At this time, the firm appears to be undervalued. Hanmi Financial retains a regular Real Value of $32.23 per share. The prevalent price of the firm is $28.97. Our model calculates the value of Hanmi Financial from evaluating the firm fundamentals such as Current Valuation of 874.29 M, return on asset of 0.0093, and Return On Equity of 0.0957 as well as inspecting its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Hanmi Financial's valuation include:
Price Book
1.1132
Enterprise Value
874.3 M
Price Sales
3.5427
Forward PE
8.6207
Trailing PE
12.0708
Undervalued
Today
28.97
Please note that Hanmi Financial's price fluctuation is very steady at this time. Calculation of the real value of Hanmi Financial is based on 3 months time horizon. Increasing Hanmi Financial's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since Hanmi Financial is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Hanmi Stock. However, Hanmi Financial's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value.
Historical
Market 28.97
Real 32.23
Target 31.0
Hype 28.95
Naive 30.11
The real value of Hanmi Stock, also known as its intrinsic value, is the underlying worth of Hanmi Financial Company, which is reflected in its stock price. It is based on Hanmi Financial's financial performance, growth prospects, management team, or industry conditions. The intrinsic value of Hanmi Financial's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, or news.
Estimating the potential upside or downside of Hanmi Financial helps investors to forecast how Hanmi stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Hanmi Financial more accurately as focusing exclusively on Hanmi Financial's fundamentals will not take into account other important factors:
Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Hanmi Financial's intrinsic value based on its ongoing forecasts of Hanmi Financial's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Hanmi Financial's closest peers. If more than one evaluation category is relevant for Hanmi Financial we suggest using both methods to arrive at a better estimate.
Hanmi Financial Cash
201.57 Million
Hanmi Financial Total Value Analysis
Hanmi Financial is currently forecasted to have valuation of 874.29 M with market capitalization of 872.75 M, debt of 393.14 M, and cash on hands of 275.16 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the Hanmi Financial fundamentals before making equity appraisal based on enterprise value of the company
About 93.0% of the company shares are owned by institutional investors. The company has price-to-book (P/B) ratio of 1.11. Some equities with similar Price to Book (P/B) outperform the market in the long run. Hanmi Financial has Price/Earnings To Growth (PEG) ratio of 2.14. The entity last dividend was issued on the 4th of November 2025. The firm had 1:8 split on the 19th of December 2011. Hanmi Financial may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter.
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The latest return on assets of Hanmi indicates not a very effective usage of assets in January.
Dot-com Bubble
Housing Crash
Credit Downgrade
Yuan Drop
Covid
Interest Hikes
Hanmi Financial Profitability Analysis
Taking into consideration Hanmi Financial's profitability measurements, Hanmi Financial's profitability may be sliding down. It has an above-average probability of reporting lower numbers next quarter. Profitability indicators assess Hanmi Financial's ability to earn profits and add value for shareholders.
Net Income
First Reported
2000-03-31
Previous Quarter
15.1 M
Current Value
22.1 M
Quarterly Volatility
21.1 M
Dot-com Bubble
Housing Crash
Credit Downgrade
Yuan Drop
Covid
Interest Hikes
The current year's Gross Profit Margin is expected to grow to 0.54, whereas Gross Profit is forecasted to decline to about 154.2 M.
For Hanmi Financial profitability analysis, we use financial ratios and fundamental drivers that measure the ability of Hanmi Financial to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well Hanmi Financial utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between Hanmi Financial's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of Hanmi Financial over time as well as its relative position and ranking within its peers.
Hanmi Financial Earnings per Share Projection vs Actual
By analyzing Hanmi Financial's earnings estimates, investors can diagnose different trends across Hanmi Financial's analyst sentiment over time as well as compare current EPS estimates against different timeframes. Please be aware that the consensus of earnings estimates for Hanmi Financial is based on EPS before non-recurring items and includes expenses related to employee stock options.
Housing Crash
Credit Downgrade
Yuan Drop
Covid
Interest Hikes
Hanmi Financial is projected to generate 0.7025 in earnings per share on the 31st of March 2026. Hanmi Financial earnings estimates show analyst consensus about projected Hanmi Financial EPS (Earning Per Share). It derives the highest and the lowest estimates based on Hanmi Financial's historical volatility. Many public companies, such as Hanmi Financial, manage the perception of their earnings on a regular basis to make sure that analyst estimates are accurate. Future earnings calculations are also an essential input when attempting to value a firm.
Hanmi Financial Ownership Allocation
Hanmi Financial has a total of 29.96 Million outstanding shares. The majority of Hanmi Financial outstanding shares are owned by outside corporations. These institutional investors are usually referred to as non-private investors looking to purchase positions in Hanmi Financial to benefit from reduced commissions. Consequently, third-party entities are subject to a different set of regulations than regular investors in Hanmi Financial. Please pay attention to any change in the institutional holdings of Hanmi Financial as this could imply that something significant has changed or is about to change at the company. Please note that no matter how many assets the company holds, if the real value of the firm is less than the current market value, you may not be able to make money on it.
Hanmi Financial Profitability Analysis
The company reported the previous year's revenue of 429.51 M. Net Income was 62.2 M with profit before overhead, payroll, taxes, and interest of 246.35 M.
Hanmi Financial Past Distributions to stockholders
Please note that valuation analysis is one of the essential comprehensive assessments in business. It evaluates Hanmi Financial's worth, which you can determine by considering its current assets, liabilities and future cash flows. The investors' valuation analysis is an important metric that will give you a perspective on different companies. It helps you know the worth of the potential investment in Hanmi Financial and how it compares across the competition.
About Hanmi Financial Valuation
The stock valuation mechanism determines Hanmi Financial's current worth on a weekly basis. Our valuation model uses a comparative analysis of Hanmi Financial. We calculate exposure to Hanmi Financial's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Hanmi Financial's related companies.
Hanmi Financial's stock price is the clearest measure of market expectations about its performance. Without stock valuation, investors cannot independently discern whether Hanmi Financial's value is low or high relative to the company's performance and growth projections. Determining the market value of Hanmi Financial can be done in different ways, such as multiplying its stock price by its outstanding shares.
A single share of Hanmi Financial represents a small ownership stake in the entity. As a stockholder of Hanmi, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Hanmi Financial Dividends Analysis For Valuation
At present, Hanmi Financial's Dividend Yield is projected to increase slightly based on the last few years of reporting. The current year's Dividend Payout Ratio is expected to grow to 0.46, whereas Dividend Paid And Capex Coverage Ratio is forecasted to decline to 1.79. . At present, Hanmi Financial's Retained Earnings Total Equity is projected to increase significantly based on the last few years of reporting. The current year's Earnings Yield is expected to grow to 0.08, whereas Earning Assets are forecasted to decline to about 542.7 M.
There are various types of dividends Hanmi Financial can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Hanmi shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Hanmi Financial directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Hanmi pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Hanmi Financial by the value of the dividends paid out.
Hanmi Financial Growth Indicators
Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines.
Common Stock Shares Outstanding
30.1 M
Quarterly Earnings Growth Y O Y
0.49
Forward Price Earnings
8.6207
Hanmi Financial Current Valuation Indicators
Valuation refers to the process of determining the present value of Hanmi Financial and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value Hanmi we look at many different elements of the entity such as Hanmi's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Hanmi Financial, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Hanmi Financial's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Hanmi Financial's worth.
Complementary Tools for Hanmi Stock analysis
When running Hanmi Financial's price analysis, check to measure Hanmi Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Hanmi Financial is operating at the current time. Most of Hanmi Financial's value examination focuses on studying past and present price action to predict the probability of Hanmi Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Hanmi Financial's price. Additionally, you may evaluate how the addition of Hanmi Financial to your portfolios can decrease your overall portfolio volatility.