Hanmi Financial Corporation (HAFC)vsHDFC Bank Limited ADR (HDB)
HAFC
Hanmi Financial Corporation
$30.43
-0.10%
FINANCIAL SERVICES · Cap: $905.79M
HDB
HDFC Bank Limited ADR
$23.41
-2.58%
FINANCIAL SERVICES · Cap: $122.21B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 1071121% more annual revenue ($2.83T vs $264.48M). HAFC leads profitability with a 30.6% profit margin vs 26.8%. HDB appears more attractively valued with a PEG of 1.01. HAFC earns a higher WallStSmart Score of 76/100 (B+).
HAFC
Strong Buy76
out of 100
Grade: B+
HDB
Strong Buy68
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 31 of every $100 in revenue as profit
Strong operational efficiency at 44.3%
Conservative balance sheet, low leverage
Earnings expanding 29.3% YoY
Strong operational efficiency at 40.5%
Generating 1.7T in free cash flow
Large-cap with strong market position
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Areas to Watch
Smaller company, higher risk/reward
Distress zone — elevated risk
Trading at 9.7x book value
Elevated debt levels
Revenue declined 1.8%
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 30.6% and operating margin at 44.3%. Revenue growth of 14.6% 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 40.5%. PEG of 1.01 suggests the stock is reasonably priced for its growth.
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, Debt/Equity, Revenue Growth.
Key Dynamics to Monitor
HAFC profiles as a mature stock while HDB is a declining play — different risk/reward profiles.
HAFC carries more volatility with a beta of 0.72 — expect wider price swings.
HAFC is growing revenue faster at 14.6% — sustainability is the question.
HDB generates stronger free cash flow (1.7T), providing more financial flexibility.
Bottom Line
HAFC scores higher overall (76/100 vs 68/100), backed by strong 30.6% margins and 14.6% 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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