HAFC Fundamental Analysis - HANMI FINANCIAL CORPORATION

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to HAFC. HAFC was compared to 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 is not valued too expensively and it also shows a decent growth rate. HAFC also has an excellent dividend rating.

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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.

In the past 5 years HAFC always reported a positive cash flow from operatings.

1.2 Ratios

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

The Return On Equity of HAFC (8.50%) is comparable to the rest of the industry.

		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

Looking at the Profit Margin, with a value of 26.21%, HAFC is in the better half of the industry, outperforming 64.54% 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)	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.

Compared to 1 year ago, HAFC has less shares outstanding

Compared to 5 years ago, HAFC has less shares outstanding

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

2.2 Solvency

HAFC has a debt to FCF ratio of 4.87. This is a neutral value as HAFC would need 4.87 years to pay back of all of its debts.

HAFC has a Debt to FCF ratio of 4.87. This is in the lower half of the industry: HAFC underperforms 66.84% of its industry peers.

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

The Debt to Equity ratio of HAFC (0.17) is comparable to the rest of the industry.

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

ROIC/WACCN/A

WACC17.61%

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

HAFC shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -2.71%.

HAFC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 13.89% yearly.

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

Measured over the past years, HAFC shows a small growth in Revenue. The Revenue has been growing by 2.86% on average per year.

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

The Earnings Per Share is expected to grow by 17.02% on average over the next years. This is quite good.

The Revenue is expected to grow by 10.28% on average over the next years. This is quite good.

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

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 11.74, which indicates a very decent valuation of HAFC.

HAFC's Price/Earnings ratio is a bit cheaper when compared to the industry. HAFC is cheaper than 62.76% 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 27.41.

A Price/Forward Earnings ratio of 8.99 indicates a reasonable valuation of HAFC.

73.72% of the companies in the same industry are more expensive than HAFC, based on the Price/Forward Earnings ratio.

HAFC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.88.

		Industry Rank	Sector Rank
PE	11.74
Fwd PE	8.99

4.2 Price Multiples

HAFC's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. HAFC is more expensive than 76.28% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	28.3
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.

HAFC's earnings are expected to grow with 17.02% in the coming years. This may justify a more expensive valuation.

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

With a Yearly Dividend Yield of 4.30%, HAFC is a good candidate for dividend investing.

HAFC's Dividend Yield is a higher than the industry average which is at 3.73.

Compared to an average S&P500 Dividend Yield of 2.38, HAFC pays a better dividend.

		Industry Rank	Sector 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

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 (9/19/2025, 12:05:10 PM)

25.24

-0.34 (-1.33%)

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 Cap760.48M

Analysts80

Price Target28.31 (12.16%)

Short Float %1.43%

Short Ratio2.54

Dividend

		Industry Rank	Sector 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 Rank	Sector Rank
PE	11.74
Fwd PE	8.99
P/S	3.07
P/FCF	28.3
P/OCF	26.44
P/B	1
P/tB	1.02
EV/EBITDA	N/A

EPS(TTM)2.15

EY8.52%

EPS(NY)2.81

Fwd EY11.12%

FCF(TTM)0.89

FCFY3.53%

OCF(TTM)0.95

OCFY3.78%

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

WACC17.61%

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

More info and screens

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

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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