Hanmi Financial Corporation (HAFC) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Hanmi Financial Corporation stock (HAFC) is currently trading at $26.12. Hanmi Financial Corporation PE ratio is 10.10. Hanmi Financial Corporation PS ratio (Price-to-Sales) is 2.97. Analyst consensus price target for HAFC is $31.50. WallStSmart rates HAFC as Buy.
- HAFC PE ratio analysis and historical PE chart
- HAFC PS ratio (Price-to-Sales) history and trend
- HAFC intrinsic value — DCF, Graham Number, EPV models
- HAFC stock price prediction 2025 2026 2027 2028 2029 2030
- HAFC fair value vs current price
- HAFC insider transactions and insider buying
- Is HAFC undervalued or overvalued?
- Hanmi Financial Corporation financial analysis — revenue, earnings, cash flow
- HAFC Piotroski F-Score and Altman Z-Score
- HAFC analyst price target and Smart Rating
Hanmi Financial Corporation
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HAFC Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Hanmi Financial Corporation (HAFC)
HAFC trades at a significant discount to its Graham intrinsic value of $98.19, offering a 73% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Hanmi Financial Corporation (HAFC) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/book. Concerns around return on equity. Overall metrics suggest strong investment potential with favorable risk/reward.
Hanmi Financial Corporation (HAFC) Key Strengths (6)
Keeps $44 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Keeps $30 of every $100 in revenue as net profit
92.99% of shares held by major funds and institutions
Good growth relative to its price
Strong earnings growth at 20.20% per year
Supporting Valuation Data
Hanmi Financial Corporation (HAFC) Areas to Watch (4)
Low profitability relative to shareholder equity
Small-cap company with higher risk but more growth potential
Revenue is fairly priced at 2.97x sales
Solid revenue growth at 15.70% per year
Hanmi Financial Corporation (HAFC) Detailed Analysis Report
Overall Assessment
This company scores 76/100 in our Smart Analysis, earning a B+ grade. Out of 10 metrics analyzed, 6 register as strengths (avg 9.3/10) while 4 fall into concern territory (avg 5.0/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, Profit Margin. Valuation metrics including PEG Ratio (1.39), Price/Book (0.95) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 43.50%, Profit Margin at 29.70%. Growth metrics are encouraging with EPS Growth at 20.20%.
The Bear Case
The primary concerns are Return on Equity, Market Cap, Price/Sales. Some valuation metrics including Price/Sales (2.97) suggest expensive pricing. Growth concerns include Revenue Growth at 15.70%, which may limit upside. Profitability pressure is visible in Return on Equity at 9.96%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 9.96% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 15.70% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Price/Book makes a compelling case at current levels. The key risk is Return on Equity, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B+ grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
HAFC Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
HAFC's Price-to-Sales ratio of 2.97x sits near its historical average of 3.01x (14th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 4% below its historical high of 3.09x set in Mar 2026, and 0% above its historical low of 2.96x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Hanmi Financial Corporation (HAFC) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Hanmi Financial Corporation is a strong growth company balancing expansion with improving profitability. Revenue reached 256M with 16% growth year-over-year. Profit margins are strong at 29.7%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 996.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 29.7% and operating margin of 43.5% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Dividend sustainability with a current yield of 420.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Hanmi Financial Corporation.
Bottom Line
Hanmi Financial Corporation offers an attractive blend of growth (16% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(12 last 3 months)
Data sourced from SEC Form 4 filings
Last updated: 8:23:15 AM
About Hanmi Financial Corporation(HAFC)
NASDAQ
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.