HAFC Valuation

Hanmi Financial Corp

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25.260

+0.27(1.080%)1D

Overview
Forecast
Valuation
Earnings

HAFC Relative Valuation

HAFC's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, HAFC is overvalued; if below, it's undervalued.

Historical Valuation

Hanmi Financial Corp (HAFC) is now in the Fair zone, suggesting that its current forward PE ratio of 9.57 is considered Fairly compared with the five-year average of 8.50. The fair price of Hanmi Financial Corp (HAFC) is between 20.83 to 27.04 according to relative valuation methord.

Relative Value

Fair Zone

20.83-27.04

Current Price：25.26

Fair

9.57

Trailing

Forward

0.00

EV/EBITDA

Hanmi Financial Corp. (HAFC) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

Hanmi Financial Corp. (HAFC) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

2.71

Hanmi Financial Corp. (HAFC) has a current PS of 2.71. The 5-year average PS is 2.37. The thresholds are as follows: Strongly Undervalued below 1.47, Undervalued between 1.47 and 1.92, Fairly Valued between 2.83 and 1.92, Overvalued between 2.83 and 3.28, and Strongly Overvalued above 3.28. The current Forward PS of 2.71 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

Hanmi Financial Corp. (HAFC) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Hanmi Financial Corp. (HAFC) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Hanmi Financial Corp (HAFC) has a current Price-to-Book (P/B) ratio of 0.98. Compared to its 3-year average P/B ratio of 0.89 , the current P/B ratio is approximately 10.30% higher. Relative to its 5-year average P/B ratio of 0.92, the current P/B ratio is about 6.32% higher. Hanmi Financial Corp (HAFC) has a Forward Free Cash Flow (FCF) yield of approximately 3.61%. Compared to its 3-year average FCF yield of 17.26%, the current FCF yield is approximately -79.10% lower. Relative to its 5-year average FCF yield of 15.62% , the current FCF yield is about -76.92% lower.

0.98

P/B

Median3y

0.89

Median5y

0.92

3.61

FCF Yield

Median3y

17.26

Median5y

15.62

Competitors Valuation Multiple

The average P/S ratio for HAFC's competitors is 2.86, providing a benchmark for relative valuation. Hanmi Financial Corp Corp (HAFC) exhibits a P/S ratio of 2.71, which is -5.19% above the industry average. Given its robust revenue growth of 15.51%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

Business First Bancshares Inc

Metrocity Bankshares Inc

Capital City Bank Group Inc

Performance Decomposition

Market capitalization of HAFC increased by 30.35% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 9.31 to 11.57.

The secondary factor is the Revenue Growth, contributed 15.51%to the performance.

Overall, the performance of HAFC in the past 1 year is driven by P/E Change. Which is more unsustainable.

15.51%

55.13M → 63.68M

Revenue Growth

-9.42%

26.21 → 23.74

Margin Expansion

24.26%

9.31 → 11.57

P/E Change

30.35%