Overview Dividends

(HAFC) Hanmi Financial - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US4104952043

Deposits, Loans, Leasing, SBA, Trade

HAFC EPS (Earnings per Share)

EPS Growth (3Y CAGR): -64.33%
EPS Trend (3Y Correlation): -76.7%

HAFC Revenue

Revenue Growth (3Y CAGR): 12.02%
Revenue Trend (3Y Correlation): 88.2%

Description: HAFC Hanmi Financial

Hanmi Financial Corporation (NASDAQ:HAFC) is the holding company for Hanmi Bank, a U.S.-based regional bank that delivers a full suite of business-banking products, including non-interest-bearing checking, negotiable order of withdrawal (NOW) accounts, savings, money-market accounts, and certificates of deposit.

The bank’s loan portfolio spans real-estate financing (commercial, construction, and residential), commercial and industrial lending (term loans, lines of credit, and equipment leases), and a suite of international trade services such as letters of credit and import/export financing. It also originates SBA-backed loans for owner-occupied commercial real estate, acquisitions, franchise start-ups, working-capital needs, and debt refinancing.

Key operating metrics (as of Q2 2024) show approximately $2.3 billion in total assets, a loan-to-deposit ratio of roughly 78 %, a net interest margin (NIM) of 3.2 %, and a return on equity (ROE) near 8.5 %. Loan growth has been modest at about 5 % year-over-year, while deposit growth has slowed amid a flattening yield curve.

Sector-level drivers that materially affect HAFC’s performance include the Federal Reserve’s interest-rate policy (which directly influences NIM), regional commercial-real-estate market health (particularly in California), and the health of the SBA loan pipeline, which tends to expand when small-business confidence rises.

For a deeper quantitative analysis of HAFC’s valuation and risk profile, you might explore the data and modeling tools available on ValueRay.

HAFC Stock Overview

Market Cap in USD	756m
Sub-Industry	Regional Banks
IPO / Inception	1996-10-04

HAFC Stock Ratings

Growth Rating	32.0%
Fundamental	51.7%
Dividend Rating	80.9%
Return 12m vs S&P 500	6.05%
Analyst Rating	3.75 of 5

HAFC Dividends

Dividend Yield 12m	4.40%
Yield on Cost 5y	15.61%
Annual Growth 5y	17.76%
Payout Consistency	72.6%
Payout Ratio	49.3%

HAFC Growth Ratios

Growth Correlation 3m	38.4%
Growth Correlation 12m	36.7%
Growth Correlation 5y	45.6%
CAGR 5y	3.61%
CAGR/Max DD 3y (Calmar Ratio)	0.08
CAGR/Mean DD 3y (Pain Ratio)	0.16
Sharpe Ratio 12m	0.50
Alpha	13.41
Beta	0.757
Volatility	31.69%
Current Volume	84.4k
Average Volume 20d	127.8k
Stop Loss	23.3 (-3.3%)
Signal	-0.19

Piotroski VR‑10 (Strict, 0-10) 4.5

Net Income (65.4m TTM) > 0 and > 6% of Revenue (6% = 25.9m TTM)

FCFTA 0.00 (>2.0%) and ΔFCFTA -0.55pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -1253 % (prev -1153 %; Δ -100.2pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.00 (>3.0%) and CFO 28.8m <= Net Income 65.4m (YES >=105%, WARN >=100%)

Net Debt (258.5m) to EBITDA (97.6m) ratio: 2.65 <= 3.0 (WARN <= 3.5)

Current Ratio 0.19 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (30.1m) change vs 12m ago -0.27% (target <= -2.0% for YES)

Gross Margin 65.96% (prev 55.70%; Δ 10.26pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 5.60% (prev 5.53%; Δ 0.07pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.39 (EBITDA TTM 97.6m / Interest Expense TTM 185.4m) >= 6 (WARN >= 3)

Altman Z'' -4.26

(A) -0.69 = (Total Current Assets 1.28b - Total Current Liabilities 6.70b) / Total Assets 7.86b

(B) 0.05 = Retained Earnings (Balance) 367.3m / Total Assets 7.86b

(D) 0.04 = Book Value of Equity 312.8m / Total Liabilities 7.10b

Total Rating: -4.26 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 51.74

1. Piotroski 4.50pt = -0.50

2. FCF Yield 4.23% = 2.12

3. FCF Margin 6.22% = 1.55

4. Debt/Equity 0.34 = 2.44

5. Debt/Ebitda 2.65 = -1.22

6. ROIC - WACC (= -4.93)% = -6.17

7. RoE 8.77% = 0.73

8. Rev. Trend 88.16% = 6.61

9. EPS Trend -76.68% = -3.83

What is the price of HAFC shares?

As of October 14, 2025, the stock is trading at USD 24.10 with a total of 84,383 shares traded.
Over the past week, the price has changed by -3.91%, over one month by -3.14%, over three months by -5.12% and over the past year by +21.80%.

Is Hanmi Financial a good stock to buy?

Neither. Based on ValueRay´s Fundamental Analyses, Hanmi Financial is currently (October 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 51.74 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of HAFC is around 23.12 USD . This means that HAFC is currently overvalued and has a potential downside of -4.07%.

Is HAFC a buy, sell or hold?

Hanmi Financial has received a consensus analysts rating of 3.75. Therefor, it is recommend to hold HAFC.

Strong Buy: 1
Buy: 1
Hold: 2
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the HAFC price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	27.8	15.1%
Analysts Target Price	27.8	15.1%
ValueRay Target Price	26.1	8.1%

Last update: 2025-09-30 03:50

HAFC Fundamental Data Overview

Market Cap USD = 756.5m (756.5m USD * 1.0 USD.USD)
P/E Trailing = 11.625
P/E Forward = 8.6207
P/S = 3.2364
P/B = 0.9917
P/EG = 2.14
Beta = 0.757
Revenue TTM = 432.2m USD
EBIT TTM = 71.6m USD
EBITDA TTM = 97.6m USD
Long Term Debt = 143.5m USD (from longTermDebt, last quarter)
Short Term Debt = 115.0m USD (from shortLongTermDebt, last quarter)
Debt = 258.5m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 258.5m USD (from netDebt column, last quarter)
Enterprise Value = 634.9m USD (756.5m + Debt 258.5m - CCE 380.1m)
Interest Coverage Ratio = 0.39 (Ebit TTM 71.6m / Interest Expense TTM 185.4m)
FCF Yield = 4.23% (FCF TTM 26.9m / Enterprise Value 634.9m)
FCF Margin = 6.22% (FCF TTM 26.9m / Revenue TTM 432.2m)
Net Margin = 15.12% (Net Income TTM 65.4m / Revenue TTM 432.2m)
Gross Margin = 65.96% ((Revenue TTM 432.2m - Cost of Revenue TTM 147.1m) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 56.17%)
Tobins Q-Ratio = 0.08 (Enterprise Value 634.9m / Total Assets 7.86b)
Interest Expense / Debt = 17.10% (Interest Expense 44.2m / Debt 258.5m)
Taxrate = 28.80% (6.12m / 21.2m)
NOPAT = 51.0m (EBIT 71.6m * (1 - 28.80%))
Current Ratio = 0.19 (Total Current Assets 1.28b / Total Current Liabilities 6.70b)
Debt / Equity = 0.34 (Debt 258.5m / totalStockholderEquity, last quarter 762.8m)
Debt / EBITDA = 2.65 (Net Debt 258.5m / EBITDA 97.6m)
Debt / FCF = 9.62 (Net Debt 258.5m / FCF TTM 26.9m)
Total Stockholder Equity = 745.8m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.83% (Net Income 65.4m / Total Assets 7.86b)
RoE = 8.77% (Net Income TTM 65.4m / Total Stockholder Equity 745.8m)
RoCE = 8.05% (EBIT 71.6m / Capital Employed (Equity 745.8m + L.T.Debt 143.5m))
RoIC = 4.72% (NOPAT 51.0m / Invested Capital 1.08b)
WACC = 9.66% (E(756.5m)/V(1.01b) * Re(8.80%) + D(258.5m)/V(1.01b) * Rd(17.10%) * (1-Tc(0.29)))
Discount Rate = 8.80% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.33%
[DCF Debug] Terminal Value 69.25% ; FCFE base≈43.1m ; Y1≈31.0m ; Y5≈17.0m
Fair Price DCF = 9.49 (DCF Value 286.0m / Shares Outstanding 30.1m; 5y FCF grow -33.07% → 3.0% )
EPS Correlation: -76.68 | EPS CAGR: -64.33% | SUE: -4.0 | # QB: 0
Revenue Correlation: 88.16 | Revenue CAGR: 12.02% | SUE: 0.74 | # QB: 0

Additional Sources for HAFC Stock

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