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HANMI FINANCIAL CORPORATION (HAFC) Stock Fundamental Analysis

NASDAQ:HAFC - Nasdaq - US4104952043 - Common Stock - Currency: USD

22.74  -0.48 (-2.07%)

After market: 22.74 0 (0%)

Fundamental Rating

5

HAFC gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 398 industry peers in the Banks industry. While HAFC is still in line with the averages on profitability rating, there are concerns on its financial health. HAFC has a decent growth rate and is not valued too expensively. Finally HAFC also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

HAFC had positive earnings in the past year.
In the past year HAFC had a positive cash flow from operations.
In the past 5 years HAFC has always been profitable.
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

With a Return On Assets value of 0.80%, HAFC perfoms like the industry average, outperforming 48.24% of the companies in the same industry.
HAFC has a Return On Equity of 8.43%. This is comparable to the rest of the industry: HAFC outperforms 50.75% of its industry peers.
Industry RankSector Rank
ROA 0.8%
ROE 8.43%
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

HAFC has a better Profit Margin (26.33%) than 66.83% of its industry peers.
In the last couple of years the Profit Margin of HAFC has grown nicely.
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) 26.33%
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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3

2. Health

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 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

HAFC has a debt to FCF ratio of 2.55. This is a good value and a sign of high solvency as HAFC would need 2.55 years to pay back of all of its debts.
With a Debt to FCF ratio value of 2.55, HAFC perfoms like the industry average, outperforming 43.97% of the companies in the same industry.
HAFC has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
HAFC has a Debt to Equity ratio of 0.18. This is comparable to the rest of the industry: HAFC outperforms 52.76% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 2.55
Altman-Z N/A
ROIC/WACCN/A
WACC18.21%
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

HAFC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -11.25%.
The Earnings Per Share has been growing by 13.89% on average over the past years. This is quite good.
Looking at the last year, HAFC shows a decrease in Revenue. The Revenue has decreased by -8.26% in the last year.
The Revenue has been growing slightly by 2.86% on average over the past years.
EPS 1Y (TTM)-11.25%
EPS 3Y-13.88%
EPS 5Y13.89%
EPS Q2Q%16%
Revenue 1Y (TTM)-8.26%
Revenue growth 3Y-0.18%
Revenue growth 5Y2.86%
Sales Q2Q%7.59%

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 16.14% yearly.
The Revenue is expected to grow by 10.64% on average over the next years. This is quite good.
EPS Next Y22.51%
EPS Next 2Y16.14%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year13.95%
Revenue Next 2Y10.64%
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 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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6

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.68, which indicates a very decent valuation of HAFC.
Based on the Price/Earnings ratio, HAFC is valued a bit cheaper than 61.56% 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 28.79.
Based on the Price/Forward Earnings ratio of 8.22, the valuation of HAFC can be described as reasonable.
HAFC's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. HAFC is cheaper than 72.11% of the companies in the same industry.
HAFC is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.38, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.68
Fwd PE 8.22
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of HAFC is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 13.39
EV/EBITDA N/A
HAFC Per share dataHAFC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

The 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 16.14% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.47
PEG (5Y)0.77
EPS Next 2Y16.14%
EPS Next 3YN/A

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8

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.65%, HAFC is a good candidate for dividend investing.
HAFC's Dividend Yield is rather good when compared to the industry average which is at 3.54. HAFC pays more dividend than 80.15% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.47, HAFC pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.65%

5.2 History

The dividend of HAFC has a limited annual growth rate of 0.76%.
HAFC has been paying a dividend for at least 10 years, so it has a reliable track record.
HAFC has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)0.76%
Div Incr Years3
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

49.24% of the earnings are spent on dividend by HAFC. This is a bit on the high side, but may be sustainable.
HAFC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP49.24%
EPS Next 2Y16.14%
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 (4/25/2025, 8:12:41 PM)

After market: 22.74 0 (0%)

22.74

-0.48 (-2.07%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-22 2025-04-22/amc
Earnings (Next)07-21 2025-07-21/amc
Inst Owners92.79%
Inst Owner Change-0.85%
Ins Owners1.75%
Ins Owner Change1.77%
Market Cap687.20M
Analysts76.67
Price Target27.03 (18.87%)
Short Float %1.73%
Short Ratio2.21
Dividend
Industry RankSector Rank
Dividend Yield 4.65%
Yearly Dividend1
Dividend Growth(5Y)0.76%
DP49.24%
Div Incr Years3
Div Non Decr Years4
Ex-Date02-10 2025-02-10 (0.27)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)4.27%
Min EPS beat(2)-0.61%
Max EPS beat(2)9.14%
EPS beat(4)2
Avg EPS beat(4)0.7%
Min EPS beat(4)-6.03%
Max EPS beat(4)9.14%
EPS beat(8)4
Avg EPS beat(8)-0.53%
EPS beat(12)8
Avg EPS beat(12)4.44%
EPS beat(16)12
Avg EPS beat(16)15.46%
Revenue beat(2)0
Avg Revenue beat(2)-2.98%
Min Revenue beat(2)-3.17%
Max Revenue beat(2)-2.78%
Revenue beat(4)0
Avg Revenue beat(4)-3.58%
Min Revenue beat(4)-5.34%
Max Revenue beat(4)-2.78%
Revenue beat(8)1
Avg Revenue beat(8)-3.58%
Revenue beat(12)3
Avg Revenue beat(12)-2.17%
Revenue beat(16)6
Avg Revenue beat(16)-0.99%
PT rev (1m)0%
PT rev (3m)4.62%
EPS NQ rev (1m)-0.35%
EPS NQ rev (3m)12.06%
EPS NY rev (1m)-0.08%
EPS NY rev (3m)8.43%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.82%
Revenue NY rev (1m)-0.06%
Revenue NY rev (3m)1.88%
Valuation
Industry RankSector Rank
PE 10.68
Fwd PE 8.22
P/S 2.93
P/FCF 13.39
P/OCF 12.74
P/B 0.94
P/tB 0.96
EV/EBITDA N/A
EPS(TTM)2.13
EY9.37%
EPS(NY)2.77
Fwd EY12.16%
FCF(TTM)1.7
FCFY7.47%
OCF(TTM)1.79
OCFY7.85%
SpS7.76
BVpS24.23
TBVpS23.65
PEG (NY)0.47
PEG (5Y)0.77
Profitability
Industry RankSector Rank
ROA 0.8%
ROE 8.43%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.33%
GM N/A
FCFM 21.9%
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 0.18
Debt/FCF 2.55
Debt/EBITDA N/A
Cap/Depr 28.44%
Cap/Sales 1.12%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 83.19%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC18.21%
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)-11.25%
EPS 3Y-13.88%
EPS 5Y13.89%
EPS Q2Q%16%
EPS Next Y22.51%
EPS Next 2Y16.14%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-8.26%
Revenue growth 3Y-0.18%
Revenue growth 5Y2.86%
Sales Q2Q%7.59%
Revenue Next Year13.95%
Revenue Next 2Y10.64%
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-51.3%
FCF growth 3Y-17.38%
FCF growth 5Y-2.14%
OCF growth 1Y-49.96%
OCF growth 3Y-16.81%
OCF growth 5Y-1.71%