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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 Framework: Banks & Lenders Small Cap
Hanmi Financial Corporation (HAFC), is a Small Cap company, in the Banks - Regional industry, last closed at $32.70, about 13.3% overvalued vs fair value, +21.5% 1Y return, ranked 582/1078 in sector.
Metrics P/E 10.7× Rev Growth 15.7% ROE 10.0% Gross Margin 94.6% Div Yield 4.03%
USD 32.70
0.89%
(Delayed)
• Vol 90d: 18.4%
52-Week Range
Market Cap
$957.04M
Enterprise Value
$756.60M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Fair
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Fair
Completeness: 100%
Confidence: 94%
Updated: Oct 24
Top Beats

Quick Facts

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

Next Events

Earnings Oct 27 Call: Oct 27

Fair Value Snapshot

Bear Base Bull
$16
$28
$53
Current: $32.70 -13% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$409.5M
3.1%%
Interest Expense
$174.7M
Net Interest Income
$234.8M
16.6%%
Total Revenue
$270.2M
15.7%%
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
9.5%
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

$42.0M
55.7% 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
54
/100
Moderate
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Strong Net Interest Margin Net interest margin proxy is strong (score 0.73).
  • Industry-Leading Efficiency Operational efficiency is excellent (score 0.73).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Moderate
53
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing HAFC's balance between Growth (34.4%), Profitability (33.9%), and Safety (31.7%). Growth 34% Safety 32% Profitability 34%

Click axes to expand details. Marker shows current allocation.

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Growth

52th percentile vs peers
52
Key Signals
NII Growth YoY 16.6% 69p EPS Growth YoY 22.6% 56p Asset Growth YoY 2.5% 34p Equity Growth YoY 8.8% 48p
Strengths

No notable strengths identified for this axis.

Risks

No significant risks identified for this axis.

Profitability

51th percentile vs peers
51
Key Signals
Strengths
Risks
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Safety

48th percentile vs peers
48
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Hanmi Financial Corporation.

Loading valuation model...
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
$28.34
- - -
-13.3% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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