Hanmi Financial (FRA:HF7N) E10: €2.26 (As of Jun. 2026)

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FRA:HF7N Hanmi Financial Corp FRA:HF7N
67 GF Score
Price €26.40
GF Value €23.74
! 6 Warning Signs
View Full Analysis

What is Hanmi Financial E10?

Hanmi Financial FRA:HF7N 67 E10 is €2.26 as of Jun. 2026. GuruFocus rates FRA:HF7N with a GF Score™ of 67/100 and a GF Value™ of €23.74. The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Hanmi Financial's adjusted earnings per share data for the three months ended in Jun. 2026 was €0.686. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €2.26 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Hanmi Financial's average E10 Growth Rate was 5.70% per year. During the past 3 years, the average E10 Growth Rate was 4.70% per year. During the past 5 years, the average E10 Growth Rate was 6.40% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Hanmi Financial was 188.90% per year. The lowest was -133.30% per year. And the median was -8.00% per year.

As of today (2026-08-23), Hanmi Financial's current stock price is €26.40. Hanmi Financial's E10 for the quarter that ended in Jun. 2026 was €2.26. Hanmi Financial's Shiller PE Ratio of today is 11.68.

During the past 13 years, the highest Shiller PE Ratio of Hanmi Financial was 221.00. The lowest was 4.73. And the median was 10.08.


Hanmi Financial  (FRA:HF7N) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Hanmi Financial's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=26.40/2.26
=11.68

* 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.

During the past 13 years, the highest Shiller P/E Ratio of Hanmi Financial was 221.00. The lowest was 4.73. And the median was 10.08.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Hanmi Financial E10 Related Terms


Hanmi Financial E10 Historical Data

* Premium members only.

The historical data trend for Hanmi Financial's E10 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.

Hanmi Financial E10 Chart

Hanmi Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.82 2.03 2.16 2.29 2.14

Hanmi Financial Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.09 2.10 2.14 2.19 2.26

FRA:HF7N vs MPB, FMCB, SBNC: E10 Comparison

For the Banks - Regional subindustry, Hanmi Financial's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Hanmi Financial's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Hanmi Financial's Shiller PE Ratio falls into.


FRA:HF7N
67GF Score
Hanmi Financial Corp FRA:HF7N
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Hanmi Financial E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Hanmi Financial's adjusted earnings per share data for the three months ended in Jun. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=0.686/333.9520*333.9520
=0.686

Current CPI (Jun. 2026) = 333.9520.

Hanmi Financial Quarterly Data

per share eps CPI Adj_EPS
201609 0.365 241.428 0.505
201612 0.427 241.432 0.591
201703 0.402 243.801 0.551
201706 0.401 244.955 0.547
201709 0.386 246.819 0.522
201712 0.304 246.524 0.412
201803 0.373 249.554 0.499
201806 0.411 251.989 0.545
201809 0.429 252.439 0.568
201812 0.325 251.233 0.432
201903 0.425 254.202 0.558
201906 0.080 256.143 0.104
201909 0.363 256.759 0.472
201912 0.090 256.974 0.117
202003 0.072 258.115 0.093
202006 0.266 257.797 0.345
202009 0.450 260.280 0.577
202012 0.386 260.474 0.495
202103 0.454 264.877 0.572
202106 0.598 271.696 0.735
202109 0.731 274.310 0.890
202112 0.974 278.802 1.167
202203 0.617 287.504 0.717
202206 0.776 296.311 0.875
202209 0.899 296.808 1.012
202212 0.878 296.797 0.988
202303 0.672 301.836 0.744
202306 0.618 305.109 0.676
202309 0.581 307.789 0.630
202312 0.559 306.746 0.609
202403 0.460 312.332 0.492
202406 0.446 314.175 0.474
202409 0.441 315.301 0.467
202412 0.554 315.605 0.586
202503 0.536 319.799 0.560
202506 0.433 322.561 0.448
202509 0.622 324.800 0.640
202512 0.598 324.054 0.616
202603 0.649 330.213 0.656
202606 0.686 333.952 0.686

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of €2.26 mean?
Hanmi Financial (FRA:HF7N) has a E10 of €2.26 as of Jun. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Hanmi Financial and its competitors.
Is Hanmi Financial's E10 too high?
Hanmi Financial's current E10 is €2.26. Overall, Hanmi Financial has a GF Score™ of 67/100, reflecting its overall financial health beyond just this single metric.
How does Hanmi Financial's E10 compare to MPB and FMCB?
Hanmi Financial's E10 of €2.26 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Hanmi Financial and its competitors. Hanmi Financial's current E10 is €2.26. 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?
Hanmi Financial (FRA:HF7N) has a current E10 of €2.26. The stock's GF Value™ is €23.74, compared to a current price of €26.40 — trading 11.2% above its estimated fair value. The current E10 is €2.26. 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 E10 calculated?
E10 is calculated from a company's financial statements. For Hanmi Financial (FRA:HF7N), the current E10 is €2.26 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 (FRA:HF7N) Overvalued in 2026?

Based on GuruFocus' analysis, Hanmi Financial stock appears to be overvalued. The current stock price of €26.40 is trading 11.2% above its estimated GF Value™ of €23.74.

Key valuation signals for FRA:HF7N:

  • E10: €2.26
  • GF Value™: €23.74 vs. price of €26.40 (11.2% above fair value)
  • GF Score™: 67/100 with 6 warning signs

No single metric tells the full story. See the FRA:HF7N stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Hanmi Financial Business Description

Other Exchanges HAFC:USA
Address 900 Wilshire Boulevard, Suite 1250, Los Angeles, CA, USA, 90017
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 FRA:HF7N

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€26.40
Price
€23.74
GF Value