Hanmi Financial Corporation (HAFC)vsPNC Financial Services Group Inc (PNC)
HAFC
Hanmi Financial Corporation
$26.12
-0.31%
FINANCIAL SERVICES · Cap: $759.07M
PNC
PNC Financial Services Group Inc
$205.95
-0.19%
FINANCIAL SERVICES · Cap: $83.43B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 8628% more annual revenue ($22.32B vs $255.73M). PNC leads profitability with a 31.1% profit margin vs 29.7%. HAFC appears more attractively valued with a PEG of 1.39. HAFC earns a higher WallStSmart Score of 76/100 (B+).
HAFC
Strong Buy76
out of 100
Grade: B+
PNC
Strong Buy73
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+72.6%
Fair Value
$98.19
Current Price
$26.12
$72.07 discount
Margin of Safety
+73.5%
Fair Value
$776.41
Current Price
$205.95
$570.46 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 43.5%
Keeps 30 of every $100 in revenue as profit
15.7% revenue growth
Earnings expanding 20.2% YoY
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 39.3%
Large-cap with strong market position
Attractively priced relative to earnings
Earnings expanding 29.1% YoY
Areas to Watch
Smaller company, higher risk/reward
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : HAFC
The strongest argument for HAFC centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.7% and operating margin at 43.5%. Revenue growth of 15.7% demonstrates continued momentum.
Bull Case : PNC
The strongest argument for PNC centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 31.1% and operating margin at 39.3%.
Bear Case : HAFC
The primary concerns for HAFC are Market Cap, Altman Z-Score.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
HAFC profiles as a growth stock while PNC is a mature play — different risk/reward profiles.
PNC carries more volatility with a beta of 0.97 — expect wider price swings.
HAFC is growing revenue faster at 15.7% — sustainability is the question.
PNC generates stronger free cash flow (2.3B), providing more financial flexibility.
Bottom Line
HAFC scores higher overall (76/100 vs 73/100), backed by strong 29.7% margins and 15.7% revenue growth. PNC offers better value entry with a 73.5% margin of safety. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Hanmi Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Hanmi Financial Corporation is the holding company of Hanmi Bank offering commercial banking products and services in the United States. The company is headquartered in Los Angeles, California.
Visit Website →PNC Financial Services Group Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
PNC Financial Services Group, Inc. (stylized as PNC) is a bank holding company and financial services corporation based in Pittsburgh, Pennsylvania. Its banking subsidiary, PNC Bank, operates in 21 states and the District of Columbia with 2,296 branches and 9,051 ATMs. The company also provides financial services such as asset management, wealth management, estate planning, loan servicing, and information processing.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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