Hanmi Financial (FRA:HF7N) Margin of Safety % (DCF Earnings Based): 13.89% (As of Aug. 23, 2026)

Author: Vera Yuan Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:HF7N Hanmi Financial Corp FRA:HF7N
67 GF Score
Price €26.40
GF Value €23.74
! 6 Warning Signs
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What is Hanmi Financial Margin of Safety % (DCF Earnings Based)?

Hanmi Financial FRA:HF7N 67 Margin of Safety % (DCF Earnings Based) is 13.89% as of Aug. 23, 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.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-08-23), Hanmi Financial's Predictability Rank is 4.5-Stars. Hanmi Financial's intrinsic value calculated from the Discounted Earnings model is €30.66 and current share price is €26.40. Consequently,

Hanmi Financial's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is 13.89%.

FRA:HF7N vs MPB, FMCB, SBNC: Margin of Safety % (DCF Earnings Based) Comparison

For the Banks - Regional subindustry, Hanmi Financial's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) vs Banks Industry

For the Banks industry and Financial Services sector, Hanmi Financial's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where Hanmi Financial's Margin of Safety % (DCF Earnings Based) falls into.


FRA:HF7N
67GF Score
Hanmi Financial Corp FRA:HF7N
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Hanmi Financial Margin of Safety % (DCF Earnings Based) Calculation

Hanmi Financial's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(30.66-26.40)/30.66
=13.89 %

* 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.

The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of 13.89% mean?
Hanmi Financial (FRA:HF7N) has a Margin of Safety % (DCF Earnings Based) of 13.89% as of Aug. 23, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Hanmi Financial.
Is Hanmi Financial's Margin of Safety % (DCF Earnings Based) too high?
Hanmi Financial's current Margin of Safety % (DCF Earnings Based) is 13.89%. 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 Margin of Safety % (DCF Earnings Based) compare to MPB and FMCB?
Hanmi Financial's Margin of Safety % (DCF Earnings Based) of 13.89% 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 Margin of Safety % (DCF Earnings Based) for a Banks company?
A good Margin of Safety % (DCF Earnings Based) depends on the Banks industry context. However, Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Hanmi Financial. Hanmi Financial's current Margin of Safety % (DCF Earnings Based) is 13.89%. 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 Margin of Safety % (DCF Earnings Based) of 13.89%. 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 Margin of Safety % (DCF Earnings Based) is 13.89%. 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 Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For Hanmi Financial (FRA:HF7N), the current Margin of Safety % (DCF Earnings Based) is 13.89% as of Aug. 23, 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:

  • Margin of Safety % (DCF Earnings Based): 13.89%
  • 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

Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€26.40
Price
€23.74
GF Value