HAFC Fundamental Analysis - HANMI FINANCIAL CORPORATION

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to HAFC. HAFC was compared to 393 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 correct valuation and a medium growth rate. HAFC also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year HAFC was profitable.

HAFC had a positive operating cash flow in the past year.

In the past 5 years HAFC has always been profitable.

HAFC had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

HAFC has a Return On Assets (0.82%) which is in line with its industry peers.

HAFC has a Return On Equity (8.50%) which is in line with its industry peers.

		Industry Rank	Sector 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

1.3 Margins

HAFC has a better Profit Margin (26.21%) than 65.65% 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 Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

The number of shares outstanding for HAFC has been reduced compared to 5 years ago.

HAFC has a better debt/assets ratio than last year.

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 67.18% of the companies in the same industry.

A Debt/Equity ratio of 0.17 indicates that HAFC is not too dependend on debt financing.

HAFC has a Debt to Equity ratio of 0.17. This is comparable to the rest of the industry: HAFC outperforms 51.15% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.17
Debt/FCF	4.87
Altman-Z	N/A

ROIC/WACCN/A

WACC17.63%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The earnings per share for HAFC have decreased by -2.71% in the last year.

The Earnings Per Share has been growing by 13.89% on average over the past years. This is quite good.

HAFC shows a small growth in Revenue. In the last year, the Revenue has grown by 2.63%.

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

Based on estimates for the next years, HAFC will show a quite strong growth in Earnings Per Share. The EPS will grow by 17.02% on average per year.

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 11.83, which indicates a very decent valuation of HAFC.

Based on the Price/Earnings ratio, HAFC is valued a bit cheaper than 63.36% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 27.14. HAFC is valued rather cheaply when compared to this.

The Price/Forward Earnings ratio is 9.06, which indicates a very decent valuation of HAFC.

HAFC's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. HAFC is cheaper than 73.79% of the companies in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.80, HAFC is valued rather cheaply.

		Industry Rank	Sector Rank
PE	11.83
Fwd PE	9.06

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of HAFC indicates a slightly more expensive valuation: HAFC is more expensive than 76.08% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	28.51
EV/EBITDA	N/A

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.

A more expensive valuation may be justified as HAFC's earnings are expected to grow with 17.02% in the coming years.

PEG (NY)0.63

PEG (5Y)0.85

EPS Next 2Y17.02%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

HAFC has a Yearly Dividend Yield of 4.57%, which is a nice return.

Compared to an average industry Dividend Yield of 3.30, HAFC pays a better dividend. On top of this HAFC pays more dividend than 85.24% of the companies listed in the same industry.

HAFC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.

		Industry Rank	Sector Rank
Dividend Yield	4.57%

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 Years0

Div Non Decr Years4

5.3 Sustainability

48.62% 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.

DP48.62%

EPS Next 2Y17.02%

EPS Next 3YN/A

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HANMI FINANCIAL CORPORATION

NASDAQ:HAFC (8/27/2025, 8:00:01 PM)

After market: 25.43 0 (0%)

25.43

+0.17 (+0.67%)

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 Change3.39%

Market Cap766.21M

Analysts80

Price Target28.31 (11.33%)

Short Float %1.43%

Short Ratio2.49

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.57%

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)1.37%

PT rev (3m)2.78%

EPS NQ rev (1m)0.86%

EPS NQ rev (3m)2.33%

EPS NY rev (1m)-4.99%

EPS NY rev (3m)-4.56%

Revenue NQ rev (1m)-0.1%

Revenue NQ rev (3m)0.18%

Revenue NY rev (1m)-0.64%

Revenue NY rev (3m)-0.57%

Valuation

		Industry Rank	Sector Rank
PE	11.83
Fwd PE	9.06
P/S	3.1
P/FCF	28.51
P/OCF	26.64
P/B	1
P/tB	1.03
EV/EBITDA	N/A

EPS(TTM)2.15

EY8.45%

EPS(NY)2.81

Fwd EY11.04%

FCF(TTM)0.89

FCFY3.51%

OCF(TTM)0.95

OCFY3.75%

SpS8.21

BVpS25.32

TBVpS24.74

PEG (NY)0.63

PEG (5Y)0.85

Profitability

		Industry Rank	Sector 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 Rank	Sector 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

WACC17.63%

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%

HANMI FINANCIAL CORPORATION (HAFC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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