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Hanmi FinancialHAFC -0.19%67 Net Margin % is 32.55% as of Jun. 2026, which is 16% above its 10-year median of 28.16. 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 1,525 Banks companies, Hanmi Financial ranks better than 63.34% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Hanmi Financial's Net Income for the
three
months ended in Jun. 2026 was $23.5 Mil. Hanmi Financial's Revenue for the
three
months ended in Jun. 2026 was $72.2 Mil. Therefore, Hanmi Financial's net margin for the quarter that ended in Jun. 2026 was 32.55%.
The historical rank and industry rank for Hanmi Financial's Net Margin % or its related term are showing as below:
HAFC'
s Net Margin % Range Over the Past 10 Years
Min: 16.22 Med: 28.16 Max: 41.96
Current: 31.24
HAFC's Net Margin % is ranked better than 63.34% of 1525
companies
in the Banks industry
Industry Median: 27.29
vs HAFC: 31.24
Hanmi Financial (NAS:HAFC) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Hanmi Financial Net Margin % Related Terms
Hanmi Financial Net Margin % Historical Data
* Premium members only.
The historical data trend for Hanmi Financial's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Hanmi Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where Hanmi Financial's Net 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 Net Margin % of 32.55% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on Hanmi Financial and its competitors. This is 16% above median its historical median of 28.16. Over the past decade, Hanmi Financial's Net Margin % has ranged from 16.22 to 41.96. According to the industry distribution chart, Hanmi Financial ranks #559 out of 1525 companies in the Banks industry, placing it in the top 36.7%.
Is Hanmi Financial's Net Margin % too high?
Hanmi Financial's current Net Margin % of 32.55% is 16% above median its 10-year median of 28.16. Over the past 10 years, this metric has ranged from a low of 16.22 to a high of 41.96. The Banks industry median Net Margin % is 27.29. Hanmi Financial's value of 32.55% is 19.3% above this industry median. Based on the distribution chart, Hanmi Financial ranks #559 out of 1525 companies in the Banks industry, which is above the industry midpoint. 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 Net Margin % compare to MPB and FMCB?
According to the Banks industry distribution chart, Hanmi Financial ranks #559 out of 1525 companies for Net Margin %. This puts Hanmi Financial in the upper half of its industry. The industry median Net Margin % is 27.29. Hanmi Financial's value of 32.55% is 19.3% above this benchmark. Historically, Hanmi Financial's own Net Margin % has ranged from 16.22 to 41.96 over the past decade. While the company's 10-year median is 28.16 vs. the industry median of 27.29, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.29, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hanmi Financial's current Net Margin % of 32.55% is 19.3% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Hanmi Financial and its competitors. For the Banks industry, the median Net Margin % is 27.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hanmi Financial's current Net Margin % is 32.55%, which is 16% above median its own 10-year median of 28.16. 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 Net Margin % is 32.55%, which is 16% above median its 10-year median of 28.16 and 19.3% above the Banks industry median of 27.29. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Hanmi Financial (HAFC), the current Net Margin % is 32.55% as of Jun. 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:
Net Margin %: 32.55% (16% above median its 10-year median of 28.16)
GF Value™: $27.98 vs. price of $31.12 (11.2% above fair value)
Industry Position: 19.3% above the Banks median (#559 of 1525)
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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