Hanmi Financial Corporation (HAFC) Financial Ratios
27 years of historical data (1999–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
8.81
↑+42% vs avg
5yr avg: 6.21
30Y Low1.7·High12.6
P/FCF
↓
4.58
↓-37% vs avg
5yr avg: 7.31
30Y Low0.5·High28.7
P/B Ratio
↓
1.18
+15% vs avg
5yr avg: 1.03
30Y Low0.4·High2.3
ROE
↓
10.0%
↑-20% vs avg
5yr avg: 12.5%
30Y Low-59%·High27%
Debt/EBITDA
↑
2.47
↓-22% vs avg
5yr avg: 3.16
30Y Low0.3·High5.5
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
HAFC Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Hanmi Financial Corporation trades at 12.4x earnings, 40% above its 5-year average of 8.9x, sitting at the 48th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a discount of 8%. On a free-cash-flow basis, the stock trades at 4.6x P/FCF, 37% below the 5-year average of 7.3x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $933M | $812M | $711M | $588M | $752M | $722M | $343M | $615M | $631M | $979M | $1.1B |
| Enterprise Value | $1.0B | $880M | $799M | $741M | $879M | $465M | $220M | $702M | $649M | $1.1B | $1.3B |
| P/E Ratio → | 12.43 | 10.77 | 11.52 | 7.40 | 7.45 | 7.35 | 8.22 | 18.87 | 11.01 | 17.96 | 19.94 |
| P/S Ratio | 2.10 | 1.83 | 1.66 | 1.48 | 2.44 | 2.81 | 1.29 | 2.25 | 2.44 | 4.03 | 5.29 |
| P/B Ratio | 1.18 | 1.02 | 0.97 | 0.84 | 1.18 | 1.12 | 0.60 | 1.09 | 1.14 | 1.74 | 2.11 |
| P/FCF | 4.58 | 3.99 | 13.85 | 5.58 | 5.17 | 7.93 | 6.15 | 10.75 | 8.66 | 12.11 | 19.08 |
| P/OCF | 4.53 | 3.94 | 13.18 | 5.46 | 5.11 | 7.70 | 5.70 | 10.46 | 8.24 | 11.99 | 18.85 |
P/E links to full P/E history page with 30-year chart
HAFC EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Hanmi Financial Corporation's enterprise value stands at 8.8x EBITDA, 42% above its 5-year average of 6.2x. The Financial Services sector median is 11.4x, placing the stock at a 23% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.98 | 1.86 | 1.86 | 2.85 | 1.81 | 0.83 | 2.57 | 2.51 | 4.50 | 6.17 |
| EV / EBITDA | 8.81 | 7.74 | 8.41 | 6.11 | 5.74 | 3.07 | 3.13 | 12.34 | 6.82 | 10.10 | 12.55 |
| EV / EBIT | 9.27 | 8.15 | 9.02 | 6.47 | 6.25 | 3.43 | 3.71 | 14.82 | 7.73 | 11.46 | 14.60 |
| EV / FCF | — | 4.32 | 15.57 | 7.03 | 6.05 | 5.11 | 3.95 | 12.27 | 8.90 | 13.52 | 22.27 |
HAFC Profitability
Margins and return-on-capital ratios measuring operating efficiency
Hanmi Financial Corporation earns an operating margin of 24.3%, above the Financial Services sector average of 20.3%. Operating margins have compressed from 28.8% to 24.3% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 10.0% is modest. ROIC of 7.4% represents adequate returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 57.5% | 57.5% | 53.3% | 61.7% | 88.0% | 101.1% | 66.7% | 63.0% | 77.8% | 86.3% | 93.4% |
| Operating Margin | 24.3% | 24.3% | 20.6% | 28.8% | 45.7% | 52.8% | 22.4% | 17.3% | 32.4% | 39.3% | 42.3% |
| Net Profit Margin | 17.1% | 17.1% | 14.5% | 20.1% | 32.9% | 38.4% | 15.9% | 12.0% | 22.4% | 22.5% | 26.7% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 10.0% | 10.0% | 8.7% | 12.0% | 15.8% | 16.2% | 7.4% | 5.9% | 10.4% | 10.0% | 11.0% |
| ROA | 1.0% | 1.0% | 0.8% | 1.1% | 1.4% | 1.5% | 0.7% | 0.6% | 1.1% | 1.1% | 1.3% |
| ROIC | 7.4% | 7.4% | 5.8% | 7.6% | 10.0% | 11.0% | 5.5% | 4.7% | 8.1% | 8.4% | 8.7% |
| ROCE | 2.5% | 2.5% | 8.9% | 12.6% | 16.0% | 15.1% | 7.4% | 6.6% | 12.4% | 15.5% | 14.4% |
HAFC Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Hanmi Financial Corporation carries a Debt/EBITDA ratio of 2.5x, which is manageable (42% below the sector average of 4.3x). Net debt stands at $68M ($280M total debt minus $213M cash). Interest coverage of just 0.6x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.35 | 0.35 | 0.54 | 0.65 | 0.75 | 0.55 | 0.47 | 0.37 | 0.31 | 0.48 | 0.63 |
| Debt / EBITDA | 2.47 | 2.47 | 4.14 | 3.75 | 3.13 | 2.33 | 3.82 | 3.66 | 1.82 | 2.47 | 3.21 |
| Net Debt / Equity | — | 0.08 | 0.12 | 0.22 | 0.20 | -0.40 | -0.21 | 0.15 | 0.03 | 0.20 | 0.35 |
| Net Debt / EBITDA | 0.60 | 0.60 | 0.93 | 1.26 | 0.83 | -1.69 | -1.74 | 1.52 | 0.18 | 1.05 | 1.80 |
| Debt / FCF | — | 0.33 | 1.72 | 1.45 | 0.87 | -2.82 | -2.20 | 1.52 | 0.24 | 1.40 | 3.19 |
| Interest Coverage | 0.62 | 0.62 | 0.45 | 0.77 | 3.89 | 6.27 | 1.38 | 0.67 | 1.57 | 2.93 | 4.89 |
HAFC Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
Hanmi Financial Corporation's current ratio of 49.21x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 0.19x to 49.21x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 49.21 | 49.21 | 0.19 | 0.19 | 0.30 | 0.36 | 0.32 | 0.28 | 0.16 | 0.17 | 0.17 |
| Quick Ratio | 49.21 | 49.21 | 0.19 | 0.19 | 0.30 | 0.36 | 0.32 | 0.28 | 0.16 | 0.17 | 0.17 |
| Cash Ratio | 1.38 | 1.38 | 0.05 | 0.05 | 0.05 | 0.10 | 0.07 | 0.03 | 0.03 | 0.03 | 0.04 |
| Asset Turnover | — | 0.06 | 0.06 | 0.05 | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
HAFC Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Hanmi Financial Corporation returns 4.5% to shareholders annually — split between a 3.5% dividend yield and 1.0% buyback yield. A payout ratio of 42.9% is moderate and appears sustainable, balancing shareholder returns with reinvestment capacity. The earnings yield of 8.0% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 3.5% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 42.9% | 42.9% | 48.8% | 38.1% | 28.2% | 16.7% | 37.8% | 90.8% | 53.4% | 47.2% | 45.4% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 8.0% | 9.3% | 8.7% | 13.5% | 13.4% | 13.6% | 12.2% | 5.3% | 9.1% | 5.6% | 5.0% |
| FCF Yield | 21.8% | 25.1% | 7.2% | 17.9% | 19.3% | 12.6% | 16.3% | 9.3% | 11.6% | 8.3% | 5.2% |
| Buyback Yield | 1.0% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 4.5% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $30M | $30M | $30M | $30M | $30M | $30M | $31M | $32M | $32M | $32M |
Peer Comparison
Compare HAFC with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 HAFCYou | $933M | 12.4 | 8.8 | 4.6 | 57.5% | 24.3% | 10.0% | 7.4% | 2.5 |
 HOPE | $2B | 27.9 | 17.7 | 10.8 | 48.6% | 8.3% | 2.6% | 2.3% | 4.7 |
 PFBC | $1B | 9.5 | 4.1 | 7.2 | 55.0% | 38.0% | 17.2% | 13.5% | 2.0 |
 RBB | $435M | 13.9 | 14.8 | 10.2 | 49.9% | 17.7% | 6.2% | 3.7% | 6.5 |
 BCAL | $635M | 10.2 | 7.4 | 11.1 | 79.4% | 37.8% | 11.6% | 10.6% | 0.8 |
 BANC | $3B | 17.0 | 9.6 | 13.2 | 58.7% | 18.0% | 6.5% | 3.9% | 7.6 |
 CVBF | $3B | 13.7 | 13.2 | 13.0 | 79.9% | 43.8% | 9.3% | 6.8% | 3.5 |
 WAFD | $3B | 13.9 | 13.3 | 13.5 | 50.9% | 20.5% | 7.5% | 3.9% | 6.1 |
 HTBK | $828M | 17.2 | 11.9 | 13.6 | 72.6% | 25.4% | 6.8% | 6.9% | 0.6 |
 SMBC | $805M | 14.0 | 9.0 | 10.7 | 57.7% | 24.2% | 11.3% | 8.5% | 1.7 |
 FHN | $12B | 13.2 | 11.9 | 12.9 | 67.3% | 25.7% | 10.8% | 7.0% | 3.4 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 27 years · Updated daily
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HAFC — Frequently Asked Questions
Quick answers to the most common questions about buying HAFC stock.
What is Hanmi Financial Corporation's P/E ratio?
Hanmi Financial Corporation's current P/E ratio is 12.4x. The historical average is 12.7x. This places it at the 48th percentile of its historical range.
What is Hanmi Financial Corporation's EV/EBITDA?
Hanmi Financial Corporation's current EV/EBITDA is 8.8x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 7.5x.
What is Hanmi Financial Corporation's ROE?
Hanmi Financial Corporation's return on equity (ROE) is 10.0%. The historical average is 5.4%.
Is HAFC stock overvalued?
Based on historical data, Hanmi Financial Corporation is trading at a P/E of 12.4x. This is at the 48th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Hanmi Financial Corporation's dividend yield?
Hanmi Financial Corporation's current dividend yield is 3.48% with a payout ratio of 42.9%.
What are Hanmi Financial Corporation's profit margins?
Hanmi Financial Corporation has 57.5% gross margin and 24.3% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Hanmi Financial Corporation have?
Hanmi Financial Corporation's Debt/EBITDA ratio is 2.5x, indicating moderate leverage. A ratio between 2-4x is manageable but warrants monitoring.