US · HAFC
Hanmi Financial Corporation
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Los Angeles, CA 90017
- Website
- hanmi.com
Price · as of 2025-12-31
$30.17
Market cap 782.13M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $20.60 | -31.72% |
| Intrinsic Value(DCF) | $22.49 | -25.46% |
| Graham-Dodd Method(GD) | $22.66 | -24.89% |
| Graham Formula(GF) | $29.50 | -2.22% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $5.78 | $91.66 | $11.65 | $20.89 | $0.00 |
| 2012 | $10.60 | $48.03 | $15.97 | $26.37 | $0.00 |
| 2013 | $15.64 | $47.01 | $17.69 | $16.86 | $17.98 |
| 2014 | $13.36 | $65.89 | $24.05 | $18.99 | $30.48 |
| 2015 | $14.67 | $48.22 | $41.02 | $17.97 | $60.41 |
| 2016 | $21.79 | $26.97 | $27.36 | $13.09 | $14.06 |
| 2017 | $22.38 | $36.38 | $58.18 | $13.64 | $37.98 |
| 2018 | $15.73 | $39.39 | $22.47 | $11.50 | $26.18 |
| 2019 | $11.64 | $37.89 | $17.83 | $8.77 | $14.19 |
| 2020 | $17.27 | $40.39 | $17.89 | $17.75 | $7.60 |
| 2021 | $20.32 | $36.95 | $22.26 | $28.89 | $16.46 |
| 2022 | $18.33 | $35.12 | $22.30 | $23.23 | $91.23 |
| 2023 | $14.34 | $38.03 | $21.52 | $20.91 | $94.85 |
| 2024 | $21.48 | $29.29 | $32.37 | $19.20 | $32.70 |
| 2025 | $26.36 | $20.60 | $10.28 | $22.66 | $29.50 |
AI valuation
Our deep-learning model estimates Hanmi Financial Corporation's (HAFC) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $20.60
- Current price
- $30.17
- AI upside
- -31.72%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$22.49
-25.46% upside
Graham-Dodd
$22.66
-24.89% upside
Graham Formula
$29.50
-2.22% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| HAFC | Hanmi Financial Corporati… | $30.17 | 782.13M | -32% | -25% | -25% | -2% | 10.34 | 0.99 | 1.77 | -0.24 | 46.09 | 1.00 | 57.46% | 24.27% | 17.11% | 9.96% | -149.34% | 0.98% | 0.35 | 0.62 | 3.58 | 3.58 | 0.63 | 2244.00% | 355.00% | 30138.00% | 26.18% | 0.10 | -404.33% | 4.15% | 42.90% | 7.97% | -0.24 | -0.13 | -0.06 | 1.08 |
| AMAL | Amalgamated Financial Cor… | $38.49 | 1.15B | +2% | +44% | -14% | +93% | 8.32 | 1.25 | 2.03 | -3.12 | 41.01 | 1.28 | 70.33% | 33.38% | 24.45% | 16.46% | -16.33% | 1.31% | 0.47 | 1.22 | 0.24 | 0.24 | 1.81 | 2028.00% | 1382.00% | 565.00% | 13.82% | 0.02 | -18.80% | 1.61% | 13.40% | 1.75% | -3.24 | -3.85 | -1.08 | -0.53 |
| BFST | Business First Bancshares… | $27.30 | 808.5M | +103% | -52% | +51% | +112% | 9.31 | 0.91 | 1.60 | -0.26 | 40.48 | 1.08 | 60.92% | 22.15% | 17.16% | 10.36% | 18.38% | 1.09% | 0.61 | 0.59 | 5.62 | 5.62 | 1.18 | 2301.00% | 1184.00% | 5388.00% | 11.25% | 0.07 | 18.74% | 0.00% | 0.00% | 2.93% | -0.27 | -0.33 | -0.06 | 1.14 |
| CFFN | Capitol Federal Financial… | $7.18 | 943.73M | +263% | -41% | -23% | +29% | 12.53 | 0.81 | 2.04 | 18.55 | 15.80 | 0.82 | 47.30% | 19.89% | 16.30% | 6.54% | 3.39% | 0.70% | 1.86 | 0.38 | 1.27 | 0.17 | 18.72 | 7931.00% | 1003.00% | 10766.00% | 5.85% | 0.01 | 2.48% | 5.19% | 65.10% | 36.60% | 20.28 | 33.78 | 4.03 | 0.33 |
| CPF | Central Pacific Financial… | $31.85 | 853.8M | -9% | +33% | +15% | +30% | 11.12 | 1.45 | 2.38 | 1.51 | 24.33 | 1.47 | 76.12% | 27.79% | 21.38% | 13.70% | -50.52% | 1.04% | 0.22 | 1.37 | 33.66 | 33.66 | 0.39 | 4569.00% | 642.00% | 2922.00% | 11.32% | 3.81 | -62.03% | 0.00% | 0.00% | 0.00% | 1.51 | 1.56 | 0.42 | 0.34 |
| ESQ | Esquire Financial Holding… | $100.98 | 864.94M | -52% | +174% | -52% | +17% | 12.83 | 2.36 | 4.05 | 3.07 | 273.93 | 2.36 | 86.88% | 42.87% | 31.57% | 20.04% | -39.74% | 2.49% | 0.00 | 4.41 | 0.23 | 0.23 | -2.02 | 468.00% | 1367.00% | -85.00% | 6.97% | 0.03 | -35.55% | 0.87% | 11.10% | 0.87% | 3.24 | 4.92 | 1.39 | -0.31 |
| FMBH | First Mid Bancshares, Inc… | $41.01 | 983.97M | -29% | -6% | -17% | +14% | 10.80 | 1.03 | 2.13 | 1.72 | 67.24 | 1.40 | 72.80% | 25.12% | 19.69% | 10.17% | 45.82% | 1.18% | 0.57 | 1.00 | 0.28 | 0.28 | 2.53 | 1606.00% | 419.00% | -4701.00% | 6.39% | 0.01 | 31.62% | 2.36% | 25.50% | 17.74% | 1.72 | 3.18 | 0.43 | -0.33 |
| FSBC | Five Star Bancorp | $38.93 | 832.17M | +61% | +95% | -9% | +106% | 13.50 | 1.87 | 3.26 | 11.10 | 47.67 | 1.87 | 58.22% | 32.78% | 24.11% | 14.63% | 21.76% | 1.40% | 0.22 | 0.86 | 0.14 | 0.00 | 1.17 | 2832.00% | 2039.00% | 4194.00% | 8.73% | 0.02 | 25.64% | 0.00% | 0.00% | 0.00% | 11.10 | 12.80 | 3.64 | -0.49 |
| HFWA | Heritage Financial Corpor… | $26.41 | 896.8M | +53% | -6% | -41% | +4% | 13.31 | 0.98 | 2.68 | 3.53 | 22.92 | 1.32 | 72.43% | 23.15% | 20.10% | 7.57% | 19.35% | 0.96% | 0.05 | 0.87 | 1.18 | 1.18 | -0.13 | 5806.00% | 592.00% | -4874.00% | 3.48% | 0.01 | 9.06% | 3.63% | 48.30% | 37.42% | 3.61 | 8.99 | 0.84 | 0.40 |
| MOFG | MidWestOne Financial Grou… | $49.31 | 1.02B | -65% | -45% | — | +1% | -7.90 | 0.85 | 2.31 | 12.33 | — | 1.05 | 29.37% | -40.77% | -29.26% | -11.12% | 11.26% | -0.95% | 0.21 | -0.61 | 0.29 | 0.29 | 1.16 | -36617.00% | -2313.00% | 387.00% | 12.76% | 0.01 | -11.35% | 3.47% | -27.40% | 34.01% | 11.20 | -15.47 | -4.57 | -0.67 |
| SBSI | Southside Bancshares, Inc… | $31.32 | 941.67M | +55% | +190% | +749% | -98% | 13.83 | 0.11 | 2.28 | -7.02 | — | 0.12 | 55.84% | 19.72% | 16.52% | 1.48% | 1.90% | 0.56% | 0.00 | 0.45 | — | — | -0.98 | -2158.00% | -812.00% | -6832.00% | 3.00% | — | 0.79% | 4.53% | 62.70% | 78.45% | -7.02 | -20.19 | -1.38 | 0.23 |
About Hanmi Financial Corporation
Hanmi Financial Corporation operates as the holding company for Hanmi Bank that provides business banking products and services in the United States. The company offers various deposit products, including noninterest-bearing checking accounts, interest-bearing checking and savings accounts, negotiable order of withdrawal accounts, money market accounts, and certificates of deposit. It also provides real estate loans, such as commercial property, construction, and residential property loans; and commercial and industrial loans, such as commercial term loans and commercial lines of credit, as well as international finance, and trade services and products comprising letters of credit, and import and export financing. In addition, the company offers consumer loans, secured and unsecured loans, home equity loans, residential mortgages, and credit cards; SBA and trade finance lending to small and middle market businesses; and small business administration loans for business purposes, which comprise owner-occupied commercial real estate, business acquisitions, start-ups, franchise financing, working capital, improvements and renovations, inventory and equipment, and debt-refinancing, as well as equipment lease financing. As of February 28, 2022, it operated a network of 35 full-service branches and 8 loan production offices in California, Texas, Illinois, Virginia, New Jersey, New York, Colorado, Washington, and Georgia. The company was founded in 1982 and is headquartered in Los Angeles, California.
- CEO
- Bonita I. Lee
- Employees
- 597
- Beta
- 0.72
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($22.49 ÷ $30.17) − 1 = -25.46% (DCF, example).