# Hanmi Financial Corporation (HAFC) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Financial Services / Banks. Price $33.04, market value $975 million.

## Valuation
- **P/E (trailing): 10.9×** (5-yr avg 8.0×, 3-yr avg 9.3×). Hanmi Financial Corporation trades at 10.9× trailing earnings, well above its own five-year average of 8.0×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 9.6×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.43**. A PEG of 0.43 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 3.4×**. Each dollar of revenue is priced at 3.4×.
- **Price / book: 1.2×**. The shares trade at 1.2× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 21.7%** (5-yr avg 18.4%). Free cash flow equals 21.7% of the market value, in line with its five-year average of 18.4%. Above 5% is generally attractive.
- **Earnings yield: 9.1%**. The inverse of the P/E: 9.1% of the price is earned each year.

## Profitability
- **Operating margin: 31.2%**. 31.2% of revenue is left after running the business, an exceptional level.
- **Net margin: 28.2%**. 28.2% of each dollar of sales reaches the bottom line.
- **Return on equity: 9.6%**. 9.6% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 1.1%**. Each dollar of assets produces 1.1% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 15.3%** (3-yr -0.2%/yr). Revenue grew 15.3% over the last year.
- **EPS growth (1 yr): 22.4%** (3-yr -8.9%/yr, 5-yr 12.7%/yr). Earnings per share rose 22.4%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): 11.9%/yr**. Free cash flow has compounded at 11.9% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 3.39%** ($1.11 per share, trailing). Hanmi Financial Corporation yields 3.39%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 43%** (16% of free cash flow). 43% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 5**. 5 straight years of increases.
- **Dividend growth (5 yr): 15.7%/yr** (1-yr 8.0%). The dividend has compounded at 15.7% a year over five years, doubling roughly every 5 years at that pace.

## Price and momentum
- **Total return (1 yr): 30.1%** (YTD 25.8%, 3-mo 4.2%). The shares are up 30.1% over twelve months including dividends.
- **From 52-week high: -1.7%** (34.6% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 66**. An RSI of 66 is neutral.
- **Beta (1 yr): 0.54** (volatility 28%). Beta of 0.54 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=HAFC · Page: https://foliofundamentals.com/stocks/hafc

Not investment advice.