ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Hanmi Financial Corp. ?
1
High Profitability with a Net Interest Margin of 3.66%
2
With a growth in Interest of NAN%, the company declared Very Positive results in Jun 26
- The company has declared positive results for the last 4 consecutive quarters
- GROSS NPA (%)(Q) Lowest at 0.15%
- NII(Q) Highest at USD 63.86 MM
- OPERATING CASH FLOW(Y) Highest at USD 216.78 MM
3
With ROA of 0.69%, it has a attractive valuation with a 1.08 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 26.35%, its profits have risen by 22.3% ; the PEG ratio of the company is 0.5
4
High Institutional Holdings at 100%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 3.68% over the previous quarter.
5
Market Beating performance in long term as well as near term
- Along with generating 26.35% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you buy?
- 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.
26.35%
3.64
30.71%
S&P 500
15.36%
1.17
13.09%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
12.92%
EBIT Growth (5y)
8.51%
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
42.99%
Pledged Shares
0
Institutional Holding
96.32%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
1.08
EV to EBIT
8.50
EV to EBITDA
8.09
EV to Capital Employed
1.07
EV to Sales
2.12
PEG Ratio
0.49
Dividend Yield
2.03%
ROCE (Latest)
12.64%
ROE (Latest)
9.48%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend18What is working for the Company
GROSS NPA (%)
(Q
NII(Q)
Highest at USD 63.86 MM
OPERATING CASH FLOW(Y)
Highest at USD 216.78 MM
ROCE(HY)
Highest at 1.12%
DIVIDEND PER SHARE(HY)
Highest at USD 0
OPERATING PROFIT(Q)
Highest at USD 31.98 MM
OPERATING PROFIT MARGIN(Q)
Highest at 30.95 %
PRE-TAX PROFIT(Q)
Highest at USD 31.98 MM
NET PROFIT(Q)
Highest at USD 23.34 MM
EPS(Q)
Highest at USD 0.79
-2What is not working for the Company
ROCE(HY)
Lowest at 1.12%
Here's what is working for Hanmi Financial Corp.
Non Performing Loans (%)
Lowest at 0.15% and Fallen
In each half year in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
NII
Highest at USD 63.86 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Cash Flow
Highest at USD 216.78 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Operating Profit
Highest at USD 31.98 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 30.95 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 31.98 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 23.34 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.79
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
CASA
Highest at 12.61%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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