Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Hanmi FinancialHAFC -0.19%67 Debt-to-Equity is 0.16 as of Jun. 2026, which is 64% below its 10-year median of 0.44. GuruFocus rates HAFC with a GF Score™ of 67/100 and a GF Value™ of $27.98 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,416 Banks companies, Hanmi Financial ranks better than 81.92% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Hanmi Financial's Debt-to-Equity or its related term are showing as below:
HAFC'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.14 Med: 0.44 Max: 0.76
Current: 0.16
During the past 13 years, the highest Debt-to-Equity Ratio of Hanmi Financial was 0.76. The lowest was 0.14. And the median was 0.44.
HAFC's Debt-to-Equity is ranked better than 81.92% of 1416
companies
in the Banks industry
Industry Median: 0.58
vs HAFC: 0.16
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Hanmi Financial Debt-to-Equity Related Terms
Hanmi Financial Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Hanmi Financial's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
HAFC vs MPB, FMCB, SBNC: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Hanmi Financial's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Hanmi Financial Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Hanmi Financial's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Hanmi Financial's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Hanmi Financial (HAFC) has a Debt-to-Equity of 0.16 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Hanmi Financial and its competitors. This is 64% below median its historical median of 0.44. Over the past decade, Hanmi Financial's Debt-to-Equity has ranged from 0.14 to 0.76. According to the industry distribution chart, Hanmi Financial ranks #256 out of 1416 companies in the Banks industry, placing it in the top 18.1%.
Is Hanmi Financial's Debt-to-Equity too high?
Hanmi Financial's current Debt-to-Equity of 0.16 is 64% below median its 10-year median of 0.44. Over the past 10 years, this metric has ranged from a low of 0.14 to a high of 0.76. The Banks industry median Debt-to-Equity is 0.58. Hanmi Financial's value of 0.16 is 72.4% below this industry median. Based on the distribution chart, Hanmi Financial ranks #256 out of 1416 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Hanmi Financial has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hanmi Financial's Debt-to-Equity compare to MPB and FMCB?
According to the Banks industry distribution chart, Hanmi Financial ranks #256 out of 1416 companies for Debt-to-Equity. This places Hanmi Financial in the top 18% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.58. Hanmi Financial's value of 0.16 is 72.4% below this benchmark. Historically, Hanmi Financial's own Debt-to-Equity has ranged from 0.14 to 0.76 over the past decade. While the company's 10-year median is 0.44 vs. the industry median of 0.58, Hanmi Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,416 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hanmi Financial's current Debt-to-Equity of 0.16 is 72.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Hanmi Financial and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hanmi Financial's current Debt-to-Equity is 0.16, which is 64% below median its own 10-year median of 0.44. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hanmi Financial stock overvalued right now?
Based on GuruFocus' analysis, Hanmi Financial (HAFC) is currently considered Modestly Overvalued. The stock's GF Value™ is $27.98, compared to a current price of $31.12 — trading 11.2% above its estimated fair value. The current Debt-to-Equity is 0.16, which is 64% below median its 10-year median of 0.44 and 72.4% below the Banks industry median of 0.58. Hanmi Financial's overall GF Score™ is 67/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Hanmi Financial (HAFC), the current Debt-to-Equity is 0.16 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Hanmi Financial (HAFC) Overvalued in 2026?
Based on GuruFocus' analysis, Hanmi Financial stock appears to be overvalued.
The current stock price of $31.12 is trading 11.2% above its estimated GF Value™ of $27.98.
GuruFocus considers Hanmi Financial to be Modestly Overvalued.
Key valuation signals for HAFC:
Debt-to-Equity: 0.16 (64% below median its 10-year median of 0.44)
GF Value™: $27.98 vs. price of $31.12 (11.2% above fair value)
Industry Position: 72.4% below the Banks median (#256 of 1416)
No single metric tells the full story. See the HAFC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hanmi Financial Corp is a Los Angeles-based bank that caters to Korean-Americans and other multi-ethnic communities across California, Colorado, Georgia, Illinois, New Jersey, New York, Texas, Virginia, and Washington. The bank mainly focuses on small businesses and commercial and real estate loans. It also offers a variety of international finance and trade services and products, including letters of credit, import financing, and export financing. The Bank's revenues are derived from interest and fees on loans, interest, and dividends on the securities portfolio, service charges on deposit accounts, and sales of SBA loans.
67GF Score
Get the complete analysis for HAFC
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
HAFC has been successfully added to your 
