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.
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.
Hanmi FinancialFRA:HF7N 67 Pretax Margin % is 44.29% as of Jun. 2026, which is 3% above its 10-year median of 43.09. 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. Among 1,526 Banks companies, Hanmi Financial ranks better than 69.2% on this metric.
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Hanmi Financial Pretax Margin % Related Terms
Hanmi Financial Pretax Margin % Historical Data
* Premium members only.
The historical data trend for Hanmi Financial's Pretax 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.
FRA:HF7N vs MPB, FMCB, SBNC: Pretax Margin % Comparison
For the Banks - Regional subindustry, Hanmi Financial's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Hanmi Financial's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Hanmi Financial's Pretax 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 (FRA:HF7N) has a Pretax Margin % of 44.29% as of Jun. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Hanmi Financial and its competitors. This is near median its historical median of 43.09. Over the past decade, Hanmi Financial's Pretax Margin % has ranged from 23.42 to 57.61. According to the industry distribution chart, Hanmi Financial ranks #470 out of 1526 companies in the Banks industry, placing it in the top 30.8%.
Is Hanmi Financial's Pretax Margin % too high?
Hanmi Financial's current Pretax Margin % of 44.29% is near median its 10-year median of 43.09. Over the past 10 years, this metric has ranged from a low of 23.42 to a high of 57.61. The Banks industry median Pretax Margin % is 35.60. Hanmi Financial's value of 44.29% is 24.4% above this industry median. Based on the distribution chart, Hanmi Financial ranks #470 out of 1526 companies in the Banks industry, which is above the industry midpoint. 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 Pretax Margin % compare to MPB and FMCB?
According to the Banks industry distribution chart, Hanmi Financial ranks #470 out of 1526 companies for Pretax Margin %. This puts Hanmi Financial in the upper half of its industry. The industry median Pretax Margin % is 35.60. Hanmi Financial's value of 44.29% is 24.4% above this benchmark. Historically, Hanmi Financial's own Pretax Margin % has ranged from 23.42 to 57.61 over the past decade. While the company's 10-year median is 43.09 vs. the industry median of 35.60, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 35.60, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hanmi Financial's current Pretax Margin % of 44.29% is 24.4% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Hanmi Financial and its competitors. For the Banks industry, the median Pretax Margin % is 35.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hanmi Financial's current Pretax Margin % is 44.29%, which is near median its own 10-year median of 43.09. 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 Pretax Margin % of 44.29%. 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 Pretax Margin % is 44.29%, which is near median its 10-year median of 43.09 and 24.4% above the Banks industry median of 35.60. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Hanmi Financial (FRA:HF7N), the current Pretax Margin % is 44.29% 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 (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:
Pretax Margin %: 44.29% (near median its 10-year median of 43.09)
GF Value™: €23.74 vs. price of €26.40 (11.2% above fair value)
Industry Position: 24.4% above the Banks median (#470 of 1526)
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 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
Pretax Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:HF7N has been successfully added to your 
