Hanmi Financial Corporation (HAFC) vs First Financial Corporation Indiana (THFF)

Hanmi Financial Corporation and First Financial Corporation Indiana are both Banks Regional companies. Hanmi Financial Corporation and First Financial Corporation Indiana are of similar size ($959.5M and $910.8M). First Financial Corporation Indiana trades at the lower P/E: 9.9× against 10.6×. First Financial Corporation Indiana grew revenue faster over the last twelve months: 9.70% against 3.30%. First Financial Corporation Indiana has the higher net margin (24.5% vs 20.1%) and the lower return on invested capital (7.69% vs 14.6%). Both pay a dividend; First Financial Corporation Indiana yields more (2.93% vs 2.58%). Across the 19 metrics below, First Financial Corporation Indiana leads on 11 and Hanmi Financial Corporation on 8.

Valuation

Metric HAFC THFF Banks Regional median
P/E 10.63 9.94 12.02
P/S 2.11 2.43 2.36
P/B 1.18 1.38 1.23
Price to free cash flow 4.56 8.91 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.41% 10.06% 8.21%
Free cash flow yield 21.95% 11.22% 9.23%

Profitability

Metric HAFC THFF Banks Regional median
Gross margin 64.33% 76.33% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 20.09% 24.45% 18.82%
Free cash flow margin 0.00% 27.32% 17.97%
Return on equity 11.47% 14.26% 10.28%
Return on assets 1.15% 1.56% 1.13%
Return on invested capital 14.56% 7.69% 8.45%

Growth

Metric HAFC THFF Banks Regional median
Revenue growth (TTM) 3.30% 9.70% 6.37%
EPS growth (last fiscal year) 22.44% 67.00% 18.85%
Revenue growth, 5-year CAGR 10.75% 11.36% 12.65%
Net income growth, 5-year CAGR 12.51% 8.03% 9.81%

Health

Metric HAFC THFF Banks Regional median
Debt to equity 0.09 0.40 0.17
Current ratio 0.96 0.00 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric HAFC THFF Banks Regional median
Dividend yield 2.58% 2.93% 2.49%
Payout ratio 0.28 0.29 0.29

Size

Metric HAFC THFF Banks Regional median
Market cap 959.53m 910.80m 934.85m

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