Hanmi Financial Corporation (HAFC)vsHDFC Bank Limited ADR (HDB)
HAFC
Hanmi Financial Corporation
$31.55
-0.85%
FINANCIAL SERVICES · Cap: $943.30M
HDB
HDFC Bank Limited ADR
$24.13
+0.42%
FINANCIAL SERVICES · Cap: $135.43B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 1061229% more annual revenue ($2.95T vs $277.92M). HAFC leads profitability with a 32.2% profit margin vs 26.8%. HDB appears more attractively valued with a PEG of 1.01. HAFC earns a higher WallStSmart Score of 80/100 (B+).
HAFC
Strong Buy80
out of 100
Grade: B+
HDB
Strong Buy76
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 45.0%
Earnings expanding 58.0% YoY
Conservative balance sheet, low leverage
Strong operational efficiency at 33.3%
Generating 1.7T in free cash flow
Large-cap with strong market position
Keeps 27 of every $100 in revenue as profit
16.6% revenue growth
Areas to Watch
Smaller company, higher risk/reward
Distress zone — elevated risk
Trading at 10.2x book value
Comparative Analysis Report
WallStSmart ResearchBull Case : HAFC
The strongest argument for HAFC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 32.2% and operating margin at 45.0%. Revenue growth of 23.3% demonstrates continued momentum.
Bull Case : HDB
The strongest argument for HDB centers on Operating Margin, Free Cash Flow, Market Cap. Profitability is solid with margins at 26.8% and operating margin at 33.3%. Revenue growth of 16.6% demonstrates continued momentum.
Bear Case : HAFC
The primary concerns for HAFC are Market Cap, Altman Z-Score.
Bear Case : HDB
The primary concerns for HDB are Price/Book.
Key Dynamics to Monitor
HAFC carries more volatility with a beta of 0.71 — expect wider price swings.
HAFC is growing revenue faster at 23.3% — sustainability is the question.
HDB generates stronger free cash flow (1.7T), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HAFC scores higher overall (80/100 vs 76/100), backed by strong 32.2% margins and 23.3% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Hanmi Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Hanmi Financial Corporation is the holding company of Hanmi Bank offering commercial banking products and services in the United States. The company is headquartered in Los Angeles, California.
Visit Website →HDFC Bank Limited ADR
FINANCIAL SERVICES · BANKS - REGIONAL · USA
HDFC Bank Limited offers various banking and financial services to individuals and businesses in India, Bahrain, Hong Kong and Dubai. The company is headquartered in Mumbai, India.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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