Hanmi FinancialHAFC -0.98%66 EV-to-FCF is 4.15 as of Jul. 07, 2026, which is 49% below its 10-year median of 8.09. GuruFocus rates HAFC with a GF Score™ of 66/100 and a GF Value™ of $26.53 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,195 Banks companies, Hanmi Financial ranks better than 60.5% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Hanmi Financial's Enterprise Value is $834.2 Mil.
Hanmi Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $201.0 Mil. Therefore, Hanmi Financial's EV-to-FCF for today is 4.15.
The historical rank and industry rank for Hanmi Financial's EV-to-FCF or its related term are showing as below:
HAFC'
s EV-to-FCF Range Over the Past 10 Years
Min: 0.62 Med: 8.09 Max: 75.24
Current: 4.15
During the past 13 years, the highest EV-to-FCF of Hanmi Financial was 75.24. The lowest was 0.62. And the median was 8.09.
HAFC's EV-to-FCF is ranked better than 60.5% of 1195
companies
in the Banks industry
Industry Median: 6.57
vs HAFC: 4.15
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Hanmi Financial's PE Ratio (TTM) for today is calculated as:
Hanmi Financial's share price for today is $32.17.
Hanmi Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.680.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Hanmi Financial EV-to-FCF Related Terms
Hanmi Financial EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Hanmi Financial's EV-to-FCF 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.
For the Banks - Regional subindustry, Hanmi Financial's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Hanmi Financial's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Hanmi Financial's EV-to-FCF falls into.
Hanmi Financial's current Enterprise Value is $834.2 Mil.
Hanmi Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $201.0 Mil.
* 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 EV-to-FCF of 4.15 as of Jul. 07, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Hanmi Financial and its competitors. This is 49% below median its historical median of 8.09. Over the past decade, Hanmi Financial's EV-to-FCF has ranged from 0.62 to 75.24. According to the industry distribution chart, Hanmi Financial ranks #472 out of 1195 companies in the Banks industry, placing it in the top 39.5%.
Is Hanmi Financial's EV-to-FCF too high?
Hanmi Financial's current EV-to-FCF of 4.15 is 49% below median its 10-year median of 8.09. Over the past 10 years, this metric has ranged from a low of 0.62 to a high of 75.24. The Banks industry median EV-to-FCF is 6.57. Hanmi Financial's value of 4.15 is 36.8% below this industry median. Based on the distribution chart, Hanmi Financial ranks #472 out of 1195 companies in the Banks industry, which is above the industry midpoint. Overall, Hanmi Financial has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hanmi Financial's EV-to-FCF compare to MBWM and WTBFA?
According to the Banks industry distribution chart, Hanmi Financial ranks #472 out of 1195 companies for EV-to-FCF. This puts Hanmi Financial in the upper half of its industry. The industry median EV-to-FCF is 6.57. Hanmi Financial's value of 4.15 is 36.8% below this benchmark. Historically, Hanmi Financial's own EV-to-FCF has ranged from 0.62 to 75.24 over the past decade. While the company's 10-year median is 8.09 vs. the industry median of 6.57, 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,195 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hanmi Financial's current EV-to-FCF of 4.15 is 36.8% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Hanmi Financial and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hanmi Financial's current EV-to-FCF is 4.15, which is 49% below median its own 10-year median of 8.09. 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 $26.53, compared to a current price of $32.17 — trading 21.3% above its estimated fair value. The current EV-to-FCF is 4.15, which is 49% below median its 10-year median of 8.09 and 36.8% below the Banks industry median of 6.57. Hanmi Financial's overall GF Score™ is 66/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Hanmi Financial (HAFC), the current EV-to-FCF is 4.15 as of Jul. 07, 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 $32.17 is trading 21.3% above its estimated GF Value™ of $26.53.
GuruFocus considers Hanmi Financial to be Modestly Overvalued.
Key valuation signals for HAFC:
EV-to-FCF: 4.15 (49% below median its 10-year median of 8.09)
GF Value™: $26.53 vs. price of $32.17 (21.3% above fair value)
Industry Position: 36.8% below the Banks median (#472 of 1195)
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.
66GF Score
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