profit Margin value of 26.21%, HAFC is doing good in the industry, outperforming 64.54% of the companies in the same industry.
HAFC's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for HAFC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 26.21%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-14.14%
PM growth 5Y10.44%
GM growth 3YN/A
GM growth 5YN/A
HAFC Yearly Profit, Operating, Gross MarginsHAFC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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2

2. Health

2.1 Basic Checks

HAFC does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for HAFC has been reduced compared to 1 year ago.
The number of shares outstanding for HAFC has been reduced compared to 5 years ago.
The debt/assets ratio for HAFC has been reduced compared to a year ago.
HAFC Yearly Shares OutstandingHAFC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
HAFC Yearly Total Debt VS Total AssetsHAFC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

2.2 Solvency

The Debt to FCF ratio of HAFC is 4.87, which is a neutral value as it means it would take HAFC, 4.87 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 4.87, HAFC is doing worse than 66.84% of the companies in the same industry.
HAFC has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.17, HAFC perfoms like the industry average, outperforming 52.04% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 4.87
Altman-Z N/A
ROIC/WACCN/A
WACC17.88%
HAFC Yearly LT Debt VS Equity VS FCFHAFC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

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5

3. Growth

3.1 Past

The earnings per share for HAFC have decreased by -2.71% in the last year.
Measured over the past years, HAFC shows a quite strong growth in Earnings Per Share. The EPS has been growing by 13.89% on average per year.
Looking at the last year, HAFC shows a small growth in Revenue. The Revenue has grown by 2.63% in the last year.
HAFC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.86% yearly.
EPS 1Y (TTM)-2.71%
EPS 3Y-13.88%
EPS 5Y13.89%
EPS Q2Q%4.17%
Revenue 1Y (TTM)2.63%
Revenue growth 3Y-0.18%
Revenue growth 5Y2.86%
Sales Q2Q%15.06%

3.2 Future

HAFC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 17.02% yearly.
HAFC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.28% yearly.
EPS Next Y18.69%
EPS Next 2Y17.02%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.66%
Revenue Next 2Y10.28%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
HAFC Yearly Revenue VS EstimatesHAFC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M 200M 250M
HAFC Yearly EPS VS EstimatesHAFC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

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5

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 11.55, the valuation of HAFC can be described as reasonable.
HAFC's Price/Earnings ratio is a bit cheaper when compared to the industry. HAFC is cheaper than 64.03% of the companies in the same industry.
HAFC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.20.
With a Price/Forward Earnings ratio of 8.85, the valuation of HAFC can be described as very reasonable.
HAFC's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. HAFC is cheaper than 76.02% of the companies in the same industry.
HAFC is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.71, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.55
Fwd PE 8.85
HAFC Price Earnings VS Forward Price EarningsHAFC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, HAFC is valued a bit more expensive than the industry average as 75.77% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 27.85
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 17.02% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.62
PEG (5Y)0.83
EPS Next 2Y17.02%
EPS Next 3YN/A

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7

5. Dividend

5.1 Amount

HAFC has a Yearly Dividend Yield of 4.30%, which is a nice return.
Compared to an average industry Dividend Yield of 3.73, HAFC pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.38, HAFC pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.3%

5.2 History

The dividend of HAFC has a limited annual growth rate of 0.76%.
HAFC has paid a dividend for at least 10 years, which is a reliable track record.
HAFC has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)0.76%
Div Incr Years0
Div Non Decr Years4
HAFC Yearly Dividends per shareHAFC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

HAFC pays out 48.62% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of HAFC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP48.62%
EPS Next 2Y17.02%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M
HAFC Dividend Payout.HAFC Dividend Payout, showing the Payout Ratio.HAFC Dividend Payout.PayoutRetained Earnings

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HANMI FINANCIAL CORPORATION

NASDAQ:HAFC (9/17/2025, 4:10:08 PM)

After market: 24.85 +0.01 (+0.04%)

24.84

+0.32 (+1.31%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-22 2025-07-22/amc
Earnings (Next)10-20 2025-10-20/amc
Inst Owners93.79%
Inst Owner Change-1.21%
Ins Owners1.96%
Ins Owner Change3.58%
Market Cap748.43M
Analysts80
Price Target28.31 (13.97%)
Short Float %1.43%
Short Ratio2.54
Dividend
Industry RankSector Rank
Dividend Yield 4.3%
Yearly Dividend1
Dividend Growth(5Y)0.76%
DP48.62%
Div Incr Years0
Div Non Decr Years4
Ex-Date08-04 2025-08-04 (0.27)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-10.17%
Min EPS beat(2)-19.61%
Max EPS beat(2)-0.73%
EPS beat(4)1
Avg EPS beat(4)-2.95%
Min EPS beat(4)-19.61%
Max EPS beat(4)9.14%
EPS beat(8)3
Avg EPS beat(8)-2.35%
EPS beat(12)6
Avg EPS beat(12)-0.21%
EPS beat(16)10
Avg EPS beat(16)9.83%
Revenue beat(2)0
Avg Revenue beat(2)-2.82%
Min Revenue beat(2)-2.94%
Max Revenue beat(2)-2.69%
Revenue beat(4)0
Avg Revenue beat(4)-2.9%
Min Revenue beat(4)-3.17%
Max Revenue beat(4)-2.69%
Revenue beat(8)1
Avg Revenue beat(8)-3.01%
Revenue beat(12)2
Avg Revenue beat(12)-3%
Revenue beat(16)4
Avg Revenue beat(16)-1.72%
PT rev (1m)0%
PT rev (3m)2.78%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.69%
EPS NY rev (1m)-4.99%
EPS NY rev (3m)-4.56%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.21%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.57%
Valuation
Industry RankSector Rank
PE 11.55
Fwd PE 8.85
P/S 3.03
P/FCF 27.85
P/OCF 26.02
P/B 0.98
P/tB 1
EV/EBITDA N/A
EPS(TTM)2.15
EY8.66%
EPS(NY)2.81
Fwd EY11.3%
FCF(TTM)0.89
FCFY3.59%
OCF(TTM)0.95
OCFY3.84%
SpS8.21
BVpS25.32
TBVpS24.74
PEG (NY)0.62
PEG (5Y)0.83
Profitability
Industry RankSector Rank
ROA 0.82%
ROE 8.5%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.21%
GM N/A
FCFM 10.87%
ROA(3y)1.07%
ROA(5y)1.06%
ROE(3y)11.86%
ROE(5y)11.61%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-14.14%
PM growth 5Y10.44%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 4.87
Debt/EBITDA N/A
Cap/Depr 20.42%
Cap/Sales 0.76%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 41.46%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC17.88%
ROIC/WACCN/A
Cap/Depr(3y)22.39%
Cap/Depr(5y)24.79%
Cap/Sales(3y)0.92%
Cap/Sales(5y)1.17%
Profit Quality(3y)119.98%
Profit Quality(5y)117.32%
High Growth Momentum
Growth
EPS 1Y (TTM)-2.71%
EPS 3Y-13.88%
EPS 5Y13.89%
EPS Q2Q%4.17%
EPS Next Y18.69%
EPS Next 2Y17.02%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.63%
Revenue growth 3Y-0.18%
Revenue growth 5Y2.86%
Sales Q2Q%15.06%
Revenue Next Year12.66%
Revenue Next 2Y10.28%
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 1Y-83.66%
FCF growth 3Y-17.38%
FCF growth 5Y-2.14%
OCF growth 1Y-82.74%
OCF growth 3Y-16.81%
OCF growth 5Y-1.71%