Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 10.62 | 9.66 | 10.25 | 8.79 | 9.65 | 8.46 | 12.34 | 9.77 | 10.18 | 9.49 | 8.71 | 7.96 | 7.95 | 6.54 | 5.57 | 6.45 | 6.65 | 6.65 | 6.84 | 9.05 | 5.38 |
| — | +14.2% | -16.9% | -10.0% | -5.2% | -10.9% | +41.7% | +22.7% | +28.1% | +45.0% | +56.3% | +23.5% | +19.5% | -1.6% | -18.6% | -28.7% | +23.6% | +14.1% | +3.4% | -0.9% | -10.8% | |
| P/S Ratio | 4.29 | 2.98 | 14.96 | 3.11 | 2.86 | 2.61 | 2.84 | 2.71 | 2.91 | 2.42 | 2.22 | 2.05 | 2.45 | 1.98 | 1.85 | 2.13 | 2.62 | 2.50 | 2.50 | 3.14 | 3.05 |
| — | +14.4% | +426.2% | +14.7% | -1.9% | +7.5% | +28.0% | +32.0% | +18.8% | +22.4% | +20.3% | -3.8% | -6.2% | -20.8% | -26.0% | -32.1% | -14.4% | +1.9% | +0.2% | +16.2% | +91.9% | |
| P/B Ratio | 1.23 | 1.13 | 1.19 | 0.98 | 1.01 | 0.95 | 0.97 | 0.91 | 0.97 | 0.76 | 0.71 | 0.68 | 0.84 | 0.74 | 0.68 | 0.85 | 1.18 | 1.18 | 1.10 | 1.20 | 1.12 |
| — | +19.1% | +22.1% | +8.0% | +4.8% | +25.1% | +36.5% | +32.9% | +15.8% | +2.3% | +5.0% | -20.1% | -29.3% | -37.3% | -38.5% | -29.1% | +5.9% | +19.4% | +14.4% | +16.4% | +86.4% | |
| P/FCF | 9.45 | 5.95 | — | 8.40 | 3.95 | 1.26 | — | 6.66 | 11.44 | 26.07 | 98.25 | 4.11 | 24.04 | 3.99 | 3.44 | 3.98 | 4.03 | 3.65 | 5.73 | 9.58 | 6.41 |
| — | +371.4% | — | +26.2% | -65.5% | -95.2% | — | +62.1% | -52.4% | +553.5% | +2755.0% | +3.2% | +496.6% | +9.4% | -40.0% | -58.5% | -37.2% | — | +385.2% | -64.4% | +51.5% | |
| EV / EBITDA | 9.37 | 2.19 | — | 7.26 | 7.06 | 5.84 | 6.77 | 5.62 | 7.40 | 7.71 | 6.96 | 5.64 | 5.86 | 4.36 | 2.94 | 4.99 | 5.41 | 4.32 | 4.76 | 4.90 | 2.46 |
| — | -62.6% | — | +29.2% | -4.5% | -24.2% | -2.6% | -0.3% | +26.3% | +76.6% | +136.4% | +13.1% | +8.3% | +1.0% | -38.2% | +1.9% | +120.2% | +411.1% | +333.5% | +145.0% | -0.2% | |
| EV / EBIT | 9.64 | 2.19 | — | 7.55 | 7.27 | 5.70 | 7.30 | 5.98 | 7.87 | 8.30 | 7.50 | 6.06 | 6.73 | 4.64 | 3.12 | 5.27 | 5.77 | 4.41 | 5.24 | 5.91 | 2.68 |
| — | -61.6% | — | +26.3% | -7.6% | -31.4% | -2.7% | -1.3% | +17.0% | +79.0% | +140.8% | +15.0% | +16.5% | +5.1% | -40.5% | -10.9% | +115.6% | +366.6% | +324.1% | +155.0% | -5.3% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 94.7% | 94.1% | 103.2% | 100.0% | 97.3% | 97.0% | 88.3% | 95.7% | 98.4% | 96.0% | 98.3% | 99.6% | 104.8% | 91.7% | 100.1% | 96.8% | 99.9% | 99.2% | 97.7% | 102.3% | 127.1% |
| — | -3.0% | +16.9% | +4.5% | -1.2% | +1.0% | -10.2% | -4.0% | -6.1% | +4.7% | -1.8% | +2.9% | +4.9% | -7.6% | +2.5% | -5.4% | -21.4% | -11.1% | -7.6% | +6.3% | +40.3% | |
| Operating Margin | 40.0% | 42.1% | -105.2% | 34.7% | 42.6% | 44.3% | 32.6% | 40.0% | 41.7% | 36.7% | 36.1% | 37.2% | 45.9% | 43.0% | 47.5% | 47.2% | 52.9% | 53.0% | 51.6% | 49.0% | 73.3% |
| — | -5.1% | -423.0% | -13.2% | +2.3% | +20.9% | -9.7% | +7.5% | -9.3% | -14.7% | -24.0% | -21.3% | -13.2% | -18.9% | -8.0% | -3.7% | -27.8% | -11.1% | -2.8% | +12.7% | +102.2% | |
| Net Margin | 28.2% | 30.9% | 145.8% | 35.7% | 30.0% | 31.1% | 23.2% | 28.1% | 29.1% | 25.8% | 25.5% | 26.0% | 31.1% | 30.3% | 33.6% | 33.2% | 39.5% | 37.7% | 36.6% | 34.8% | 56.7% |
| — | -0.6% | +529.1% | +26.9% | +3.2% | +20.3% | -9.1% | +8.3% | -6.6% | -14.6% | -24.1% | -21.8% | -21.2% | -19.8% | -8.4% | -4.5% | -30.2% | -11.3% | -3.3% | +16.0% | +114.8% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 10.0% | 2.9% | 2.9% | 2.8% | 2.7% | 2.9% | 2.0% | 2.4% | 2.4% | 2.1% | 2.0% | 2.2% | 2.7% | 2.8% | 3.1% | 3.4% | 4.6% | 4.4% | 4.0% | 3.3% | 5.3% |
| — | +2.1% | +45.8% | +18.4% | +11.9% | +38.7% | -2.6% | +10.4% | -11.7% | -26.9% | -33.9% | -36.2% | -40.3% | -36.3% | -23.3% | +3.4% | -13.5% | +1.8% | +8.2% | +13.8% | +110.1% | |
| ROA | 1.0% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.3% | 0.3% | 0.3% | 0.4% | 0.4% | 0.4% | 0.3% | 0.5% |
| — | +5.2% | +53.1% | +25.2% | +17.4% | +44.2% | +1.3% | +14.1% | -7.9% | -23.9% | -31.4% | -32.3% | -36.4% | -33.7% | -23.7% | -2.5% | -19.7% | -3.0% | +7.6% | +15.5% | +110.0% | |
| ROIC | 7.4% | 2.6% | -1.4% | 1.6% | 2.2% | 2.4% | 1.6% | 1.8% | 1.7% | 1.4% | 1.4% | 1.5% | 2.0% | 2.1% | 2.1% | 2.1% | 2.9% | 3.3% | 3.0% | 2.3% | 3.3% |
| — | +11.7% | -186.0% | -7.6% | +33.1% | +71.6% | +9.8% | +17.7% | -15.1% | -35.3% | -32.2% | -27.5% | -33.3% | -35.6% | -29.3% | -11.2% | -11.0% | +9.2% | +10.9% | +9.4% | +86.8% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.35 | 0.09 | 0.16 | 0.16 | 0.35 | 0.25 | 0.34 | 0.33 | 0.54 | 0.58 | 0.60 | 0.43 | 0.65 | 0.44 | 0.38 | 0.72 | 0.75 | 0.38 | 0.44 | 0.41 | 0.55 |
| — | -61.9% | -52.5% | -50.8% | -34.4% | -57.7% | -43.3% | -23.2% | -17.2% | +32.6% | +57.0% | -40.6% | -13.8% | +17.1% | -14.1% | +77.2% | +37.3% | -33.8% | -0.7% | -11.6% | +17.5% | |
| Debt / EBITDA | 2.47 | 1.04 | — | 5.73 | 9.05 | 6.29 | 11.29 | 9.30 | 14.59 | 18.92 | 19.18 | 12.98 | 14.41 | 10.31 | 8.25 | 14.53 | 11.77 | 5.88 | 7.06 | 7.22 | 7.50 |
| — | -83.5% | — | -38.4% | -38.0% | -66.8% | -41.1% | -28.4% | +1.3% | +83.6% | +132.5% | -10.7% | +22.4% | +75.4% | +16.9% | +101.3% | +57.0% | -30.5% | -8.6% | -24.9% | -36.9% | |
| Current Ratio | 0.16 | 0.18 | 0.20 | 0.06 | 0.16 | 0.17 | 0.19 | 0.14 | 0.19 | 0.26 | 0.27 | 0.26 | 0.19 | 0.27 | 0.29 | 0.30 | 0.30 | 0.29 | 0.29 | 0.31 | 0.36 |
| — | +7.0% | +5.3% | -54.8% | -14.7% | -35.8% | -27.7% | -47.1% | +2.3% | -3.3% | -8.7% | -12.5% | -37.0% | -6.1% | +1.5% | -2.8% | -17.7% | -26.7% | -21.4% | -10.3% | +13.8% | |
| Quick Ratio | 0.16 | 0.18 | 0.20 | 0.06 | 0.16 | 0.17 | 0.19 | 0.14 | 0.19 | 0.26 | 0.27 | 0.26 | 0.19 | 0.27 | 0.29 | 0.30 | 0.30 | 0.29 | 0.29 | 0.31 | 0.36 |
| — | +7.0% | +5.3% | -54.8% | -14.7% | -35.8% | -27.7% | -47.1% | +2.3% | -3.3% | -8.7% | -12.5% | -37.0% | -6.1% | +1.5% | -2.8% | -17.7% | -26.7% | -21.4% | -10.3% | +13.8% | |
| Interest Coverage | 0.62 | 1.78 | -0.43 | 0.56 | 0.71 | 0.71 | 0.48 | 0.57 | 0.54 | 0.42 | 0.41 | 0.44 | 0.62 | 0.68 | 0.82 | 1.06 | 2.16 | 4.56 | 8.45 | 4.90 | 8.43 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying HAFC stock.
Hanmi Financial Corporation's current P/E is 10.6x. The average P/E over the last 4 quarters is 9.6x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Hanmi Financial Corporation's current operating margin is 40.0%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Hanmi Financial Corporation's business trajectory between earnings reports.