Hanmi Financial Corporation (HAFC)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 223 | 235 | 272 | 250 | 233 | 270 | 221 | - |
| Operating profit | $m | 108 | 67 | ||||||
| Net profit | $m | 42 | 99 | 101 | 80 | 62 | 76 | 89 | 96 |
| EPS reported | $ | 2.51 | 2.97 | ||||||
| Operating cashflow per share | $ | 6.90 | 7.24 | ||||||
| Capex per share | $ | 0.08 | 0.11 | ||||||
| FCF per share | $ | 6.82 | 7.13 | ||||||
| Free cash flow | $m | 204 | 211 | ||||||
| Net debt | $m | -813 | -1,097 | ||||||
| Book value equity | $m | 796 | 813 | ||||||
| Book value per share | $ | 26.51 | 27.30 | ||||||
| Number of shares | m | 30.04 | 29.77 | ||||||
| DPS (TTM paid) | $ | 1.08 | 1.11 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 10.77 | 10.81 | ||||||
| P/B LTM | x | 1.01 | 0.99 | ||||||
| P/S LTM | x | 2.99 | 3.65 | ||||||
| P/FCF LTM | x | 3.96 | 3.82 | ||||||
| EV/EBITDA LTM | x | 7.70 | 13.12 | ||||||
| EV/Sales LTM | x | 1.97 | 1.98 | ||||||
| Earnings Yield LTM | % | +9.29% | +9.25% | ||||||
| FCF Yield | % | +25.24% | +26.14% | ||||||
| Quality | |||||||||
| ROE | % | +9.55% | +11.20% | ||||||
| ROIC | % | +6.58% | +4.74% | ||||||
| Operating margin | % | +24.27% | +17.26% | ||||||
| Gross margin | % | +57.46% | +56.36% | ||||||
| FCF/Sales | % | +45.80% | +54.69% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +22.44% | +44.88% | ||||||
| Sales Growth YoY | % | +15.63% | -5.36% | ||||||
| Net Income Growth YoY | % | +22.33% | +43.67% | ||||||
| FCF Growth | % | +296.88% | +311.03% | ||||||
| Operating Profit Growth | % | +21.81% | -24.86% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +4.04% | +3.42% | ||||||
| Dividend Growth | % | +8.00% | +11.00% | ||||||
| Payout Ratio | % | +43.26% | +37.34% | ||||||
| FCF/Debt | x | 0.73 | 1.61 | ||||||
| Net Debt/EBITDA | x | 0.60 | -3.01 | ||||||
| EBIT/Net interest | x | 0.62 | 0.40 | ||||||
| Net debt/market cap | % | +34.76% | +13.54% | ||||||
| Net debt/Equity | x | -1.02 | -1.35 | ||||||
| Gross debt/equity | x | 0.35 | 0.16 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Hanmi Financial Corporation serves as the parent company for Hanmi Bank, which delivers a wide spectrum of commercial banking solutions across the United States. The bank's diverse deposit offerings include checking accounts (both interest-bearing and non-interest-bearing), savings accounts, negotiable order of withdrawal (NOW) accounts, money market accounts, and certificates of deposit. Regarding lending, Hanmi provides various types of credit: Real Estate Loans: Covering commercial properties, construction projects, and residential homes. Commercial and Industrial Loans: Such as commercial term loans and lines of credit. International Finance and Trade Services: Including letters of credit and import/export financing. Consumer Loans: Encompassing general consumer loans, secured and unsecured options, home equity loans, residential mortgages, and credit cards. A significant focus is placed on assisting small and mid-sized businesses with Small Business Administration (SBA) and trade finance lending. These SBA programs support a range of business activities, including the acquisition of owner-occupied commercial real estate, funding for business acquisitions and startups, franchise financing, working capital, property improvements and renovations, inventory and equipment purchases, and debt refinancing. Additionally, equipment lease financing is available. As of February 28, 2022, Hanmi Financial operated a network comprising 35 full-service branches and 8 loan production offices situated across California, Texas, Illinois, Virginia, New Jersey, New York, Colorado, Washington, and Georgia. The institution was established in 1982 and maintains its headquarters in Los Angeles, California.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Hanmi Financial Corporation (HAFC)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Hanmi Financial Corporation serves as the parent company for Hanmi Bank, which delivers a wide spectrum of commercial banking solutions across the United States. The bank's diverse deposit offerings include checking accounts (both interest-bearing and non-interest-bearing), savings accounts, negotiable order of withdrawal (NOW) accounts, money market accounts, and certificates of deposit. Regarding lending, Hanmi provides various types of credit: Real Estate Loans: Covering commercial properties, construction projects, and residential homes. Commercial and Industrial Loans: Such as commercial term loans and lines of credit. International Finance and Trade Services: Including letters of credit and import/export financing. Consumer Loans: Encompassing general consumer loans, secured and unsecured options, home equity loans, residential mortgages, and credit cards. A significant focus is placed on assisting small and mid-sized businesses with Small Business Administration (SBA) and trade finance lending. These SBA programs support a range of business activities, including the acquisition of owner-occupied commercial real estate, funding for business acquisitions and startups, franchise financing, working capital, property improvements and renovations, inventory and equipment purchases, and debt refinancing. Additionally, equipment lease financing is available. As of February 28, 2022, Hanmi Financial operated a network comprising 35 full-service branches and 8 loan production offices situated across California, Texas, Illinois, Virginia, New Jersey, New York, Colorado, Washington, and Georgia. The institution was established in 1982 and maintains its headquarters in Los Angeles, California.
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