28.09 USD
+0.13 (+0.46%)
At close: Feb 6, 2026
28.09 USD
0 (0%)
After Hours: 2/6/2026, 8:00:01 PM
HAFC gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. The financial health of HAFC is average, but there are quite some concerns on its profitability. HAFC is valued quite cheap, while showing a decent growth score. This is a good combination! HAFC also has an excellent dividend rating.
1. Profitability
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.
- HAFC had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- Looking at the Return On Assets, with a value of 0.92%, HAFC is in line with its industry, outperforming 51.17% of the companies in the same industry.
- HAFC has a Return On Equity (9.23%) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.92% | ||
| ROE | 9.23% | ||
| ROIC | N/A |
ROA(3y)0.94%
ROA(5y)1.12%
ROE(3y)9.77%
ROE(5y)12.07%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- Looking at the Profit Margin, with a value of 27.69%, HAFC is in the better half of the industry, outperforming 68.93% of the companies in the same industry.
- 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 27.69% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-8.77%
PM growth 5Y8.63%
GM growth 3YN/A
GM growth 5YN/A
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.
- Compared to 1 year ago, HAFC has an improved debt to assets ratio.
2.2 Solvency
- The Debt to FCF ratio of HAFC is 0.78, which is an excellent value as it means it would take HAFC, only 0.78 years of fcf income to pay off all of its debts.
- Looking at the Debt to FCF ratio, with a value of 0.78, HAFC is in the better half of the industry, outperforming 72.85% 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 50.91% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 0.78 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.96%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 22.44% over the past year.
- Measured over the past years, HAFC shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.59% on average per year.
- Looking at the last year, HAFC shows a quite strong growth in Revenue. The Revenue has grown by 15.28% in the last year.
- Measured over the past years, HAFC shows a small growth in Revenue. The Revenue has been growing by 3.82% on average per year.
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
- HAFC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 16.25% yearly.
- The Revenue is expected to grow by 8.79% on average over the next years. This is quite good.
EPS Next Y22.81%
EPS Next 2Y16.25%
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
- The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 11.19, the valuation of HAFC can be described as reasonable.
- Based on the Price/Earnings ratio, HAFC is valued a bit cheaper than 74.93% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.92. HAFC is valued rather cheaply when compared to this.
- With a Price/Forward Earnings ratio of 9.11, the valuation of HAFC can be described as very reasonable.
- Based on the Price/Forward Earnings ratio, HAFC is valued cheaper than 83.55% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 27.78. HAFC is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.19 | ||
| Fwd PE | 9.11 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, HAFC is valued cheaper than 92.69% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.01 | ||
| EV/EBITDA | N/A |
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 16.25% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.49
PEG (5Y)0.6
EPS Next 2Y16.25%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- HAFC has a Yearly Dividend Yield of 4.08%, which is a nice return.
- Compared to an average industry Dividend Yield of 2.65, HAFC pays a better dividend. On top of this HAFC pays more dividend than 84.86% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.83, HAFC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.08% |
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
5.3 Sustainability
- HAFC pays out 44.59% 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.
DP44.59%
EPS Next 2Y16.25%
EPS Next 3YN/A
28.09
+0.13 (+0.46%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27 2026-01-27/amc
Earnings (Next)04-20 2026-04-20
Inst Owners93.52%
Inst Owner Change-0.47%
Ins Owners1.97%
Ins Owner Change-0.02%
Market Cap841.58M
Revenue(TTM)270.17M
Net Income(TTM)71.95M
Analysts80
Price Target32.3 (14.99%)
Short Float %1.97%
Short Ratio1.88
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.08% |
Yearly Dividend1
Dividend Growth(5Y)0.76%
DP44.59%
Div Incr Years0
Div Non Decr Years4
Ex-Date02-09 2026-02-09 (0.28)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-4.81%
Min EPS beat(2)-19.61%
Max EPS beat(2)9.98%
EPS beat(4)2
Avg EPS beat(4)-0.3%
Min EPS beat(4)-19.61%
Max EPS beat(4)9.98%
EPS beat(8)4
Avg EPS beat(8)-0.83%
EPS beat(12)6
Avg EPS beat(12)-0.42%
EPS beat(16)10
Avg EPS beat(16)7.5%
Revenue beat(2)1
Avg Revenue beat(2)-0.21%
Min Revenue beat(2)-2.69%
Max Revenue beat(2)2.27%
Revenue beat(4)1
Avg Revenue beat(4)-1.63%
Min Revenue beat(4)-3.17%
Max Revenue beat(4)2.27%
Revenue beat(8)1
Avg Revenue beat(8)-3.1%
Revenue beat(12)2
Avg Revenue beat(12)-2.99%
Revenue beat(16)4
Avg Revenue beat(16)-2.05%
PT rev (1m)0%
PT rev (3m)1.22%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.36%
EPS NY rev (1m)0%
EPS NY rev (3m)5.54%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.19 | ||
| Fwd PE | 9.11 | ||
| P/S | 3.24 | ||
| P/FCF | 5.01 | ||
| P/OCF | 4.95 | ||
| P/B | 1.08 | ||
| P/tB | 1.1 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.51
EY8.94%
EPS(NY)3.08
Fwd EY10.97%
FCF(TTM)5.6
FCFY19.95%
OCF(TTM)5.68
OCFY20.21%
SpS8.67
BVpS26.02
TBVpS25.44
PEG (NY)0.49
PEG (5Y)0.6
Graham Number38.33
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.92% | ||
| ROE | 9.23% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 27.69% | ||
| GM | N/A | ||
| FCFM | 64.62% |
ROA(3y)0.94%
ROA(5y)1.12%
ROE(3y)9.77%
ROE(5y)12.07%
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-8.77%
PM growth 5Y8.63%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 0.78 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 33.23% | ||
| Cap/Sales | 0.86% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 233.33% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC16.96%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)22.44%
EPS 3Y-8.9%
EPS 5Y18.59%
EPS Q2Q%20.69%
EPS Next Y22.81%
EPS Next 2Y16.25%
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 1Y300.57%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y271.35%
OCF growth 3YN/A
OCF growth 5YN/A
HANMI FINANCIAL CORPORATION / HAFC 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.
How profitable is HANMI FINANCIAL CORPORATION (HAFC) stock?
HANMI FINANCIAL CORPORATION (HAFC) has a profitability rating of 3 / 10.
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 22.81% in the next year.
How sustainable is the dividend of HANMI FINANCIAL CORPORATION (HAFC) stock?
The dividend rating of HANMI FINANCIAL CORPORATION (HAFC) is 8 / 10 and the dividend payout ratio is 44.59%.