HAFC (Hanmi Financial) GF Value : $19.94 (As of Jun. 28, 2025)

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What is Hanmi Financial GF Value?

As of today (2025-06-28), Hanmi Financial's share price is $24.81. Hanmi Financial's GF Value is $19.94. Therefore, Hanmi Financial's Price-to-GF-Value for today is 1.24. Based on the relationship between the current stock price and the GF Value, GuruFocus believes Hanmi Financial is Modestly Overvalued.

The GF Value represents the intrinsic value of a stock, determined using GuruFocus' proprietary methodology. The GF Value Line on our stock Summary page provides an estimate of the stock’s fair-trading value.

To calculate this value, GuruFocus follows these steps:

We analyze historical correlations between the stock price and key business performance metrics, such as revenue, earnings, cash flow, and book value.
We identify the metrics that have the strongest historical correlation with the stock price and determine the historical multiples at which the stock has traded relative to these metrics.
Using these historical multiples as a reference, we estimate the stock's fair value while accounting for future business growth. Adjustments may be made based on the company’s past returns and growth trends.

GuruFocus believes that the GF Value Line represents the fair value at which a stock should trade. Stock prices typically fluctuate around this line. If a stock’s price is significantly above the GF Value Line, it is considered overvalued, and its future returns are likely to be lower. Conversely, if the stock price is significantly below the GF Value Line, its future returns are likely to be higher.

Hanmi Financial (NAS:HAFC) GF Value Explanation

Based on the relationship between the current stock price and the GF Value, GuruFocus provides the following 6 ratings:

Posssible Evaluations	All-in-One Screener Examples (1)
Possible Value Trap, Think Twice	Predictable Companies that possibly be Value Traps
Significantly Overvalued	Predictable Companies which are Significantly Overvalued
Modestly Overvalued	Predictable Companies which are Modestly Overvalued
Fairly Valued	Predictable High Quality Companies which are Fairly Valued
Modestly Undervalued (2)	Predictable High Quality Companies which are Modestly Undervalued
Significantly Undervalued (2)	Predictable High Quality Companies which are Significantly Undervalued

(1) These are some simple examples. You can access our GF Valuation filter under All-in-One Screener’s Fundamental tab, and Price-to-GF-Value filter under Valuation Ratio tab and set your own criteria.

(2) A sufficient margin of safety exists only when the stock is undervalued.

Possible Value Trap, Think Twice companies are those that appear significantly undervalued based on their Price-to-GF-Value ratio, but whose fundamentals show signs of weakness.

Indicators that a company may be a value trap include:

    * Deteriorating Financial Health: A low Altman Z-scores indicates a higher risk of bankruptcy, or a low Piotroski F-Score.
    * Earnings Manipulation: A high Beneish M-score indicates potential earnings manipulation, raising concerns about the reliability of reported financials.
    * Stagnant or Declining Growth: Lack of revenue or earnings growth, or a recent slowdown, may signal limited future prospects.

Investors should conduct thorough due diligence, examining financial statements and growth indicators, to avoid falling into value traps.

Hanmi Financial's Price-to-GF-Value for today is calculated as

Price-to-GF-Value	=	Share Price	/	GF Value
	=	24.81	/	19.94
	=	1.24

* 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 GF Value Related Terms

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Hanmi Financial Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Hanmi Financial Corp (NAS:HAFC) » Definitions » GF Value

Comparable Companies

Traded in Other Exchanges

N/A

Address

900 Wilshire Boulevard, Suite 1250, Los Angeles, CA, USA, 90017

Website

https://www.hanmi.com

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.

Executives

Romolo Santarosa	officer: SEVP, Corp. Finance & Strategy	6538 VERDE RIDGE ROAD, RANCHO PALOS VERDES CA 90275
Harry Chung	director	C/O IMPERIAL CAPITAL GROUP, INC., 2000 AVENUE OF THE STARS, 9TH FL. SOUTH, LOS ANGELES CA 90067
Michael Yang	director	3660 WILSHIRE BLVD., PH-A, LOS ANGELES CA 90010
Gloria J Lee	director	900 WILSHIRE BLVD., SUITE 1250, LOS ANGELES CA 90017
Joseph Pangrazio	officer: Chief Accounting Officer	900 WILSHIRE BLVD., SUITE 1250, LOS ANGELES CA 90017
Gideon Yu	director	3660 WILSHIRE BLVD., PH-A, LOS ANGELES CA 90010
John J Ahn	director	150 SOUTH FIFTH STREET, SUITE 1360, MINNEAPOLIS MN 55402
Patrick M Carr	officer: Chief Accounting Officer	3660 WILSHIRE BLVD., PH-A, LOS ANGELES CA 90010
Bonita Lee	officer: SEVP & Chief Operating Officer	3731 WILSHIRE BLVD, SUITE 1000, LOS ANGELES CA 90010
David L Rosenblum	director	3660 WILSHIRE BLVD., PH-A, LOS ANGELES CA 90010
Anthony I. Kim	officer: Chief Banking Officer	3660 WILSHIRE BLVD., PH-A, LOS ANGELES CA 90010
Michael Du	officer: Chief Risk Officer	3660 WILSHIRE BLVD., PH-A, LOS ANGELES CA 90010
Joseph K Rho	director	3660 WILSHIRS BLVD PH-A, LOS ANGELES CA 90010
Scott Diehl	director	3660 WILSHIRE BLVD., PH-A, LOS ANGELES CA 90010
Kiho Choi	director	3435 WILSHIRE BLVD., SUITE 2240, LOS ANGELES CA 90010