Hanmi Financial Corporation cash flow to debt ratio of 73.45% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.

Hanmi Financial Corporation's free cash flow has increased 296.88% from $51.33M last year to $203.70M, signaling increasing performance

Hanmi Financial Corporation's debt to equity ratio is 0.16, which means that the company's assets are healthy financed, signaling financial stability.

Hanmi Financial Corporation's debt has decreased relative to shareholder equity from 0.54 last year to 0.16 today, signaling strengthened financials

Hanmi Financial Corporation has a net cash position, so leverage is healthy.

Hanmi Financial Corporation earns at least as much interest as it pays. Interest obligations are fully covered.

Hanmi Financial Corporation's profit margin has increased (59.95%) in the last year from 14.48% to 23.16%, signaling increasing performance

Hanmi Financial Corporation's short-term liabilities of $6.86B exceed its short-term assets of $1.12B, signaling financial risk

Hanmi Financial Corporation's return on assets of 1.12% is lower than the 5.00% threshold, indicating inefficient asset utilization

Hanmi Financial Corporation's return on equity of 11.20%, is lower than 15.00%, indicating bad performance

Hanmi Financial Corporation's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Hanmi Financial Corporation had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Hanmi Financial Corporation has positive free cash flow, indicating the company generates cash after capital expenditures

Hanmi Financial Corporation has a free cash flow yield of 21.60%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Hanmi Financial Corporation's yearly earnings has increased 22.33% since last year from $62.20M to $76.09M, signaling increasing performance

Hanmi Financial Corporation's yearly revenue has increased 3.55% since last year from $429.51M to $444.74M, signaling increasing performance

ROIC 4.74% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Hanmi Financial Corporation's 3-year revenue CAGR of 13.03% is positive, indicating growing revenue over the past 3 years

Hanmi Financial Corporation had revenue growth in 4 out of 5 years, indicating consistent revenue performance

Hanmi Financial Corporation had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Hanmi Financial Corporation is undervalued relative to its fair value price of 120.07 based on Discounted Cash Flow model

Hanmi Financial Corporation has an earnings yield of 9.53%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Hanmi Financial Corporation is overvalued relative to its fair value price of 24.34 based on EBITDA multiple model

Hanmi Financial Corporation has an EV/EBITDA ratio of 1.14x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Hanmi Financial Corporation is undervalued relative to its fair value price of 73.69 based on Earnings Fair Value model

Hanmi Financial Corporation has a PEG-ratio under 1 which is considered undervalued

Hanmi Financial Corporation has a price-to-book ratio of 1.15x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Hanmi Financial Corporation has a price-to-sales ratio of 2.43x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue