ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Hanmi Financial Corp. ?
1
High Profitability with a Net Interest Margin of 3.58%
2
Positive results in Dec 25
- NII(Q) Highest at USD 62.88 MM
- OPERATING CASH FLOW(Y) Highest at USD 155.1 MM
- DIVIDEND PER SHARE(HY) Highest at USD 0
3
With ROA of 0.59%, it has a fair valuation with a 1.05 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 18.73%, its profits have fallen by -2.6%
4
High Institutional Holdings at 96.33%
- 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.
18.73%
1.96
34.34%
S&P 500
20.78%
1.08
19.33%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
12.92%
EBIT Growth (5y)
8.67%
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
43.03%
Pledged Shares
0
Institutional Holding
96.33%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
1.05
EV to EBIT
7.79
EV to EBITDA
6.70
EV to Capital Employed
1.07
EV to Sales
1.54
PEG Ratio
NA
Dividend Yield
2.05%
ROCE (Latest)
13.72%
ROE (Latest)
8.50%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
NII(Q)
Highest at USD 62.88 MM
OPERATING CASH FLOW(Y)
Highest at USD 155.1 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
-1What is not working for the Company
CASH AND EQV(HY)
Lowest at USD 428.49 MM
Here's what is working for Hanmi Financial Corp.
NII
Highest at USD 62.88 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 155.1 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (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.
Cash and Eqv
Lowest at USD 428.49 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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