HANMI FINANCIAL CORPORATION (HAFC) Stock Fundamental Analysis

NASDAQ:HAFC • US4104952043

26.11 USD
-1.15 (-4.22%)
At close: Feb 27, 2026
26.11 USD
0 (0%)
After Hours: 2/27/2026, 8:08:10 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Taking everything into account, HAFC scores 5 out of 10 in our fundamental rating. HAFC was compared to 379 industry peers in the Banks industry. The financial health of HAFC is average, but there are quite some concerns on its profitability. HAFC scores decently on growth, while it is valued quite cheap. This could make an interesting combination. HAFC also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

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.
  • Each year in the past 5 years HAFC has been profitable.
  • HAFC had a positive operating cash flow in 4 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M

1.2 Ratios

  • The Return On Assets of HAFC (0.92%) is comparable to the rest of the industry.
  • Looking at the Return On Equity, with a value of 9.23%, HAFC is in line with its industry, outperforming 53.30% of the companies in the same industry.
Industry RankSector 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
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

  • Looking at the Profit Margin, with a value of 27.69%, HAFC is in the better half of the industry, outperforming 67.81% 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 RankSector 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
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. 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.
  • HAFC has less shares outstanding than it did 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 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

  • 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.
  • HAFC has a better Debt to FCF ratio (0.78) than 73.09% of its industry peers.
  • A Debt/Equity ratio of 0.17 indicates that HAFC is not too dependend on debt financing.
  • HAFC has a Debt to Equity ratio (0.17) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 0.78
Altman-Z N/A
ROIC/WACCN/A
WACC17.22%
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. Growth

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.
  • HAFC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.59% yearly.
  • 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

  • The Earnings Per Share is expected to grow by 16.25% on average over the next years. This is quite good.
  • HAFC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.79% yearly.
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

  • 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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Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 10.40, the valuation of HAFC can be described as very reasonable.
  • HAFC's Price/Earnings ratio is a bit cheaper when compared to the industry. HAFC is cheaper than 74.14% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.07. HAFC is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 8.47, the valuation of HAFC can be described as reasonable.
  • HAFC's Price/Forward Earnings ratio is rather cheap when compared to the industry. HAFC is cheaper than 84.43% of the companies in the same industry.
  • HAFC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.05.
Industry RankSector Rank
PE 10.4
Fwd PE 8.47
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

  • 92.08% 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 4.65
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.
  • A more expensive valuation may be justified as HAFC's earnings are expected to grow with 16.25% in the coming years.
PEG (NY)0.46
PEG (5Y)0.56
EPS Next 2Y16.25%
EPS Next 3YN/A

More info and screens

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

8

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 4.11%, HAFC is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.73, HAFC pays a better dividend. On top of this HAFC pays more dividend than 84.17% 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 1.82.
Industry RankSector Rank
Dividend Yield 4.11%

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
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

  • 44.59% 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, but earnings are growing more, so the dividend growth is sustainable.
DP44.59%
EPS Next 2Y16.25%
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
HAFC Dividend Payout.HAFC Dividend Payout, showing the Payout Ratio.HAFC Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

HANMI FINANCIAL CORPORATION

NASDAQ:HAFC (2/27/2026, 8:08:10 PM)

After market: 26.11 0 (0%)

26.11

-1.15 (-4.22%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-20
Inst Owners93.52%
Inst Owner Change-0.59%
Ins Owners1.97%
Ins Owner Change-0.02%
Market Cap780.43M
Revenue(TTM)270.17M
Net Income(TTM)71.95M
Analysts77.78
Price Target32.3 (23.71%)
Short Float %1.83%
Short Ratio1.65
Dividend
Industry RankSector Rank
Dividend Yield 4.11%
Yearly Dividend1
Dividend Growth(5Y)0.76%
DP44.59%
Div Incr Years0
Div Non Decr Years4
Ex-Date02-09
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)2.15%
PT rev (3m)3.4%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0.89%
EPS NY rev (3m)0.89%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-0.65%
Revenue NY rev (3m)-0.65%
Valuation
Industry RankSector Rank
PE 10.4
Fwd PE 8.47
P/S 3
P/FCF 4.65
P/OCF 4.59
P/B 1
P/tB 1.02
EV/EBITDA N/A
EPS(TTM)2.51
EY9.61%
EPS(NY)3.08
Fwd EY11.81%
FCF(TTM)5.62
FCFY21.51%
OCF(TTM)5.69
OCFY21.8%
SpS8.69
BVpS26.08
TBVpS25.49
PEG (NY)0.46
PEG (5Y)0.56
Graham Number38.38
Profitability
Industry RankSector 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 RankSector 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
WACC17.22%
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%.