HAFC (Hanmi Financial) Scaled Net Operating Assets: 0.05 (As of Jun. 2026)

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HAFC Hanmi Financial Corp HAFC
67 GF Score
Price $31.12
GF Value $27.98
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Hanmi Financial Scaled Net Operating Assets?

Hanmi Financial HAFC -0.19% 67 Scaled Net Operating Assets is 0.05 as of Jun. 2026. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Hanmi Financial's operating assets for the quarter that ended in Jun. 2026 was $7,488.3 Mil. Hanmi Financial's operating liabilities for the quarter that ended in Jun. 2026 was $7,058.0 Mil. Hanmi Financial's Total Assets for the quarter that ended in Mar. 2026 was $7,839.2 Mil. Therefore, Hanmi Financial's scaled net operating assets (SNOA) for the quarter that ended in Jun. 2026 was 0.05.

HAFC
67GF Score
Hanmi Financial Corp HAFC
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Hanmi Financial Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Hanmi Financial's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(7656.344-6792.336)/7677.925
=0.11

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=7869.185 - 212.841
=7656.344

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=7072.799 - 130.463 - 150
=6792.336

Hanmi Financial's Scaled Net Operating Assets (SNOA) for the quarter that ended in Jun. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Jun. 2026 )
=(Operating Assets (Q: Jun. 2026 )-Operating Liabilities (Q: Jun. 2026 ))/Total Assets (Q: Mar. 2026 )
=(7488.323-7058.02)/7839.227
=0.05

where

Operating Assets(Q: Jun. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=8001.473 - 513.15
=7488.323

Operating Liabilities(Q: Jun. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=7188.793 - 130.773 - 0
=7058.02

* 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.

What does a Scaled Net Operating Assets of 0.05 mean?
Hanmi Financial (HAFC) has a Scaled Net Operating Assets of 0.05 as of Jun. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Hanmi Financial and its competitors.
Is Hanmi Financial's Scaled Net Operating Assets too high?
Hanmi Financial's current Scaled Net Operating Assets is 0.05. 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 Scaled Net Operating Assets compare to MPB and FMCB?
Hanmi Financial's Scaled Net Operating Assets of 0.05 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Hanmi Financial and its competitors. Hanmi Financial's current Scaled Net Operating Assets is 0.05. 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 Scaled Net Operating Assets is 0.05. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Hanmi Financial (HAFC), the current Scaled Net Operating Assets is 0.05 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:

  • Scaled Net Operating Assets: 0.05
  • GF Value™: $27.98 vs. price of $31.12 (11.2% above fair value)
  • GF Score™: 67/100 with 6 warning signs

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 Business Description

Other Exchanges HF7N:Germany
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 HAFC

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$31.12
Price
$27.98
GF Value