28.25 USD
-0.02 (-0.07%)
28.25 USD
0 (0%)
Overall HAFC gets a fundamental rating of 5 out of 10. We evaluated HAFC against 387 industry peers in the Banks industry. Both the profitability and the financial health of HAFC get a neutral evaluation. Nothing too spectacular is happening here. HAFC has a decent growth rate and is not valued too expensively.
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.
HAFC had positive earnings in each of the past 5 years.
HAFC had a positive operating cash flow in each 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 52.20% of the companies in the same industry.
HAFC has a Return On Equity (9.23%) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.92% | ||
| ROE | 9.23% | ||
| 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
The Profit Margin of HAFC (27.69%) is better than 69.77% of its industry peers.
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-14.14%
PM growth 5Y10.44%
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.
HAFC has less shares outstanding than it did 5 years ago.
HAFC has a better debt/assets ratio than last year.
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 72.61% of the companies in the same industry.
A Debt/Equity ratio of 0.17 indicates that HAFC is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.17, HAFC is in line with its industry, outperforming 50.39% 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
WACC16.91%
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 nice 14.90% 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 13.89% on average per year.
HAFC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.32%.
HAFC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.86% yearly.
EPS 1Y (TTM)14.9%
EPS 3Y-13.88%
EPS 5Y13.89%
EPS Q2Q%48.98%
Revenue 1Y (TTM)11.32%
Revenue growth 3Y-0.18%
Revenue growth 5Y2.86%
Sales Q2Q%21.32%
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 17.62% on average per year.
The Revenue is expected to grow by 11.20% on average over the next years. This is quite good.
EPS Next Y25.61%
EPS Next 2Y22.08%
EPS Next 3Y17.62%
EPS Next 5YN/A
Revenue Next Year15.05%
Revenue Next 2Y13.03%
Revenue Next 3Y11.2%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 11.82 indicates a reasonable valuation of HAFC.
HAFC's Price/Earnings ratio is in line with the industry average.
HAFC is valuated cheaply when we compare the Price/Earnings ratio to 26.28, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 9.25, the valuation of HAFC can be described as very reasonable.
Based on the Price/Forward Earnings ratio, HAFC is valued a bit cheaper than 67.70% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.52, HAFC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.82 | ||
| Fwd PE | 9.25 |
4.2 Price Multiples
HAFC's Price/Free Cash Flow ratio is rather cheap when compared to the industry. HAFC is cheaper than 92.25% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.04 | ||
| 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 17.62% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.46
PEG (5Y)0.85
EPS Next 2Y22.08%
EPS Next 3Y17.62%
5. Dividend
5.1 Amount
HAFC has a Yearly Dividend Yield of 3.83%.
Compared to an average industry Dividend Yield of 3.11, HAFC pays a bit more dividend than its industry peers.
HAFC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.83% |
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
44.59% 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.
DP44.59%
EPS Next 2Y22.08%
EPS Next 3Y17.62%
28.25
-0.02 (-0.07%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners93.7%
Inst Owner Change0.25%
Ins Owners1.97%
Ins Owner Change-0.02%
Market Cap846.37M
Revenue(TTM)259.79M
Net Income(TTM)71.95M
Analysts80
Price Target31.24 (10.58%)
Short Float %1.54%
Short Ratio2.86
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.83% |
Yearly Dividend1
Dividend Growth(5Y)0.76%
DP44.59%
Div Incr Years0
Div Non Decr Years4
Ex-Date
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)10.36%
EPS NQ rev (1m)0%
EPS NQ rev (3m)8.07%
EPS NY rev (1m)0%
EPS NY rev (3m)5.83%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.17%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.12%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.82 | ||
| Fwd PE | 9.25 | ||
| P/S | 3.26 | ||
| P/FCF | 5.04 | ||
| P/OCF | 4.98 | ||
| P/B | 1.09 | ||
| P/tB | 1.11 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.39
EY8.46%
EPS(NY)3.06
Fwd EY10.81%
FCF(TTM)5.6
FCFY19.83%
OCF(TTM)5.68
OCFY20.1%
SpS8.67
BVpS26.02
TBVpS25.44
PEG (NY)0.46
PEG (5Y)0.85
Graham Number37.41
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)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
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-14.14%
PM growth 5Y10.44%
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
WACC16.91%
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)14.9%
EPS 3Y-13.88%
EPS 5Y13.89%
EPS Q2Q%48.98%
EPS Next Y25.61%
EPS Next 2Y22.08%
EPS Next 3Y17.62%
EPS Next 5YN/A
Revenue 1Y (TTM)11.32%
Revenue growth 3Y-0.18%
Revenue growth 5Y2.86%
Sales Q2Q%21.32%
Revenue Next Year15.05%
Revenue Next 2Y13.03%
Revenue Next 3Y11.2%
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 1Y14.9%
FCF growth 3Y-17.38%
FCF growth 5Y-2.14%
OCF growth 1Y16.11%
OCF growth 3Y-16.81%
OCF growth 5Y-1.71%
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 for HAFC stock?
ChartMill assigns a valuation rating of 6 / 10 to HANMI FINANCIAL CORPORATION (HAFC). This can be considered as Fairly Valued.
How profitable is HANMI FINANCIAL CORPORATION (HAFC) stock?
HANMI FINANCIAL CORPORATION (HAFC) has a profitability rating of 4 / 10.
Can you provide the financial health for HAFC stock?
The financial health rating of HANMI FINANCIAL CORPORATION (HAFC) is 4 / 10.
Can you provide the expected EPS growth for HAFC stock?
The Earnings per Share (EPS) of HANMI FINANCIAL CORPORATION (HAFC) is expected to grow by 25.61% in the next year.