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Hanmi Financial Corporation (HAFC) vs TrustCo Bank Corp NY (TRST)

Hanmi Financial Corporation and TrustCo Bank Corp NY are both Banks Regional companies. Hanmi Financial Corporation and TrustCo Bank Corp NY are of similar size ($919.8M and $917.4M). Hanmi Financial Corporation trades at the lower P/E: 10.4× against 15.0×. TrustCo Bank Corp NY grew revenue faster over the last twelve months: 6.12% against 4.20%. TrustCo Bank Corp NY has the higher net margin (22.8% vs 19.8%) and the lower return on invested capital (0.00% vs 11.3%). Both pay a dividend; Hanmi Financial Corporation yields more (3.57% vs 2.84%). Across the 19 metrics below, Hanmi Financial Corporation leads on 13 and TrustCo Bank Corp NY on 6.

Valuation

Metric HAFC TRST Banks Regional median
P/E 10.40 15.04 11.98
P/S 2.04 3.29 2.34
P/B 1.13 1.43 1.19
Price to free cash flow 4.37 15.71 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.61% 6.65% 8.23%
Free cash flow yield 22.89% 6.37% 9.08%

Profitability

Metric HAFC TRST Banks Regional median
Gross margin 63.45% 68.91% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 19.80% 22.76% 18.66%
Free cash flow margin 46.60% 20.92% 21.11%
Return on equity 11.33% 9.65% 10.65%
Return on assets 1.13% 1.01% 1.13%
Return on invested capital 11.28% 0.00% 8.35%

Growth

Metric HAFC TRST Banks Regional median
Revenue growth (TTM) 4.20% 6.12% 6.98%
EPS growth (last fiscal year) 22.44% 26.46% 18.88%
Revenue growth, 5-year CAGR 10.75% 7.33% 12.38%
Net income growth, 5-year CAGR 12.51% 3.11% 9.71%

Health

Metric HAFC TRST Banks Regional median
Debt to equity 0.25 0.00 0.22
Current ratio 0.98 1.03 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric HAFC TRST Banks Regional median
Dividend yield 3.57% 2.84% 2.57%
Payout ratio 0.37 0.43 0.30

Size

Metric HAFC TRST Banks Regional median
Market cap 917.35m 919.83m 913.33m

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