Eagle Bancorp, Inc. (EGBN) vs Hanmi Financial Corporation (HAFC)

Eagle Bancorp, Inc. and Hanmi Financial Corporation are both Banks Regional companies. Eagle Bancorp, Inc. and Hanmi Financial Corporation are of similar size ($1.0B and $959.5M). Hanmi Financial Corporation trades at the lower P/E: 10.6× against 23.6×. Hanmi Financial Corporation grew revenue faster over the last twelve months: 3.30% against −11.0%. Hanmi Financial Corporation has the higher net margin (20.1% vs 7.56%) and the higher return on invested capital (14.6% vs 3.57%). Both pay a dividend; Hanmi Financial Corporation yields more (2.58% vs 0.12%). Across the 18 metrics below, Hanmi Financial Corporation leads on 15 and Eagle Bancorp, Inc. on 3.

Valuation

Metric EGBN HAFC Banks Regional median
P/E 23.59 10.63 12.02
P/S 1.78 2.11 2.36
P/B 0.88 1.18 1.23
Price to free cash flow 19.39 4.56 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 4.24% 9.41% 8.21%
Free cash flow yield 5.16% 21.95% 9.23%

Profitability

Metric EGBN HAFC Banks Regional median
Gross margin 52.39% 64.33% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 7.56% 20.09% 18.82%
Free cash flow margin 0.00% 0.00% 17.97%
Return on equity 3.81% 11.47% 10.28%
Return on assets 0.43% 1.15% 1.13%
Return on invested capital 3.57% 14.56% 8.45%

Growth

Metric EGBN HAFC Banks Regional median
Revenue growth (TTM) (10.96%) 3.30% 6.37%
EPS growth (last fiscal year) (191.67%) 22.44% 18.85%
Revenue growth, 5-year CAGR 7.78% 10.75% 12.65%
Net income growth, 5-year CAGR 0.00% 12.51% 9.81%

Health

Metric EGBN HAFC Banks Regional median
Debt to equity 0.07 0.09 0.17
Current ratio 0.87 0.96 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric EGBN HAFC Banks Regional median
Dividend yield 0.12% 2.58% 2.49%
Payout ratio 0.03 0.28 0.29

Size

Metric EGBN HAFC Banks Regional median
Market cap 1.02b 959.53m 934.85m

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