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Hanmi FinancialHAFC -0.19%67 Return-on-Tangible-Equity is 11.80% as of Jun. 2026, which is 13% above its 10-year median of 10.43. 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 1,520 Banks companies, Hanmi Financial ranks better than 50.13% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Hanmi Financial's annualized net income for the quarter that ended in Jun. 2026 was $94.0 Mil. Hanmi Financial's average shareholder tangible equity for the quarter that ended in Jun. 2026 was $796.7 Mil. Therefore, Hanmi Financial's annualized Return-on-Tangible-Equity for the quarter that ended in Jun. 2026 was 11.80%.
The historical rank and industry rank for Hanmi Financial's Return-on-Tangible-Equity or its related term are showing as below:
HAFC'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 6.01 Med: 10.43 Max: 16.48
Current: 11.46
During the past 13 years, Hanmi Financial's highest Return-on-Tangible-Equity was 16.48%. The lowest was 6.01%. And the median was 10.43%.
HAFC's Return-on-Tangible-Equity is ranked better than 50.13% of 1520
companies
in the Banks industry
Industry Median: 11.44
vs HAFC: 11.46
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Hanmi Financial Return-on-Tangible-Equity Related Terms
Hanmi Financial Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Hanmi Financial's Return-on-Tangible-Equity 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.
HAFC vs MPB, FMCB, SBNC: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Hanmi Financial's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Hanmi Financial's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Hanmi Financial's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Jun. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 11.80% mean?
Hanmi Financial (HAFC) has a Return-on-Tangible-Equity of 11.80% as of Jun. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Hanmi Financial and its competitors. This is 13% above median its historical median of 10.43. Over the past decade, Hanmi Financial's Return-on-Tangible-Equity has ranged from 6.01 to 16.48. According to the industry distribution chart, Hanmi Financial ranks #758 out of 1520 companies in the Banks industry, placing it in the top 49.9%.
Is Hanmi Financial's Return-on-Tangible-Equity too high?
Hanmi Financial's current Return-on-Tangible-Equity of 11.80% is 13% above median its 10-year median of 10.43. Over the past 10 years, this metric has ranged from a low of 6.01 to a high of 16.48. The Banks industry median Return-on-Tangible-Equity is 11.44. Hanmi Financial's value of 11.80% is 3.1% above this industry median. Based on the distribution chart, Hanmi Financial ranks #758 out of 1520 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 Return-on-Tangible-Equity compare to MPB and FMCB?
According to the Banks industry distribution chart, Hanmi Financial ranks #758 out of 1520 companies for Return-on-Tangible-Equity. This puts Hanmi Financial in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.44. Hanmi Financial's value of 11.80% is 3.1% above this benchmark. Historically, Hanmi Financial's own Return-on-Tangible-Equity has ranged from 6.01 to 16.48 over the past decade. While the company's 10-year median is 10.43 vs. the industry median of 11.44, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.44, based on 1,520 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hanmi Financial's current Return-on-Tangible-Equity of 11.80% is 3.1% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Hanmi Financial and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hanmi Financial's current Return-on-Tangible-Equity is 11.80%, which is 13% above median its own 10-year median of 10.43. 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 Return-on-Tangible-Equity is 11.80%, which is 13% above median its 10-year median of 10.43 and 3.1% above the Banks industry median of 11.44. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Hanmi Financial (HAFC), the current Return-on-Tangible-Equity is 11.80% 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:
Return-on-Tangible-Equity: 11.80% (13% above median its 10-year median of 10.43)
GF Value™: $27.98 vs. price of $31.12 (11.2% above fair value)
Industry Position: 3.1% above the Banks median (#758 of 1520)
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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