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Hanmi Financial

NSQ:HAFC · US4104952043
BanksSmall

360

54
Profit price67
Cash yield85
Price/Sales73
EV / Gross Profit64
Price/Book49
Returns on capital68
Profit margins—
Cash Conversion96
Accruals47
Owner Earnings Margin61
Sales growth50
Profit Growth52
Owner Earnings Growth67
Reinvestment84
Price momentum67
Debt load54
Debt serviceability59
Liquidity47
Analyst ratings4
Opinion Changes14
Price Target Upside52
Market mood89
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Hanmi Financial generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQGS
Founded2000
Websiteinvestors.hanmi.com
ISINUS4104952043
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)Sound Pay Practices (USA)

Description

Hanmi Financial Corporation (‘Hanmi Financial’) operates as a holding company for Hanmi Bank (the ‘bank’) that conducts general business banking. The company is subject to the Bank Holding Company Act of 1956, as amended (the ‘BHCA’). The bank is li…

Analysis

Bargain bin

Hanmi Financial Corporation is priced cheaply, and that invites the natural question of why, since the underlying business scores below average.

On valuation, the picture is attractive. The owner-earnings multiple stands at 11.0×; owner earnings: the cash an owner could take out each year.

Growth is moderate; the safety picture is adequate. The company scores 20/20 on our value-creation score: strong value creator. Analyst sentiment is cautious.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
96
2023202420252026

All-time high

100

Nov 2025

All-time low

66

Feb 2024

Average rank

91

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
73
70
83
70
Price/Earnings
81
75
95
64
Price/Book
49
59
77
53
Dividend Yield
85
78
90
96
Value (overall)
85
65
97
96

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →