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Market Price

8.60 

0.14 1.7%

as of Oct 20 '20

52 Week Range:

7.15 20.79


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Hanmi Financial Corporation operates as the holding company for Hanmi Bank that provides business banking products and services in the United States. The company offers various deposit products, including noninterest-bearing checking accounts, interest-bearing checking and savings accounts, negotiable order of withdrawal accounts, money market accounts, and certificates of deposit. It also provides real estate loans, including commercial property, construction, and residential property loans; and commercial and industrial loans, such as commercial term loans and commercial lines of credit, as well as international finance, and trade services and products comprising letters of credit, and import and export financing. In addition, the company offers consumer loans that include automobile loans, secured and unsecured personal loans, home improvement loans, home equity lines of credit, unsecured lines of credit, and credit cards; and small business administration loans for business purposes, which comprise owner-occupied commercial real estate, business acquisitions, start-ups, franchise financing, working capital, improvements and renovations, inventory and equipment, and debt-refinancing, as well as equipment lease financing. As of February. 06, 2020, it operated a network of 35 full-service branches and 9 loan production offices in California, Texas, Illinois, Virginia, New Jersey, New York, Colorado, Washington, and Georgia. The company was founded in 1982 and is headquartered in Los Angeles, California.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Equity (BVPS) 23.70
9.17
6.45
12.01
12.53
13.64
15.18
16.43
17.24
18.36
18.65
growth rate -61.3% -29.7% 86.2% 4.3% 8.9% 11.3% 8.2% 4.9% 6.5% 1.6%
Earnings BIT -153.40
-88.02
28.88
43.01
61.99
73.06
92.70
91.09
101.71
growth rate 0.0% 100.0% 48.9% 44.1% 17.9% 26.9% -1.7% 11.7%
Avg.PE -0.60
-1.80
5.37
4.74
17.39
13.36
13.20
19.06
18.82
12.27
14.87
growth rate 0.0% 100.0% -11.7% 266.9% -23.2% -1.2% 44.4% -1.3% -34.8% 21.2%
ROA -3.47
-2.90
1.00
3.21
1.34
1.37
1.27
1.25
1.10
1.07
0.59
growth rate 0.0% 100.0% 221.0% -58.3% 2.2% -7.3% -1.6% -12.0% -2.7% -44.9%
ROE -59.12
-54.49
12.27
27.22
10.24
11.65
11.33
10.93
9.94
10.32
5.84
growth rate 0.0% 100.0% 121.8% -62.4% 13.8% -2.8% -3.5% -9.1% 3.8% -43.4%
ROIC -9.71
-13.81
14.11
24.49
9.76
10.30
growth rate 0.0% 100.0% 73.6% -60.2% 5.5%
Leverage 21.12
16.78
9.61
7.62
7.62
9.34
8.57
8.85
9.26
9.96
9.83
growth rate -20.6% -42.7% -20.7% 0.0% 22.6% -8.2% 3.3% 4.6% 7.6% -1.3%
Balance Sheet Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Acct.Receivable 9.54
8.92
9.07
14.22
5.08
1.72
5.82
8.31
growth rate -6.6% 1.8% 56.7% -64.3% -66.2% 239.6% 42.8%
Acct.Payable 26.88
21.52
12.31
3,556.75
3,509.98
3,809.74
4,348.65
4,747.24
4,698.96
growth rate -20.0% -42.8% 28,800.2% -1.3% 8.5% 14.2% 9.2% -1.0%
Cur.Assets 240.26
221.65
207.73
209.46
214.80
167.62
growth rate -7.8% -6.3% 0.8% 2.6% -22.0%
Total Assets 3,162.70
2,907.10
2,744.82
2,882.52
3,054.38
4,232.44
4,234.52
4,701.35
5,210.49
5,502.22
5,538.18
growth rate -8.1% -5.6% 5.0% 6.0% 38.6% 0.1% 11.0% 10.8% 5.6% 0.7%
Cash 154.10
219.70
789.70
749.13
735.54
158.32
164.36
147.24
153.83
155.38
121.68
growth rate 42.6% 259.4% -5.1% -1.8% -78.5% 3.8% -10.4% 4.5% 1.0% -21.7%
Inventory 15.79
8.51
7.48
1.95
0.66
0.06
growth rate -46.1% -12.1% -74.0% -65.9% -90.5%
Cur.Liabilities 3,751.53
3,717.12
4,151.34
4,530.74
4,831.84
4,775.76
growth rate -0.9% 11.7% 9.1% 6.7% -1.2%
Liabilities 3,013.00
2,733.90
2,459.22
2,504.16
2,654.30
3,779.06
3,740.60
4,170.32
4,648.01
4,949.65
4,974.92
growth rate -9.3% -10.1% 1.8% 6.0% 42.4% -1.0% 11.5% 11.5% 6.5% 0.5%
LT Debt 2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
19.48
18.70
18.98
117.27
117.81
168.38
growth rate 0.1% 0.1% 0.1% 0.1% -99.0% -4.0% 1.5% 517.9% 0.5% 42.9%
Equity 149.70
173.30
285.61
378.36
400.08
453.39
493.92
531.03
562.48
552.57
563.27
growth rate 15.8% 64.8% 32.5% 5.7% 13.3% 8.9% 7.5% 5.9% -1.8% 1.9%
Common Shares 6.00
12.00
20.00
32.00
32.00
32.00
32.00
32.00
32.00
32.00
31.00
growth rate 100.0% 66.7% 60.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% -3.1%
Cash Flow Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Capital Expenditures 1.00
1.20
1.17
0.68
1.02
1.15
1.15
0.73
0.84
3.70
1.58
growth rate 20.0% -2.8% -42.2% 50.8% 13.0% -0.4% -36.3% 15.5% 338.4% -57.3%
Cash Dividends 0.00
0.00
0.00
0.00
4.44
6.69
12.78
25.66
25.81
30.92
29.78
growth rate 50.8% 91.0% 100.7% 0.6% 19.8% -3.7%
Cash From OA 92.30
226.40
49.25
52.83
60.72
25.47
66.53
59.35
81.66
76.64
58.80
growth rate 145.3% -78.3% 7.3% 14.9% -58.1% 161.2% -10.8% 37.6% -6.2% -23.3%
FCF per Share 15.35
19.10
3.49
1.56
1.80
1.14
1.14
2.02
2.25
2.42
2.31
growth rate 24.4% -81.7% -55.3% 15.4% -36.7% 0.0% 77.2% 11.4% 7.6% -4.6%
Sale Purchase of Stock 77.11
0.01
0.53
0.47
0.62
1.45
0.29
growth rate -100.0% 5,150.0% -11.1% 31.9% 135.9% -80.2%
FCF 91.00
225.00
48.00
49.00
60.00
24.00
63.00
54.00
79.00
73.00
57.00
growth rate 147.3% -78.7% 2.1% 22.5% -60.0% 162.5% -14.3% 46.3% -7.6% -21.9%
Income Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Sales 133.30
130.40
152.66
138.70
147.04
156.68
207.33
197.61
209.39
201.54
173.25
growth rate -2.2% 17.1% -9.2% 6.0% 6.6% 32.3% -4.7% 6.0% -3.8% -14.0%
Op.Income -153.40
-88.90
28.15
90.16
39.78
64.60
94.28
89.70
95.24
84.82
47.35
growth rate 0.0% 100.0% 220.3% -55.9% 62.4% 45.9% -4.9% 6.2% -11.0% -44.2%
IBT -153.40
-88.02
28.88
43.34
62.52
72.58
92.01
89.39
95.28
83.97
47.35
growth rate 0.0% 100.0% 50.1% 44.3% 16.1% 26.8% -2.8% 6.6% -11.9% -43.6%
Net Income -122.30
-88.00
28.15
90.16
39.78
49.76
53.82
56.49
54.66
57.87
32.79
growth rate 0.0% 100.0% 220.3% -55.9% 25.1% 8.2% 5.0% -3.2% 5.9% -43.3%
EPS -20.56
-7.46
1.38
2.87
1.26
1.56
1.68
1.75
1.69
1.79
1.06
growth rate 0.0% 100.0% 108.0% -56.1% 23.8% 7.7% 4.2% -3.4% 5.9% -40.8%
Gross Profit 156.68
207.33
197.61
209.39
201.54
173.25
growth rate 32.3% -4.7% 6.0% -3.8% -14.0%

Quarterly Statements

Item Name Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Earnings BIT
growth rate
Balance Sheet Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Acct.Receivable 7.50
8.00
growth rate 6.7%
Acct.Payable 4,762.07
4,690.14
4,698.96
4,582.07
5,209.78
growth rate -1.5% 0.2% -2.5% 13.7%
Cur.Assets 187.26
210.69
167.62
328.45
615.13
growth rate 12.5% -20.4% 96.0% 87.3%
Total Assets 5,511.75
5,527.98
5,538.18
5,617.69
6,218.16
growth rate 0.3% 0.2% 1.4% 10.7%
Cash 130.85
150.68
121.68
290.55
546.05
growth rate 15.2% -19.3% 138.8% 87.9%
Inventory 0.51
0.33
0.06
0.06
0.15
growth rate -34.9% -80.9% 0.0% 134.9%
Cur.Liabilities 4,788.83
4,748.36
4,775.76
4,815.47
5,305.81
growth rate -0.9% 0.6% 0.8% 10.2%
Liabilities 4,947.29
4,953.46
4,974.92
5,064.73
5,670.73
growth rate 0.1% 0.4% 1.8% 12.0%
LT Debt 118.09
168.23
168.38
218.52
320.48
growth rate 42.5% 0.1% 29.8% 46.7%
Equity 564.46
574.53
563.27
552.96
547.44
growth rate 1.8% -2.0% -1.8% -1.0%
Common Shares 0.03
0.03
0.03
0.03
0.03
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Capital Expenditures -0.93
1.40
-0.33
1.24
1.04
growth rate 100.0% -100.0% 100.0% -16.8%
Cash Dividends 7.41
7.47
7.46
7.38
3.67
growth rate 0.9% -0.1% -1.1% -50.2%
Cash From OA 15.50
17.76
3.11
24.26
-0.34
growth rate 14.6% -82.5% 680.6% -100.0%
Sale Purchase of Stock
growth rate
FCF 14.57
16.36
2.77
23.02
-1.37
growth rate 12.3% -83.0% 729.8% -100.0%
Income Statement Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Sales 34.02
49.32
39.89
34.46
40.78
growth rate 45.0% -19.1% -13.6% 18.3%
Op.Income 3.88
16.71
5.80
3.39
13.64
growth rate 331.1% -65.3% -41.6% 302.3%
IBT 3.88
16.71
5.80
3.39
13.64
growth rate 331.1% -65.3% -41.6% 302.3%
Net Income 2.66
12.38
3.08
2.35
9.18
growth rate 366.0% -75.1% -23.8% 290.4%
EPS
growth rate
Gross Profit 34.02
49.32
39.89
34.46
40.78
growth rate 45.0% -19.1% -13.6% 18.3%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

F (0.00)

YOY Growth Grade:

E (21.16)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 11.43 9.83 10.99
EPS / Growth -5.4% 0.88 8.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 6.1%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 5.0% 5.0%
Future PE 2.00 10.82 10.82
Future EPS 0.97 1.43 1.43
Value Price
MOS %
0.48
-94.4%
3.82
-55.6%
3.82
-55.6%
MOS Price 0.24 1.91 1.91
IRT 9.33 7.86 7.86

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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