Hanmi Financial Corporation (HAFC)vsU.S. Bancorp (USB)
HAFC
Hanmi Financial Corporation
$31.12
+0.58%
FINANCIAL SERVICES · Cap: $912.60M
USB
U.S. Bancorp
$58.73
+2.33%
FINANCIAL SERVICES · Cap: $89.26B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 9731% more annual revenue ($27.32B vs $277.92M). HAFC leads profitability with a 32.2% profit margin vs 29.9%. HAFC appears more attractively valued with a PEG of 1.39. HAFC earns a higher WallStSmart Score of 80/100 (B+).
HAFC
Strong Buy80
out of 100
Grade: B+
USB
Strong Buy77
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
Attractively priced relative to earnings
Strong operational efficiency at 39.7%
Large-cap with strong market position
Keeps 30 of every $100 in revenue as profit
Reasonable price relative to book value
Earnings expanding 21.6% YoY
Areas to Watch
Smaller company, higher risk/reward
Negative free cash flow — burning cash
Distress zone — elevated risk
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
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 : USB
The strongest argument for USB centers on P/E Ratio, Operating Margin, Market Cap. Profitability is solid with margins at 29.9% and operating margin at 39.7%. Revenue growth of 10.4% demonstrates continued momentum.
Bear Case : HAFC
The primary concerns for HAFC are Market Cap, Free Cash Flow, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
HAFC profiles as a growth stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 1.02 — expect wider price swings.
HAFC is growing revenue faster at 23.3% — sustainability is the question.
USB generates stronger free cash flow (4.8B), providing more financial flexibility.
Bottom Line
HAFC scores higher overall (80/100 vs 77/100), 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 →U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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