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Company Analysis

Hanmi Financial Corporation HAFC

A comprehensive view of key metrics, scores, and financial health for Hanmi Financial Corporation

Overview of Hanmi Financial Corporation

HAFC NMS
Financial Services Banks - Regional Small Cap
Hanmi Financial Corporation (HAFC), is a Small Cap company, in the Banks - Regional industry, last closed at $25.39, about 6.3% undervalued vs fair value, +14.7% 1Y return, placing in the top 25% of its sector.
$25.39
0.47%
As of March 13, 2026
Previous close • Vol 90d: 35.9%
52-Week Range
Market Cap
$760.57M
Enterprise Value
$828.19M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.hanmi.com
HQ Los Angeles, CA
Fiscal year Dec 31

Next Events

Earnings Apr 21 Estimated

Fair Value Snapshot

Bear Base Bull
$15
$27
$51
Current: $25.39 +6% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$397.3M
7.9%%
Interest Expense
$174.7M
Net Interest Income
$201.3M
-8.5%%
Total Revenue
$444.7M
90.5%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
8.4%
Fair

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$36.7M
59.5% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Hanmi Financial Corporation's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
55
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
43
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing HAFC's balance between Growth (38.4%), Profitability (31.7%), and Safety (29.8%). Growth 38% Safety 30% Profitability 32%

Click axes to expand details. Marker shows current allocation.

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Growth

56th percentile vs peers
57
Key Signals
Rev Growth YoY 90.5% 77p Revenue CAGR 3Y 17.8% 48p Asset Growth YoY 2.5% 37p
Strengths

No notable strengths identified for this axis.

Risks

No significant risks identified for this axis.

Profitability

46th percentile vs peers
47
Key Signals
Strengths
Risks
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Safety

43th percentile vs peers
44
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Hanmi Financial Corporation.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$26.99
- - -
+6.3% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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