ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Hanmi Financial Corp. ?
1
High Profitability with a Net Interest Margin of 2.87%
2
Positive results in Jun 25
- NII(Q) Highest at USD 57.14 MM
- DIVIDEND PAYOUT RATIO(Y) Highest at 54.12%
- DIVIDEND PER SHARE(HY) Highest at USD 0
3
With ROA of 0.60%, it has a fair valuation with a 1.04 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 4.73%, its profits have fallen by -10.1%
4
High Institutional Holdings at 99.74%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Hanmi Financial Corp. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Hanmi Financial Corp. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Hanmi Financial Corp.
10.11%
2.56
32.90%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
11.05%
EBIT Growth (5y)
9.52%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
48.79%
Pledged Shares
0
Institutional Holding
99.74%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
1.04
EV to EBIT
8.59
EV to EBITDA
7.38
EV to Capital Employed
1.04
EV to Sales
1.69
PEG Ratio
NA
Dividend Yield
3.05%
ROCE (Latest)
12.14%
ROE (Latest)
8.54%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
NII(Q)
Highest at USD 57.14 MM
DIVIDEND PAYOUT RATIO(Y)
Highest at 54.12%
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET SALES(Q)
Highest at USD 101.33 MM
-4What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 26.67 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 93.71%
Here's what is working for Hanmi Financial Corp.
NII
Highest at USD 57.14 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Dividend Payout Ratio
Highest at 54.12% and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Net Sales
Highest at USD 101.33 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Here's what is not working for Hanmi Financial Corp.
Operating Cash Flow
Lowest at USD 26.67 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Credit Deposit Ratio
Lowest at 93.71%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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