HANMI FINANCIAL CORPORATION (HAFC) Fundamental Analysis & Valuation

NASDAQ:HAFC • US4104952043

Current stock price

26.26 USD
+0.08 (+0.31%)
Last:

This HAFC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. HAFC Profitability Analysis

1.1 Basic Checks

  • HAFC had positive earnings in the past year.
  • HAFC had a positive operating cash flow in the past year.
  • HAFC had positive earnings in each of the past 5 years.
  • In the past 5 years HAFC always reported a positive cash flow from operatings.
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 150M 200M

1.2 Ratios

  • HAFC has a Return On Assets (0.96%) which is in line with its industry peers.
  • HAFC's Return On Equity of 9.48% is in line compared to the rest of the industry. HAFC outperforms 53.42% of its industry peers.
Industry RankSector Rank
ROA 0.96%
ROE 9.48%
ROIC N/A
ROA(3y)0.94%
ROA(5y)1.12%
ROE(3y)9.75%
ROE(5y)12.06%
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

  • With a decent Profit Margin value of 27.94%, HAFC is doing good in the industry, outperforming 64.47% of the companies in the same industry.
  • In the last couple of years the Profit Margin of HAFC has grown nicely.
  • The Operating Margin and Gross Margin are not available for HAFC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 27.94%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.01%
PM growth 5Y8.46%
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. HAFC Health Analysis

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.
  • Compared to 5 years ago, HAFC has less shares outstanding
  • Compared to 1 year ago, HAFC has an improved debt to assets ratio.
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

  • HAFC has a debt to FCF ratio of 0.64. This is a very positive value and a sign of high solvency as it would only need 0.64 years to pay back of all of its debts.
  • HAFC has a better Debt to FCF ratio (0.64) than 76.84% of its industry peers.
  • A Debt/Equity ratio of 0.16 indicates that HAFC is not too dependend on debt financing.
  • HAFC has a Debt to Equity ratio (0.16) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 0.64
Altman-Z N/A
ROIC/WACCN/A
WACC17.25%
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. HAFC Growth Analysis

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.
  • The Earnings Per Share has been growing by 18.59% 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 15.28% in the last year.
  • 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

  • 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.
  • 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

  • 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.
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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7

4. HAFC Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 10.46, which indicates a very decent valuation of HAFC.
  • Compared to the rest of the industry, the Price/Earnings ratio of HAFC indicates a somewhat cheap valuation: HAFC is cheaper than 70.53% of the companies listed in the same industry.
  • HAFC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.61.
  • Based on the Price/Forward Earnings ratio of 8.52, the valuation of HAFC can be described as reasonable.
  • 82.89% of the companies in the same industry are more expensive than HAFC, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 22.79. HAFC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.46
Fwd PE 8.52
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

  • Based on the Price/Free Cash Flow ratio, HAFC is valued cheaper than 94.47% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.85
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

  • 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 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. HAFC Dividend Analysis

5.1 Amount

  • HAFC has a Yearly Dividend Yield of 4.36%, which is a nice return.
  • HAFC's Dividend Yield is rather good when compared to the industry average which is at 2.78. HAFC pays more dividend than 85.79% of the companies in the same industry.
  • HAFC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 4.36%

5.2 History

  • The dividend of HAFC is nicely growing with an annual growth rate of 15.85%!
  • 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)15.85%
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

  • 43.22% 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 around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP43.22%
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 150M 200M
HAFC Dividend Payout.HAFC Dividend Payout, showing the Payout Ratio.HAFC Dividend Payout.PayoutRetained Earnings

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HAFC Fundamentals: All Metrics, Ratios and Statistics

HANMI FINANCIAL CORPORATION

NASDAQ:HAFC (3/26/2026, 3:45:49 PM)

26.26

+0.08 (+0.31%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-20
Inst Owners92.76%
Inst Owner Change-0.59%
Ins Owners1.98%
Ins Owner Change1.6%
Market Cap784.91M
Revenue(TTM)270.17M
Net Income(TTM)75.48M
Analysts77.78
Price Target32.3 (23%)
Short Float %3.21%
Short Ratio3.29
Dividend
Industry RankSector Rank
Dividend Yield 4.36%
Yearly Dividend1.09
Dividend Growth(5Y)15.85%
DP43.22%
Div Incr Years0
Div Non Decr Years4
Ex-Date02-09
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.82%
Min EPS beat(2)-2.34%
Max EPS beat(2)9.98%
EPS beat(4)1
Avg EPS beat(4)-3.18%
Min EPS beat(4)-19.61%
Max EPS beat(4)9.98%
EPS beat(8)3
Avg EPS beat(8)-1.24%
EPS beat(12)5
Avg EPS beat(12)-1.41%
EPS beat(16)9
Avg EPS beat(16)2.53%
Revenue beat(2)1
Avg Revenue beat(2)0.01%
Min Revenue beat(2)-2.25%
Max Revenue beat(2)2.27%
Revenue beat(4)1
Avg Revenue beat(4)-1.4%
Min Revenue beat(4)-2.94%
Max Revenue beat(4)2.27%
Revenue beat(8)1
Avg Revenue beat(8)-2.49%
Revenue beat(12)2
Avg Revenue beat(12)-2.85%
Revenue beat(16)4
Avg Revenue beat(16)-1.98%
PT rev (1m)0%
PT rev (3m)3.4%
EPS NQ rev (1m)-0.56%
EPS NQ rev (3m)-0.07%
EPS NY rev (1m)0%
EPS NY rev (3m)0.89%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.45%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.65%
Valuation
Industry RankSector Rank
PE 10.46
Fwd PE 8.52
P/S 2.91
P/FCF 3.85
P/OCF 3.81
P/B 0.99
P/tB 1.01
EV/EBITDA N/A
EPS(TTM)2.51
EY9.56%
EPS(NY)3.08
Fwd EY11.74%
FCF(TTM)6.82
FCFY25.95%
OCF(TTM)6.89
OCFY26.25%
SpS9.04
BVpS26.64
TBVpS26.06
PEG (NY)0.46
PEG (5Y)0.56
Graham Number38.79
Profitability
Industry RankSector Rank
ROA 0.96%
ROE 9.48%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.94%
GM N/A
FCFM 75.4%
ROA(3y)0.94%
ROA(5y)1.12%
ROE(3y)9.75%
ROE(5y)12.06%
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-9.01%
PM growth 5Y8.46%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 0.64
Debt/EBITDA N/A
Cap/Depr 40.78%
Cap/Sales 0.85%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 269.89%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC17.25%
ROIC/WACCN/A
Cap/Depr(3y)31.79%
Cap/Depr(5y)24.95%
Cap/Sales(3y)0.97%
Cap/Sales(5y)0.95%
Profit Quality(3y)161.86%
Profit Quality(5y)144.54%
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 1Y296.89%
FCF growth 3Y11.89%
FCF growth 5Y29.56%
OCF growth 1Y281.89%
OCF growth 3Y11.83%
OCF growth 5Y27.9%

HANMI FINANCIAL CORPORATION / HAFC Fundamental Analysis 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 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 43.22%.