(HAFC) Hanmi Financial - Ratings and Ratios
Exchange: NASDAQ •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US4104952043
Deposits, Real Estate Loans, Commercial Loans, SBA Loans, Trade Finance
Dividends
| Dividend Yield | 3.84% |
| Yield on Cost 5y | 12.33% |
| Yield CAGR 5y | 17.76% |
| Payout Consistency | 70.5% |
| Payout Ratio | 45.2% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 34.9% |
| Value at Risk 5%th | 50.5% |
| Relative Tail Risk | -12.15% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.44 |
| Alpha | 1.98 |
| CAGR/Max DD | 0.22 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.529 |
| Beta | 0.803 |
| Beta Downside | 0.975 |
| Drawdowns 3y | |
|---|---|
| Max DD | 44.41% |
| Mean DD | 19.25% |
| Median DD | 17.86% |
Description: HAFC Hanmi Financial December 01, 2025
Hanmi Financial Corporation (NASDAQ:HAFC) is the holding company for Hanmi Bank, a Los Angeles-based community bank that offers a full suite of deposit products (checking, savings, money-market, CDs) and a range of lending services, including commercial-real-estate, construction, residential, C&I term loans, lines of credit, equipment leases, and SBA loans for acquisitions, start-ups, franchise financing, working-capital, and debt-refinancing. The bank also provides international trade finance such as letters of credit and import/export funding.
As of the most recent quarter (Q3 2024), HAFC reported total assets of roughly $5.2 billion and a loan-to-deposit ratio of about 78 %, indicating a balanced funding profile. Its net interest margin held steady near 3.2 % despite a volatile interest-rate environment, while loan growth year-over-year was approximately 5 %, driven largely by SBA and commercial-real-estate lending. Key macro drivers for the regional-bank segment include Federal Reserve policy (which influences both loan demand and net interest margin) and ongoing consolidation pressure that favors banks with diversified loan portfolios and strong capital positions.
For a deeper quantitative breakdown of HAFC’s valuation metrics, you might find ValueRay’s platform useful.
Piotroski VR‑10 (Strict, 0-10) 5.5
| Net Income (72.5m TTM) > 0 and > 6% of Revenue (6% = 26.3m TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA 1.59pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1301 % (prev -1155 %; Δ -145.2pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 170.1m > Net Income 72.5m (YES >=105%, WARN >=100%) |
| Net Debt (-22.8m) to EBITDA (107.2m) ratio: -0.21 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.17 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (30.0m) change vs 12m ago -0.26% (target <= -2.0% for YES) |
| Gross Margin 56.12% (prev 54.45%; Δ 1.67pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 5.64% (prev 5.52%; Δ 0.12pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.58 (EBITDA TTM 107.2m / Interest Expense TTM 179.2m) >= 6 (WARN >= 3) |
Altman Z'' -4.47
| (A) -0.73 = (Total Current Assets 1.15b - Total Current Liabilities 6.86b) / Total Assets 7.86b |
| (B) 0.05 = Retained Earnings (Balance) 381.2m / Total Assets 7.86b |
| (C) 0.01 = EBIT TTM 103.1m / Avg Total Assets 7.78b |
| (D) 0.05 = Book Value of Equity 333.3m / Total Liabilities 7.08b |
| Total Rating: -4.47 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 62.88
| 1. Piotroski 5.50pt |
| 2. FCF Yield data missing |
| 3. FCF Margin 38.24% |
| 4. Debt/Equity 0.25 |
| 5. Debt/Ebitda -0.21 |
| 6. ROIC - WACC (= -3.26)% |
| 7. RoE 9.59% |
| 8. Rev. Trend 89.98% |
| 9. EPS Trend -71.20% |
What is the price of HAFC shares?
As of December 07, 2025, the stock is trading at USD 28.11 with a total of 178,671 shares traded.
Over the past week, the price has changed by +1.77%, over one month by +5.12%, over three months by +13.86% and over the past year by +15.38%.
Over the past week, the price has changed by +1.77%, over one month by +5.12%, over three months by +13.86% and over the past year by +15.38%.
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 | 30.6 | 9% |
| Analysts Target Price | 30.6 | 9% |
| ValueRay Target Price | 30.9 | 10% |
HAFC Fundamental Data Overview December 05, 2025
Market Cap USD = 847.7m (847.7m USD * 1.0 USD.USD)
P/E Trailing = 11.725
P/E Forward = 8.6207
P/S = 3.4412
P/B = 1.0844
P/EG = 2.14
Beta = 0.737
Revenue TTM = 439.0m USD
EBIT TTM = 103.1m USD
EBITDA TTM = 107.2m USD
Long Term Debt = 130.3m USD (from longTermDebt, last quarter)
Short Term Debt = 62.5m USD (from shortTermDebt, last quarter)
Debt = 192.8m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -22.8m USD (from netDebt column, last quarter)
Enterprise Value = -52.4m USD (847.7m + Debt 192.8m - CCE 1.09b)
Interest Coverage Ratio = 0.58 (Ebit TTM 103.1m / Interest Expense TTM 179.2m)
FCF Yield = -320.2% (FCF TTM 167.9m / Enterprise Value -52.4m)
FCF Margin = 38.24% (FCF TTM 167.9m / Revenue TTM 439.0m)
Net Margin = 16.53% (Net Income TTM 72.5m / Revenue TTM 439.0m)
Gross Margin = 56.12% ((Revenue TTM 439.0m - Cost of Revenue TTM 192.6m) / Revenue TTM)
Gross Margin QoQ = 59.78% (prev 52.63%)
Tobins Q-Ratio = -0.01 (set to none) (Enterprise Value -52.4m / Total Assets 7.86b)
Interest Expense / Debt = 22.90% (Interest Expense 44.1m / Debt 192.8m)
Taxrate = 29.87% (9.40m / 31.5m)
NOPAT = 72.3m (EBIT 103.1m * (1 - 29.87%))
Current Ratio = 0.17 (Total Current Assets 1.15b / Total Current Liabilities 6.86b)
Debt / Equity = 0.25 (Debt 192.8m / totalStockholderEquity, last quarter 779.5m)
Debt / EBITDA = -0.21 (Net Debt -22.8m / EBITDA 107.2m)
Debt / FCF = -0.14 (Net Debt -22.8m / FCF TTM 167.9m)
Total Stockholder Equity = 756.5m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.92% (Net Income 72.5m / Total Assets 7.86b)
RoE = 9.59% (Net Income TTM 72.5m / Total Stockholder Equity 756.5m)
RoCE = 11.63% (EBIT 103.1m / Capital Employed (Equity 756.5m + L.T.Debt 130.3m))
RoIC = 7.02% (NOPAT 72.3m / Invested Capital 1.03b)
WACC = 10.28% (E(847.7m)/V(1.04b) * Re(8.97%) + D(192.8m)/V(1.04b) * Rd(22.90%) * (1-Tc(0.30)))
Discount Rate = 8.97% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -0.49%
[DCF Debug] Terminal Value 68.55% ; FCFE base≈117.5m ; Y1≈84.5m ; Y5≈46.4m
Fair Price DCF = 25.36 (DCF Value 759.6m / Shares Outstanding 30.0m; 5y FCF grow -33.07% → 3.0% )
EPS Correlation: -71.20 | EPS CAGR: -10.14% | SUE: 1.70 | # QB: 1
Revenue Correlation: 89.98 | Revenue CAGR: 16.99% | SUE: 0.80 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.70 | Chg30d=+0.055 | Revisions Net=+4 | Analysts=4
EPS next Year (2026-12-31): EPS=3.00 | Chg30d=+0.208 | Revisions Net=+4 | Growth EPS=+19.1% | Growth Revenue=+11.1%
P/E Trailing = 11.725
P/E Forward = 8.6207
P/S = 3.4412
P/B = 1.0844
P/EG = 2.14
Beta = 0.737
Revenue TTM = 439.0m USD
EBIT TTM = 103.1m USD
EBITDA TTM = 107.2m USD
Long Term Debt = 130.3m USD (from longTermDebt, last quarter)
Short Term Debt = 62.5m USD (from shortTermDebt, last quarter)
Debt = 192.8m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -22.8m USD (from netDebt column, last quarter)
Enterprise Value = -52.4m USD (847.7m + Debt 192.8m - CCE 1.09b)
Interest Coverage Ratio = 0.58 (Ebit TTM 103.1m / Interest Expense TTM 179.2m)
FCF Yield = -320.2% (FCF TTM 167.9m / Enterprise Value -52.4m)
FCF Margin = 38.24% (FCF TTM 167.9m / Revenue TTM 439.0m)
Net Margin = 16.53% (Net Income TTM 72.5m / Revenue TTM 439.0m)
Gross Margin = 56.12% ((Revenue TTM 439.0m - Cost of Revenue TTM 192.6m) / Revenue TTM)
Gross Margin QoQ = 59.78% (prev 52.63%)
Tobins Q-Ratio = -0.01 (set to none) (Enterprise Value -52.4m / Total Assets 7.86b)
Interest Expense / Debt = 22.90% (Interest Expense 44.1m / Debt 192.8m)
Taxrate = 29.87% (9.40m / 31.5m)
NOPAT = 72.3m (EBIT 103.1m * (1 - 29.87%))
Current Ratio = 0.17 (Total Current Assets 1.15b / Total Current Liabilities 6.86b)
Debt / Equity = 0.25 (Debt 192.8m / totalStockholderEquity, last quarter 779.5m)
Debt / EBITDA = -0.21 (Net Debt -22.8m / EBITDA 107.2m)
Debt / FCF = -0.14 (Net Debt -22.8m / FCF TTM 167.9m)
Total Stockholder Equity = 756.5m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.92% (Net Income 72.5m / Total Assets 7.86b)
RoE = 9.59% (Net Income TTM 72.5m / Total Stockholder Equity 756.5m)
RoCE = 11.63% (EBIT 103.1m / Capital Employed (Equity 756.5m + L.T.Debt 130.3m))
RoIC = 7.02% (NOPAT 72.3m / Invested Capital 1.03b)
WACC = 10.28% (E(847.7m)/V(1.04b) * Re(8.97%) + D(192.8m)/V(1.04b) * Rd(22.90%) * (1-Tc(0.30)))
Discount Rate = 8.97% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -0.49%
[DCF Debug] Terminal Value 68.55% ; FCFE base≈117.5m ; Y1≈84.5m ; Y5≈46.4m
Fair Price DCF = 25.36 (DCF Value 759.6m / Shares Outstanding 30.0m; 5y FCF grow -33.07% → 3.0% )
EPS Correlation: -71.20 | EPS CAGR: -10.14% | SUE: 1.70 | # QB: 1
Revenue Correlation: 89.98 | Revenue CAGR: 16.99% | SUE: 0.80 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.70 | Chg30d=+0.055 | Revisions Net=+4 | Analysts=4
EPS next Year (2026-12-31): EPS=3.00 | Chg30d=+0.208 | Revisions Net=+4 | Growth EPS=+19.1% | Growth Revenue=+11.1%
Additional Sources for HAFC Stock
News:
Wall Street Journal |
Benzinga |
Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle