Hanmi FinancialHAFC +0.41%66 FCF Margin % is 32.59% as of Mar. 2026, which is 12% below its 10-year median of 36.97. GuruFocus rates HAFC with a GF Score™ of 66/100 and a GF Value™ of $26.43 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,504 Banks companies, Hanmi Financial ranks better than 80.39% on this metric.
The historical rank and industry rank for Hanmi Financial's FCF Margin % or its related term are showing as below:
HAFC'
s FCF Margin % Range Over the Past 10 Years
Min: 21.39 Med: 36.97 Max: 75.4
Current: 72.01
During the past 13 years, the highest FCF Margin % of Hanmi Financial was 75.40%. The lowest was 21.39%. And the median was 36.97%.
HAFC's FCF Margin % is ranked better than 80.39% of 1504
companies
in the Banks industry
Industry Median: 26.5
vs HAFC: 72.01
Hanmi Financial FCF Margin % Related Terms
Hanmi Financial FCF Margin % Historical Data
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The historical data trend for Hanmi Financial's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Hanmi Financial's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Hanmi Financial's FCF Margin % 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 FCF Margin % of 32.59% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Hanmi Financial and its competitors. This is 12% below median its historical median of 36.97. Over the past decade, Hanmi Financial's FCF Margin % has ranged from 21.39 to 75.40. According to the industry distribution chart, Hanmi Financial ranks #295 out of 1504 companies in the Banks industry, placing it in the top 19.6%.
Is Hanmi Financial's FCF Margin % too high?
Hanmi Financial's current FCF Margin % of 32.59% is 12% below median its 10-year median of 36.97. Over the past 10 years, this metric has ranged from a low of 21.39 to a high of 75.40. The Banks industry median FCF Margin % is 26.50. Hanmi Financial's value of 32.59% is 23% above this industry median. Based on the distribution chart, Hanmi Financial ranks #295 out of 1504 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 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hanmi Financial's FCF Margin % compare to CPF and FSBC?
According to the Banks industry distribution chart, Hanmi Financial ranks #295 out of 1504 companies for FCF Margin %. This places Hanmi Financial in the top 20% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.50. Hanmi Financial's value of 32.59% is 23% above this benchmark. Historically, Hanmi Financial's own FCF Margin % has ranged from 21.39 to 75.40 over the past decade. While the company's 10-year median is 36.97 vs. the industry median of 26.50, Hanmi Financial has consistently been above 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hanmi Financial's current FCF Margin % of 32.59% is 23% above 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Hanmi Financial and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hanmi Financial's current FCF Margin % is 32.59%, which is 12% below median its own 10-year median of 36.97. 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 $26.43, compared to a current price of $32.11 — trading 21.5% above its estimated fair value. The current FCF Margin % is 32.59%, which is 12% below median its 10-year median of 36.97 and 23% above the Banks industry median of 26.50. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Hanmi Financial (HAFC), the current FCF Margin % is 32.59% as of Mar. 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 $32.11 is trading 21.5% above its estimated GF Value™ of $26.43.
GuruFocus considers Hanmi Financial to be Modestly Overvalued.
Key valuation signals for HAFC:
FCF Margin %: 32.59% (12% below median its 10-year median of 36.97)
GF Value™: $26.43 vs. price of $32.11 (21.5% above fair value)
Industry Position: 23% above the Banks median (#295 of 1504)
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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