Hanmi Financial Corporation

Hanmi Financial Corporation

HAFCยทNASDAQ

$29.15

-3.5%
Financial ServicesBanks - Regional

Hanmi Financial Corporation operates as the holding company for Hanmi Bank that provides business banking products and services in the United States. The company offers various deposit products, including noninterest-bearing checking accounts, interest-bearing checking and savings accounts, negotiable order of withdrawal accounts, money market accounts, and certificates of deposit. It also provides real estate loans, such as commercial property, construction, and residential property loans; and commercial and industrial loans, such as commercial term loans and commercial lines of credit, as well as international finance, and trade services and products comprising letters of credit, and import and export financing. In addition, the company offers consumer loans, secured and unsecured loans, home equity loans, residential mortgages, and credit cards; SBA and trade finance lending to small and middle market businesses; and small business administration loans for business purposes, which comprise owner-occupied commercial real estate, business acquisitions, start-ups, franchise financing, working capital, improvements and renovations, inventory and equipment, and debt-refinancing, as well as equipment lease financing. As of February 28, 2022, it operated a network of 35 full-service branches and 8 loan production offices in California, Texas, Illinois, Virginia, New Jersey, New York, Colorado, Washington, and Georgia. The company was founded in 1982 and is headquartered in Los Angeles, California.

At a Glance

Live Snapshot
Market Cap$867.69M
EPS2.5500
P/E Ratio11.43
Earnings Date07/28/2026
Hanmi Financial Corporation

Hanmi Financial Corporation Fair Value Envelope

HAFC ยท NASDAQ

Our analysis suggests that HAFC has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $29.15, this represents a potential HIDDEN relative to our calculated worth for Hanmi Financial Corporation.

Intrinsic Value
Current Price: $29.15

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

$
%
$
%
$
$

Projection Settings

Forecast period and terminal assumptions

%
%

DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$1,868.9B
+ Cash & Equivalents$212.8M
Firm Value$1,869.1B
- Debt$280.5M
Equity Value$1,868.8B
/ Shares Outstanding29,975,371B
DCF Value$62.3K
UNDERVALUED BY 213775%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$412.0M
$824.0M
$1.6B
$3.3B
$6.6B
$13.2B
$26.4B
$52.7B
$105.5B
$211.0B
Maintenance CapEx
-$922.8K
-$1.8M
-$3.7M
-$7.4M
-$14.8M
-$29.5M
-$59.1M
-$118.1M
-$236.2M
-$472.5M
Owner Earnings
$411.1M
$822.2M
$1.6B
$3.3B
$6.6B
$13.2B
$26.3B
$52.6B
$105.2B
$210.5B
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$380.6M
$704.9M
$1.3B
$2.4B
$4.5B
$8.3B
$15.4B
$28.4B
$52.6B
$97.5B
Terminal Value represents 88.7% of Enterprise Value