Hanmi Financial Corporation Financial Ratios — HF7N Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	12.27	27.21	10.24	11.66	11.36	11.02	10	10.38	5.88	7.4	16.17	15.83	11.95	8.67	9.96
Return on Assets (%)	1	3.21	1.34	1.37	1.27	1.26	1.1	1.08	0.59	0.72	1.51	1.42	1.07	0.82	0.98
Return on Capital (%)	7.2	- -	8.04	8.66	8.25	7.3	6.45	7.44	4.38	5.22	10.71	9.6	7.04	5.45	6.91
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	23.25	36.29	46.82	48.25	47.01	46.25	45.33	40.85	23.42	26.73	57.61	51.77	45.92	37.95	39.95
Profit Margin (%)	22.66	75.63	29.85	33.08	27.5	29.23	26	28.16	16.22	18.96	41.96	37.3	32.08	26.64	28.16
Net Income to Common Margin (%)	22.66	75.63	29.85	33.08	27.5	29.23	26	28.16	16.22	18.96	41.96	37.3	32.08	26.64	28.16
Effective Tax Rate (%)	2.54	- -	36.36	30.83	41.5	36.8	42.63	31.08	30.75	29.08	27.17	27.95	30.14	29.8	29.5
Dvd Payout Ratio (%)	- -	- -	11.16	13.33	23.75	45.43	47.22	53.43	90.81	37.82	16.74	28.24	38.15	48.84	42.87
Sustainable Growth Rate (%)	12.27	27.21	9.1	10.11	8.66	6.02	5.28	4.83	0.54	4.6	13.46	11.36	7.39	4.44	5.69

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	86	85	128	169	189	334	267	173	208	269	353	479	455	393	280
ST Debt	- -	- -	- -	- -	- -	315	150	55	15	- -	50	300	250	225	150
LT Debt	86	85	128	169	189	19	117	118	193	269	303	179	205	168	130
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	10.41	13.13	13.1	10.71	11.66	11.3	10.8	10.04	10.17	9.3	9.38	8.64	9.27	9.54	10.12
Long-Term Debt/Equity (%)	30.01	22.56	31.88	37.17	38.21	3.57	20.85	21.32	34.33	46.61	47.02	28.14	29.21	22.96	16.38
Long-Term Debt/Capital (%)	23.08	18.4	24.17	27.1	27.64	2.19	14.13	16.24	25.06	31.79	30.37	16.06	17.72	14.94	12.12
Long-Term Debt/Total Assets (%)	3.12	2.96	4.18	3.98	4.46	0.4	2.25	2.14	3.49	4.34	4.41	2.43	2.71	2.19	1.66
Total Debt/Equity (%)	30.01	22.56	31.88	37.17	38.21	62.89	47.52	31.27	36.99	46.61	54.79	75.2	64.83	53.69	35.22
Total Debt/Capital (%)	23.08	18.4	24.17	27.1	27.64	38.61	32.21	23.82	27	31.79	35.39	42.92	39.33	34.94	26.04
Total Debt/Total Assets (%)	3.12	2.96	4.18	3.98	4.46	7.1	5.13	3.14	3.76	4.34	5.14	6.5	6.01	5.12	3.56
Net Debt to Equity	-33.6	-48.29	-12.95	2.26	4.93	35.17	20.17	3.15	15.39	-21.29	-39.86	19.92	21.75	12.07	8.49
Net Debt/Capital (%)	-50.61	-93.38	-14.88	2.21	4.7	26.02	16.78	3.06	13.34	-27.06	-66.28	16.61	17.87	10.77	7.83
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	10.41	13.13	13.1	10.71	11.66	11.3	10.8	10.04	10.17	9.3	9.38	8.64	9.27	9.54	10.12
Long-Term Debt/Equity (%)	30.01	22.56	31.88	37.17	38.21	3.57	20.85	21.32	34.33	46.61	47.02	28.14	29.21	22.96	16.38
Long-Term Debt/Capital (%)	23.08	18.4	24.17	27.1	27.64	2.19	14.13	16.24	25.06	31.79	30.37	16.06	17.72	14.94	12.12
Long-Term Debt/Total Assets (%)	3.12	2.96	4.18	3.98	4.46	0.4	2.25	2.14	3.49	4.34	4.41	2.43	2.71	2.19	1.66
Total Debt/Equity (%)	30.01	22.56	31.88	37.17	38.21	62.89	47.52	31.27	36.99	46.61	54.79	75.2	64.83	53.69	35.22
Total Debt/Capital (%)	23.08	18.4	24.17	27.1	27.64	38.61	32.21	23.82	27	31.79	35.39	42.92	39.33	34.94	26.04
Total Debt/Total Assets (%)	3.12	2.96	4.18	3.98	4.46	7.1	5.13	3.14	3.76	4.34	5.14	6.5	6.01	5.12	3.56
CFO/Total Liabilities	2	2.11	2.29	0.67	1.78	1.42	1.76	1.55	1.18	1.07	1.51	2.19	1.59	0.76	2.91
CFO/CapEx	42.2	78.26	59.64	22.15	58.05	81.31	96.86	20.73	37.24	13.71	34.41	76.48	45.17	20.06	89.3
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	15.65	15.5	18.25	17.9	20.33	18.87	17.7	15.75	16.13	15.84	16.6	17.82	11.91	10.08	11.4
Days Sales Outstanding	23.33	23.55	20	20.39	17.95	19.35	20.62	23.18	22.63	23.04	21.99	20.48	30.65	36.19	32.02
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	825
- Cash & Cash Equivalents	182	268	179	158	164	147	154	155	122	392	609	352	302	305	213
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	86	85	128	169	189	334	267	173	208	269	353	479	455	393	280
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	12
Total Capital	371	464	528	622	683	865	830	725	772	846	996	1,117	1,157	1,125	1,077
Total Debt/Capital (%)	23.08	18.4	24.17	27.1	27.64	38.61	32.21	23.82	27	31.79	35.39	42.92	39.33	34.94	26.04
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	23.05
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.05
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.06
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.06
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	829
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	16
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.41
TTM Sales	124	119	134	150	196	193	210	206	202	223	235	272	250	233	270
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	49	- -	61	25	67	59	82	77	59	60	94	147	109	53	206
TTM Free Cash Flow to Firm	48	- -	60	24	65	59	81	73	57	56	91	145	107	50	204

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.07
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	12
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	22.4
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.05
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.83
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.08
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	11.52
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.82
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.04
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.96
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.1
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.84
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.05
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.98
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.12
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.86
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.05
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.84
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.24
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.49
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.72
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.25
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.26
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.79
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.33
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.32
EV/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.24
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	27.49
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	29.25
Enterprise Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-45
Enterprise Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	65
Enterprise Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-141

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	32	32	32	32	32	32	33	31	31	31	31	31	30	30	30
Diluted Weighted Avg Shares	21	32	32	32	32	32	32	32	31	30	31	31	30	30	30
Basic Weighted Avg Shares	20	32	32	32	32	32	32	32	31	30	31	30	30	30	30
Revenue per Share	6.06	3.78	4.21	4.73	6.13	6.03	6.53	6.41	6.55	7.32	7.71	8.94	8.21	7.75	9.01
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.37	2.86	1.26	1.56	1.69	1.76	1.7	1.81	1.06	1.39	3.23	3.33	2.63	2.06	2.54
Basic EPS from Cont Ops	1.37	2.85	1.25	1.58	1.69	1.76	1.7	1.81	1.06	1.39	3.23	3.33	2.63	2.06	2.54
Diluted EPS, GAAP	1.37	2.85	1.25	1.55	1.68	1.76	1.69	1.8	1.06	1.39	3.23	3.32	2.63	2.06	2.52
Diluted EPS from Cont Ops	1.37	2.85	1.25	1.56	1.68	1.76	1.69	1.8	1.06	1.39	3.23	3.32	2.63	2.06	2.52
Dividend per Share	- -	- -	0.14	0.21	0.4	0.8	0.8	0.96	0.97	0.52	0.54	0.94	1	1.01	1.09
Cash Flow per Share	2.4	1.67	1.91	0.8	2.08	1.85	2.54	2.39	1.91	1.98	3.07	4.84	3.6	1.74	6.87
Free Cash Flow per Basic Share	2.35	1.65	1.88	0.76	2.05	1.83	2.51	2.28	1.85	1.84	2.98	4.78	3.52	1.66	6.8
Cash & Equivalents per Share	17.83	22.74	22.27	38.05	26.87	20.46	22.5	23.52	24.45	37.15	49.78	39.41	38.31	39.93	36.43
Book Value per Share	9.03	11.97	12.55	14.15	15.39	16.36	17.28	17.8	18.22	18.71	21.08	20.83	23.02	24.15	26.53
Tangible Book Value per Share	8.99	11.92	12.51	14.09	15.33	15.96	16.89	17.4	17.83	18.33	20.7	20.46	22.66	23.79	26.17