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Hanmi Financial Corporation (HAFC) vs MetroCity Bankshares, Inc. (MCBS)

Hanmi Financial Corporation and MetroCity Bankshares, Inc. are both Banks Regional companies. Hanmi Financial Corporation and MetroCity Bankshares, Inc. are of similar size ($1.0B and $959.5M). Hanmi Financial Corporation trades at the lower P/E: 10.6× against 11.8×. MetroCity Bankshares, Inc. grew revenue faster over the last twelve months: 25.4% against 3.30%. MetroCity Bankshares, Inc. has the higher net margin (29.4% vs 20.1%) and the lower return on invested capital (0.00% vs 14.6%). Both pay a dividend; MetroCity Bankshares, Inc. yields more (3.15% vs 2.58%). Across the 19 metrics below, Hanmi Financial Corporation leads on 10 and MetroCity Bankshares, Inc. on 9.

Valuation

Metric HAFC MCBS Banks Regional median
P/E 10.63 11.75 12.02
P/S 2.11 3.52 2.36
P/B 1.18 1.78 1.23
Price to free cash flow 4.56 21.51 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.41% 8.51% 8.21%
Free cash flow yield 21.95% 4.65% 9.23%

Profitability

Metric HAFC MCBS Banks Regional median
Gross margin 64.33% 65.04% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 20.09% 29.38% 18.82%
Free cash flow margin 0.00% 16.55% 17.97%
Return on equity 11.47% 16.87% 10.28%
Return on assets 1.15% 2.11% 1.13%
Return on invested capital 14.56% 0.00% 8.45%

Growth

Metric HAFC MCBS Banks Regional median
Revenue growth (TTM) 3.30% 25.36% 6.37%
EPS growth (last fiscal year) 22.44% 4.76% 18.85%
Revenue growth, 5-year CAGR 10.75% 18.60% 12.65%
Net income growth, 5-year CAGR 12.51% 13.49% 9.81%

Health

Metric HAFC MCBS Banks Regional median
Debt to equity 0.09 0.64 0.17
Current ratio 0.96 0.00 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric HAFC MCBS Banks Regional median
Dividend yield 2.58% 3.15% 2.49%
Payout ratio 0.28 0.37 0.29

Size

Metric HAFC MCBS Banks Regional median
Market cap 959.53m 1.04b 934.85m

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