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The historical data trend for Hanmi Financial's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Hanmi Financial's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Hanmi Financial's OCF 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 OCF Margin % of -12.22% as of Jun. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Hanmi Financial and its competitors. Over the past decade, Hanmi Financial's OCF Margin % has ranged from 22.51 to 76.25. According to the industry distribution chart, Hanmi Financial ranks #290 out of 1495 companies in the Banks industry, placing it in the top 19.4%.
Is Hanmi Financial's OCF Margin % too high?
Hanmi Financial's current OCF Margin % is -12.22%. Over the past 10 years, this metric has ranged from a low of 22.51 to a high of 76.25. Based on the distribution chart, Hanmi Financial ranks #290 out of 1495 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 OCF Margin % compare to MPB and FMCB?
According to the Banks industry distribution chart, Hanmi Financial ranks #290 out of 1495 companies for OCF Margin %. This places Hanmi Financial in the top 19% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 30.39. Historically, Hanmi Financial's own OCF Margin % has ranged from 22.51 to 76.25 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 30.39, based on 1,495 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Hanmi Financial and its competitors. For the Banks industry, the median OCF Margin % is 30.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hanmi Financial's current OCF Margin % is -12.22%. 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 OCF Margin % is -12.22%. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Hanmi Financial (HAFC), the current OCF Margin % is -12.22% 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:
OCF Margin %: -12.22%
GF Value™: $27.98 vs. price of $31.12 (11.2% above fair value)
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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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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