29.34 USD
+1.25 (+4.45%)
HAFC gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 383 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 correct valuation and a medium growth rate.
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 each of the past 5 years.
1.2 Ratios
- HAFC has a Return On Assets of 0.92%. This is comparable to the rest of the industry: HAFC outperforms 51.44% of its industry peers.
- Looking at the Return On Equity, with a value of 9.23%, HAFC is in line with its industry, outperforming 53.52% of the companies in the same industry.
| 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
- With a decent Profit Margin value of 27.69%, HAFC is doing good in 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-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.
- Compared to 1 year ago, HAFC has less shares outstanding
- 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.
- HAFC has a Debt to FCF ratio of 0.78. This is in the better half of the industry: HAFC outperforms 72.85% of its industry peers.
- HAFC has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.
- HAFC has a Debt to Equity ratio (0.17) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 0.78 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.98%
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.
- The Earnings Per Share has been growing by 13.89% on average over the past years. This is quite good.
- Looking at the last year, HAFC shows a quite strong growth in Revenue. The Revenue has grown by 11.32% 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)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
- HAFC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 17.62% yearly.
- 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
- 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.
- 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
- Based on the Price/Earnings ratio of 12.28, the valuation of HAFC can be described as correct.
- Based on the Price/Earnings ratio, HAFC is valued a bit cheaper than 61.36% of the companies in the same industry.
- HAFC is valuated cheaply when we compare the Price/Earnings ratio to 26.94, which is the current average of the S&P500 Index.
- With a Price/Forward Earnings ratio of 9.60, the valuation of HAFC can be described as very reasonable.
- 72.58% of the companies in the same industry are more expensive than HAFC, based on the Price/Forward Earnings ratio.
- HAFC is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.94, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.28 | ||
| Fwd PE | 9.6 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of HAFC indicates a rather cheap valuation: HAFC is cheaper than 92.43% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.24 | ||
| 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 17.62% in the coming years.
PEG (NY)0.48
PEG (5Y)0.88
EPS Next 2Y22.08%
EPS Next 3Y17.62%
5. Dividend
5.1 Amount
- HAFC has a Yearly Dividend Yield of 3.74%.
- HAFC's Dividend Yield is a higher than the industry average which is at 2.85.
- Compared to an average S&P500 Dividend Yield of 1.83, HAFC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.74% |
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
- 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%
NASDAQ:HAFC (1/21/2026, 1:19:47 PM)
29.34
+1.25 (+4.45%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-21 2025-10-21/amc
Earnings (Next)01-27 2026-01-27/amc
Inst Owners93.52%
Inst Owner Change-0.13%
Ins Owners1.97%
Ins Owner Change-0.02%
Market Cap879.03M
Revenue(TTM)259.79M
Net Income(TTM)71.95M
Analysts80
Price Target31.62 (7.77%)
Short Float %1.97%
Short Ratio2.23
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.74% |
Yearly Dividend1
Dividend Growth(5Y)0.76%
DP44.59%
Div Incr Years0
Div Non Decr Years4
Ex-DateN/A
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)1.22%
PT rev (3m)11.71%
EPS NQ rev (1m)0%
EPS NQ rev (3m)7.62%
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)2.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.28 | ||
| Fwd PE | 9.6 | ||
| P/S | 3.38 | ||
| P/FCF | 5.24 | ||
| P/OCF | 5.17 | ||
| P/B | 1.13 | ||
| P/tB | 1.15 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.39
EY8.15%
EPS(NY)3.06
Fwd EY10.41%
FCF(TTM)5.6
FCFY19.1%
OCF(TTM)5.68
OCFY19.35%
SpS8.67
BVpS26.02
TBVpS25.44
PEG (NY)0.48
PEG (5Y)0.88
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
WACC16.98%
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 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 4 / 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 25.61% in the next year.
How sustainable is the dividend of HANMI FINANCIAL CORPORATION (HAFC) stock?
The dividend rating of HANMI FINANCIAL CORPORATION (HAFC) is 6 / 10 and the dividend payout ratio is 44.59%.