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Hanmi Financial Corp. (HAFC)
NASDAQ:HAFC
US Market
HAFC
Hanmi Financial
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Hanmi Financial (HAFC) Ratios

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Hanmi Financial Ratios

HAFC's free cash flow for Q4 2025 was $0.61. For the 2025 fiscal year, HAFC's free cash flow was decreased by $ and operating cash flow was $0.27. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 49.21 0.19 0.19 0.30
Quick Ratio
 0.00 49.21 0.19 0.19 0.30
Cash Ratio
 0.00 1.38 0.05 0.05 0.05
Solvency Ratio
 0.01 0.01 <0.01 0.01 0.02
Operating Cash Flow Ratio
 0.00 1.33 <0.01 0.02 0.02
Short-Term Operating Cash Flow Coverage
 0.00 1.37 0.24 0.43 0.49
Net Current Asset Value
$ -5.92B$ 538.60M$ -5.67B$ -5.64B$ -4.80B
Leverage Ratios
Debt-to-Assets Ratio
 0.02 0.04 0.05 0.06 0.06
Debt-to-Equity Ratio
 0.16 0.35 0.54 0.65 0.75
Debt-to-Capital Ratio
 0.14 0.26 0.35 0.39 0.43
Long-Term Debt-to-Capital Ratio
 0.14 0.14 0.19 0.23 0.22
Financial Leverage Ratio
 9.76 9.88 10.49 10.79 11.57
Debt Service Coverage Ratio
 0.43 0.25 0.16 0.22 0.34
Interest Coverage Ratio
 0.62 0.62 0.45 0.77 3.89
Debt to Market Cap
 0.15 0.35 0.55 0.77 0.64
Interest Debt Per Share
 10.13 15.25 19.63 19.92 17.02
Net Debt to EBITDA
 -1.17 0.60 0.93 1.26 0.83
Profitability Margins
Gross Profit Margin
58.77%57.46%53.34%61.67%87.99%
EBIT Margin
23.83%24.27%20.63%28.82%45.69%
EBITDA Margin
24.03%25.54%22.13%30.53%49.71%
Operating Profit Margin
23.83%24.27%20.63%28.82%45.69%
Pretax Profit Margin
25.77%24.27%20.63%28.82%45.69%
Net Profit Margin
18.42%17.11%14.48%20.13%32.92%
Continuous Operations Profit Margin
18.42%17.11%14.48%20.13%32.92%
Net Income Per EBT
71.47%70.50%70.20%69.86%72.05%
EBT Per EBIT
108.15%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.03%0.97%0.81%1.06%1.37%
Return on Equity (ROE)
10.31%9.55%8.50%11.40%15.90%
Return on Capital Employed (ROCE)
1.34%1.40%9.02%11.45%17.22%
Return on Invested Capital (ROIC)
6.54%1.00%5.15%6.40%9.08%
Return on Tangible Assets
1.03%0.97%0.81%1.06%1.38%
Earnings Yield
9.16%9.43%8.77%13.63%13.52%
Efficiency Ratios
Receivables Turnover
 18.85 0.07 6.33 6.78 0.47
Payables Turnover
 0.00 5.44 5.76 3.88 4.75
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 21.96 21.82 20.07 18.10 13.48
Asset Turnover
 0.06 0.06 0.06 0.05 0.04
Working Capital Turnover Ratio
 0.10 0.44 -0.08 -0.08 -0.07
Cash Conversion Cycle
 19.36 5.28K -5.77 -40.34 696.97
Days of Sales Outstanding
 19.36 5.35K 57.65 53.80 773.84
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 67.11 63.42 94.14 76.86
Operating Cycle
 19.36 5.35K 57.65 53.80 773.84
Cash Flow Ratios
Operating Cash Flow Per Share
 6.95 6.90 1.80 3.56 4.86
Free Cash Flow Per Share
 6.87 6.82 1.71 3.48 4.80
CapEx Per Share
 0.08 0.08 0.09 0.08 0.06
Free Cash Flow to Operating Cash Flow
 0.99 0.99 0.95 0.98 0.99
Dividend Paid and CapEx Coverage Ratio
 5.87 5.90 1.63 3.27 4.82
Capital Expenditure Coverage Ratio
 82.83 89.30 20.59 44.56 76.48
Operating Cash Flow Coverage Ratio
 1.58 0.73 0.14 0.24 0.31
Operating Cash Flow to Sales Ratio
 0.47 0.46 0.13 0.27 0.48
Free Cash Flow Yield
22.92%25.24%7.24%17.95%19.39%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 11.02 10.60 11.40 7.34 7.40
Price-to-Sales (P/S) Ratio
 2.05 1.81 1.65 1.48 2.43
Price-to-Book (P/B) Ratio
 1.11 1.01 0.97 0.84 1.18
Price-to-Free Cash Flow (P/FCF) Ratio
 4.43 3.96 13.82 5.57 5.16
Price-to-Operating Cash Flow Ratio
 4.33 3.92 13.14 5.45 5.09
Price-to-Earnings Growth (PEG) Ratio
 0.42 0.46 -0.54 -0.35 2.16
Price-to-Fair Value
 1.11 1.01 0.97 0.84 1.18
Enterprise Value Multiple
 7.36 7.70 8.39 6.10 5.73
Enterprise Value
 764.70M 874.53M 797.41M 739.93M 876.89M
EV to EBITDA
 7.24 7.70 8.39 6.10 5.73
EV to Sales
 1.74 1.97 1.86 1.86 2.85
EV to Free Cash Flow
 3.76 4.29 15.54 7.02 6.03
EV to Operating Cash Flow
 3.71 4.25 14.78 6.86 5.95
Tangible Book Value Per Share
 26.72 26.31 24.02 22.82 20.67
Shareholders’ Equity Per Share
 27.10 26.68 24.39 23.19 21.04
Tax and Other Ratios
Effective Tax Rate
 0.29 0.29 0.30 0.30 0.28
Revenue Per Share
 14.84 14.90 14.31 13.13 10.17
Net Income Per Share
 2.73 2.55 2.07 2.64 3.35
Tax Burden
 0.71 0.71 0.70 0.70 0.72
Interest Burden
 1.08 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.20 0.02 0.20 0.20 0.25
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
 2.71 2.71 0.87 1.35 1.45
Currency in USD