HAFC Stock Financial Analysis - Hanmi Financial Corporation (NasdaqGS) Stock

Overview

Hanmi Financial Corporation, based in the United States, operates as the holding company for Hanmi Bank, primarily serving the Korean-American community. Located in Los Angeles, California, it functions within the banking sector, providing a range of financial products and services. These include commercial loans, trade finance, and treasury management for small to medium-sized businesses, alongside offerings in personal banking and other financial services. A key focus for Hanmi is its strategic growth in the competitive regional banking landscape through mergers and acquisitions, alongside enhancing its digital banking platform to improve customer accessibility and operational efficiency. These initiatives are integral to its objective of expanding its market share and customer base in diverse communities across the U.S.

Quality, Value, Momentum Scores

This card shows the Quality, Value, and Momentum scores for the company

Quality

The QualityScore is a proprietary scoring model that identifies high quality companies, based on cash generating efficiencies.

Value

Proprietary scoring model that ranks companies based on their relative valuation. Scores range from 0 to 100, with 100 being the most undervalued.

Momentum

Proprietary scoring model that ranks companies on their six-month momentum.

Fund Sentiment

The Fund Sentiment (fka Ownership) score is a proprietary quantitative model that ranks companies based on levels of ownership accumulation.

QVM

The QVM Score is a proprietary scoring model that combines Quality, Value, and Momentum into a single metric that ranks companies from 0 to 100.

Income Statement: Revenue, Operating Income, Net Income

The revenue for Hanmi Financial Corporation as of June 30, 2025 is 233.74 MM.
The operating income for Hanmi Financial Corporation as of June 30, 2025 is 92.79 MM.
The net income for Hanmi Financial Corporation as of June 30, 2025 is 65.38 MM.

Period End (TTM)	Revenue (MM)	Operating Income (MM)	Net Income (MM)
2025-06-30	233.74	92.79	65.38
2025-03-31	231.88	92.00	64.71
2024-12-31	229.94	88.61	62.20
2024-09-30	232.77	90.76	63.14
2024-06-30	237.49	96.32	67.04
2024-03-31	243.27	103.09	73.21
2023-12-31	249.16	112.64	80.04
2023-09-30	258.44	123.28	89.89
2023-06-30	268.95	134.76	98.26
2023-03-31	274.22	142.83	102.69
2022-12-31	271.01	140.73	101.39
2022-09-30	273.79	145.71	106.25
2022-06-30	272.07	144.77	105.64
2022-03-31	267.02	140.41	102.71
2021-12-31	259.62	135.17	98.68
2021-09-30	234.48	110.94	79.67
2021-06-30	217.47	96.51	69.45
2021-03-31	196.54	79.22	56.51
2020-12-31	177.55	58.70	42.20
2020-09-30	167.84	47.35	30.95

Income Statement: EPS

The earnings per share basic for Hanmi Financial Corporation as of June 30, 2025 is 2.16.
The earnings per share diluted for Hanmi Financial Corporation as of June 30, 2025 is 2.16.

Period End (TTM)	Earnings Per Share Basic	Earnings Per Share Diluted
2025-06-30	2.16	2.16
2025-03-31	2.14	2.13
2024-12-31	2.06	2.05
2024-09-30	2.08	2.08
2024-06-30	2.21	2.20
2024-03-31	2.41	2.40
2023-12-31	2.63	2.62
2023-09-30	2.95	2.94
2023-06-30	3.22	3.21
2023-03-31	3.37	3.36
2022-12-31	3.33	3.32
2022-09-30	3.49	3.48
2022-06-30	3.47	3.46
2022-03-31	3.36	3.36
2021-12-31	3.22	3.22
2021-09-30	2.60	2.60
2021-06-30	2.27	2.27
2021-03-31	1.85	1.84
2020-12-31	1.38	1.38
2020-09-30	1.01	1.01

Cash Flow: Operations, Investing, Financing

The cash from operating activities for Hanmi Financial Corporation as of June 30, 2025 is 28.76 MM.
The cash from investing activities for Hanmi Financial Corporation as of June 30, 2025 is -159.89 MM.
The cash from financing activities for Hanmi Financial Corporation as of June 30, 2025 is 198.10 MM.

Period End (TTM)	Cash From Operating Activities (MM)	Cash From Investing Activities (MM)	Cash From Financing Activities (MM)
2025-06-30	28.76	-159.89	198.10
2025-03-31	49.81	-128.47	151.63
2024-12-31	53.95	-107.47	56.00
2024-09-30	45.80	-290.21	243.17
2024-06-30	69.70	-244.16	142.62
2024-03-31	101.65	-192.08	-39.73
2023-12-31	107.80	-209.99	52.10
2023-09-30	146.53	-219.17	86.49
2023-06-30	166.75	-323.00	283.92
2023-03-31	163.30	-702.02	612.42
2022-12-31	147.31	-881.51	477.65
2022-09-30	128.65	-996.73	318.89
2022-06-30	13.74	-817.41	323.11
2022-03-31	107.26	-671.21	230.00
2021-12-31	93.73	-447.04	570.43
2021-09-30	85.39	-219.18	598.38
2021-06-30	166.94	-320.35	305.14
2021-03-31	42.54	-451.55	764.90
2020-12-31	60.20	-407.59	617.55
2020-09-30	43.38	-382.56	548.26

Valuation Metrics : PE, PriceToBook, PriceToTBV

The p/book for Hanmi Financial Corporation as of June 30, 2025 is 0.98.
The p/tbv for Hanmi Financial Corporation as of June 30, 2025 is 1.00.

P/Book: The current closing price divided by the book value per share.

P/TBV: The current price divided by the tangible book value per share.

Period End (TTM)	p/e	P/Book	P/TBV
2025-06-30		0.98	1.00
2025-03-31		0.92
2024-12-31		0.96	0.99
2024-09-30	8.27	0.78	0.82
2024-06-30	6.57	0.68	0.71
2024-03-31		0.68	0.71
2023-12-31	6.53	0.88	0.93
2023-09-30	5.01	0.74	0.77
2023-06-30	4.52	0.70	0.73
2023-03-31	5.59	0.89
2022-12-31		1.23	1.29
2022-09-30		1.16	1.22
2022-06-30		1.09	1.15
2022-03-31	7.52	1.15	1.19
2021-12-31	8.95	1.15	1.21
2021-09-30	8.80	1.01	1.06
2021-06-30
2021-03-31	12.03	1.17	1.20
2020-12-31	16.13	1.18	1.22
2020-09-30	21.95	1.21	1.25

Valuation Metrics : EBitToEv, EBit3YrAvgToEv

The ebit/ev for Hanmi Financial Corporation as of June 30, 2025 is 0.12.
The ebit (3y)/ev for Hanmi Financial Corporation as of June 30, 2025 is 0.14.

Period End (TTM)	EBIT/EV	EBIT (3y)/EV
2025-06-30	0.12	0.14
2025-03-31	0.09	0.11
2024-12-31	0.09	0.11
2024-09-30	0.11	0.14
2024-06-30	0.16	0.20
2024-03-31	0.13	0.15
2023-12-31	0.18	0.19
2023-09-30	0.30	0.28
2023-06-30	0.17	0.15
2023-03-31	0.14	0.12
2022-12-31	0.19	0.13
2022-09-30	0.17	0.12
2022-06-30	0.21	0.14
2022-03-31	0.28	0.17
2021-12-31	0.38	0.25
2021-09-30	0.42	0.29
2021-06-30
2021-03-31	0.23	0.18
2020-12-31	0.10	0.10
2020-09-30	0.06	0.09

Management Effectiveness

The roa for Hanmi Financial Corporation as of June 30, 2025 is 0.01.
The roe for Hanmi Financial Corporation as of June 30, 2025 is 0.09.
The roic for Hanmi Financial Corporation as of June 30, 2025 is 0.06.
The croic for Hanmi Financial Corporation as of June 30, 2025 is 0.06.
The ocroic for Hanmi Financial Corporation as of June 30, 2025 is 0.04.

Period End (TTM)	ROA	ROE	ROIC	CROIC	OCROIC
2025-06-30	0.01	0.09	0.06	0.06	0.04
2025-03-31	0.01	0.09	0.04	0.00	0.04
2024-12-31	0.01	0.09	0.04	-0.00	0.03
2024-09-30	0.01	0.10	0.05	-0.02	0.05
2024-06-30	0.01	0.11	0.06	-0.11	0.09
2024-03-31	0.01	0.13	0.05	-0.03	0.07
2023-12-31	0.01	0.15	0.08	0.01	0.13
2023-09-30	0.01	0.16	0.10	0.12	0.16
2023-06-30	0.01	0.17	0.07	0.09	0.11
2023-03-31	0.02	0.16	0.07	0.05	0.11
2022-12-31	0.02	0.17	0.11	-0.58	0.14
2022-09-30	0.02	0.17	0.11	-0.55	0.13
2022-06-30	0.02	0.17	0.11	-0.49	0.01
2022-03-31	0.02	0.17	0.10	-0.33	0.10
2021-12-31	0.01	0.14	0.09	0.20	0.08
2021-09-30	0.01	0.12	0.08	0.47	0.17
2021-06-30	0.01	0.13	0.08	0.16	0.18
2021-03-31	0.01	0.10	0.06	0.37	0.04
2020-12-31	0.01	0.07	0.04	0.28	0.06
2020-09-30	0.01	0.05	0.03	0.20	0.04

Gross Margins

The gross margin for Hanmi Financial Corporation as of June 30, 2025 is 1.00.
The net margin for Hanmi Financial Corporation as of June 30, 2025 is 0.28.
The operating margin for Hanmi Financial Corporation as of June 30, 2025 is 0.40.

Gross Margin: The Gross Margin is the ratio of revenue left after substracting the Cost of Goods Sold. It is calculated as 1.0 - (Revenue - COGS ) / Revenue.

Net Margin: The Net Margin (aka Profit Margin) is the ratio of revenue left after substracting the Net Income. It is calculated as Net Income / Revenue.

Operating Margin: The Operaing Margin is the ratio of revenue left after substracting the Operating Income. It is calculated as Operating Income / Revenue.

Period End (TTM)	Gross Margin	Net Margin	Operating Margin
2025-06-30	1.00	0.28	0.40
2025-03-31	1.00	0.27	0.39
2024-12-31	1.00	0.27	0.38
2024-09-30	1.00	0.28	0.40
2024-06-30	1.00	0.30	0.42
2024-03-31	1.00	0.32	0.45
2023-12-31	1.00	0.35	0.48
2023-09-30	1.00	0.36	0.50
2023-06-30	1.00	0.36	0.50
2023-03-31	1.00	0.37	0.52
2022-12-31	1.00	0.39	0.53
2022-09-30	1.00	0.39	0.53
2022-06-30	1.00	0.39	0.53
2022-03-31	1.00	0.38	0.53
2021-12-31	1.00	0.38	0.52
2021-09-30	1.00	0.34	0.47
2021-06-30	1.00	0.32	0.44
2021-03-31	1.00	0.29	0.40
2020-12-31	1.00	0.24	0.33
2020-09-30	1.00	0.18	0.28