CoverageForm 410-K10-Q8-K13D13G13F

HAFC · Hanmi Financial Corp - Financials

Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.

Price · HAFC

Income Statement

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Revenue$270.17M$234.36M----
Cost of Revenue------
Gross Profit------
R&D------
SG&A------
Total Operating Expenses------
D&A$3.30M$3.20M$3.30M$3.90M$4.40M$4.00M
Operating Income$76.09M$62.20M$114.58M$140.73M$135.49M$59.49M
Interest Expense--$148.06M$36.17M$21.63M$42.97M
Income Tax$31.84M$26.40M$34.54M$39.33M$36.82M$17.30M
Net Income$76.09M$62.20M$80.04M$101.39M$98.68M$42.20M
EPS - Basic$2.53$2.06$2.63$3.33$3.22$1.38
EPS - Diluted$2.51$2.05$2.62$3.32$3.22$1.38

Balance Sheet

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Cash & Equivalents$212.84M$304.80M$302.32M$352.42M$608.97M$391.85M
Accounts Receivable------
Inventory------
Accounts Payable------
Current Assets------
Total Assets$7.87B$7.68B$7.57B$7.38B$6.86B$6.20B
Current Liabilities------
Long-term Debt------
Total Liabilities$7.07B$6.95B$6.87B$6.74B$6.22B$5.62B
Stockholders' Equity$796.39M$732.17M$701.89M$637.51M$643.42M$577.04M
Retained Earnings$394.33M$350.87M$319.05M$269.54M$196.78M$114.62M

Cash Flow

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Operating Cash Flow$206.01M$53.95M$107.80M$147.31M$93.73M$60.20M
Investing Cash Flow($384.32M)($107.47M)($209.99M)($881.51M)($447.04M)($407.59M)
Financing Cash Flow$86.35M$56.00M$52.10M$477.65M$570.43M$617.55M
CapEx$2.31M$2.62M$2.42M$1.93M$2.72M$4.39M
Free Cash Flow$203.70M$51.33M$105.38M$145.38M$91.00M$55.81M

Ratios

MetricFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Profitability
Gross margin------
Operating margin28.2%26.5%----
EBITDA margin29.4%27.9%----
Net margin28.2%26.5%----
Free cash flow margin75.4%21.9%----
FCF / Net income2.680.831.321.430.921.32
R&D / Revenue------
SG&A / Revenue------
Effective tax rate29.5%29.8%30.1%27.9%27.2%29.1%
Return on assets1.0%0.8%1.1%1.4%1.4%0.7%
Return on equity9.6%8.5%11.4%15.9%15.3%7.3%
Return on invested capital------
Liquidity
Current ratio------
Quick ratio------
Cash ratio------
Leverage
Debt / Equity------
Debt / Assets------
Debt / EBITDA------
Interest coverage--0.8x3.9x6.3x1.4x
Equity multiplier9.8810.4910.7911.5710.6610.75
Liabilities / Assets0.900.900.910.910.910.91
Efficiency
Asset turnover0.030.03----
Inventory turnover------
Days sales outstanding------
Days inventory outstanding------
Days payable outstanding------
Cash conversion cycle------
Valuation
P / E10.8x11.5x7.4x7.5x7.4x8.2x
P / B1.0x1.0x0.8x1.2x1.1x0.6x
P / S3.0x3.0x----
EV / EBITDA7.5x6.2x2.4x2.8x0.8x-0.8x
Growth
Revenue growth (YoY)15.3%-----
Revenue CAGR (3y)------
Revenue CAGR (5y)------
Gross profit growth (YoY)------
Operating income growth (YoY)22.3%-45.7%-18.6%3.9%127.7%25.7%
Net income growth (YoY)22.3%-22.3%-21.1%2.8%133.9%28.7%
EPS growth (YoY)22.4%-21.8%-21.1%3.1%133.3%30.2%
EPS CAGR (3y)-8.9%-14.0%23.8%46.3%21.6%-6.5%
EPS CAGR (5y)12.7%14.1%7.9%14.5%13.0%-3.9%
FCF growth (YoY)296.9%-51.3%-27.5%59.8%63.1%-3.7%
FCF CAGR (5y)29.6%-2.4%7.6%13.0%11.1%-2.4%
Book value growth (YoY)8.8%4.3%10.1%-0.9%11.5%2.4%

Sales by segment

From XBRL dimensional facts in the 10-K period ending 2025-12-31.

Business segments

$270.17M total
Banking Segment$270.17M · 100.0%

Stability scores

Piotroski F-score

FY 2025 · 9-point quality

6/9
Neutral
  • Net income positive
  • Operating cash flow positive
  • ROA improved YoY
  • Cash flow > net income
  • -Long-term debt decreased
  • -Current ratio improved
  • No share dilution
  • -Gross margin improved
  • Asset turnover improved

Peer comparison

Same SIC group: National Commercial Banks

CompanyRevenue (last FY)Net marginROE
HBAN---
UMBF--9.1%
ZION$662.00M135.8%12.5%
JPM$182.45B31.3%15.7%
SFNC$5.63M-7060.1%-11.6%

Comparing HANMI FINANCIAL CORP against the 5 most active filers in the same SIC group.

Dividends

$1.10/share trailing 12 months · +5.8% YoY

Ex-datePer share
May 4, 2026$0.2800
Feb 9, 2026$0.2800
Nov 4, 2025$0.2700
Aug 4, 2025$0.2700
May 5, 2025$0.2700
Feb 10, 2025$0.2700
Nov 4, 2024$0.2500
Aug 5, 2024$0.2500
May 3, 2024$0.2500
Feb 2, 2024$0.2500
Nov 3, 2023$0.2500
Aug 4, 2023$0.2500
May 5, 2023$0.2500
Feb 3, 2023$0.2500
Nov 4, 2022$0.2500
Aug 5, 2022$0.2500
May 6, 2022$0.2200
Feb 4, 2022$0.2200
Nov 5, 2021$0.2000
Aug 6, 2021$0.1200
May 7, 2021$0.1200
Feb 5, 2021$0.1000
Nov 13, 2020$0.0800
Aug 7, 2020$0.0800