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Hanmi FinancialHAFC -0.19%67 FCF Yield % is 22.77 as of Aug. 22, 2026, which is 94% above its 10-year median of 11.72. 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 1,497 Banks companies, Hanmi Financial ranks better than 78.96% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Hanmi Financial FCF Yield % Related Terms
Hanmi Financial FCF Yield % Historical Data
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The historical data trend for Hanmi Financial's FCF Yield % 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 Yield %, along with its competitors' market caps and FCF Yield % 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 Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Hanmi Financial's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Hanmi Financial's FCF Yield % 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 Yield % of 22.77 as of Aug. 22, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Hanmi Financial and its competitors. This is 94% above median its historical median of 11.72. Over the past decade, Hanmi Financial's FCF Yield % has ranged from 1.42 to 38.51. According to the industry distribution chart, Hanmi Financial ranks #315 out of 1497 companies in the Banks industry, placing it in the top 21%.
Is Hanmi Financial's FCF Yield % too high?
Hanmi Financial's current FCF Yield % of 22.77 is 94% above median its 10-year median of 11.72. Over the past 10 years, this metric has ranged from a low of 1.42 to a high of 38.51. The Banks industry median FCF Yield % is 8.15. Hanmi Financial's value of 22.77 is 179.4% above this industry median. Based on the distribution chart, Hanmi Financial ranks #315 out of 1497 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 FCF Yield % compare to MPB and FMCB?
According to the Banks industry distribution chart, Hanmi Financial ranks #315 out of 1497 companies for FCF Yield %. This places Hanmi Financial in the top 21% of its industry — outperforming the majority of peers. The industry median FCF Yield % is 8.15. Hanmi Financial's value of 22.77 is 179.4% above this benchmark. Historically, Hanmi Financial's own FCF Yield % has ranged from 1.42 to 38.51 over the past decade. While the company's 10-year median is 11.72 vs. the industry median of 8.15, 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 Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.15, based on 1,497 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hanmi Financial's current FCF Yield % of 22.77 is 179.4% 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 Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Hanmi Financial and its competitors. For the Banks industry, the median FCF Yield % is 8.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hanmi Financial's current FCF Yield % is 22.77, which is 94% above median its own 10-year median of 11.72. 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 FCF Yield % is 22.77, which is 94% above median its 10-year median of 11.72 and 179.4% above the Banks industry median of 8.15. 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 FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Hanmi Financial (HAFC), the current FCF Yield % is 22.77 as of Aug. 22, 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:
FCF Yield %: 22.77 (94% above median its 10-year median of 11.72)
GF Value™: $27.98 vs. price of $31.12 (11.2% above fair value)
Industry Position: 179.4% above the Banks median (#315 of 1497)
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
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