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CAC vs HAFC

CAC
Camden National Corporation
BULLISH
Price
$49.07
Market Cap
$833.0M
Sector
Financial Services
AI Confidence
70%
HAFC
Hanmi Financial Corporation
BULLISH
Price
$28.00
Market Cap
$838.7M
Sector
Financial Services
AI Confidence
82%

Valuation

P/E Ratio
CAC
12.78
HAFC
11.16
Forward P/E
CAC
8.35
HAFC
8.47
P/B Ratio
CAC
1.19
HAFC
1.04
P/S Ratio
CAC
3.57
HAFC
3.28
EV/EBITDA
CAC
--
HAFC
--

Profitability

Gross Margin
CAC
0.0%
HAFC
0.0%
Operating Margin
CAC
47.52%
HAFC
43.51%
Profit Margin
CAC
27.91%
HAFC
29.75%
ROE
CAC
10.61%
HAFC
9.96%
ROA
CAC
1.02%
HAFC
0.98%

Growth

Revenue Growth
CAC
39.2%
HAFC
15.7%
Earnings Growth
CAC
33.8%
HAFC
20.2%

Financial Health

Debt/Equity
CAC
--
HAFC
--
Current Ratio
CAC
--
HAFC
--
Quick Ratio
CAC
--
HAFC
--

Dividends

Dividend Yield
CAC
3.43%
HAFC
4.0%
Payout Ratio
CAC
43.75%
HAFC
43.03%

AI Verdict

CAC BULLISH

CAC shows bullish fundamentals based on deterministic rules. Financial strength is weak (F-Score 3/9). Key strengths include strong valuation and growth metrics.

Strengths
Attractive valuation with P/E of 12.8
Strong profitability (27.9% margin)
Strong revenue growth of 39.2%
Risks
Weak financial trend (Piotroski F-Score: 3/9)
HAFC BULLISH

HAFC presents a compelling value opportunity, trading significantly below its Graham Number ($38.94) and Intrinsic Value ($74.04). While the Piotroski F-Score of 4/9 indicates stable but not exceptional financial health, the company exhibits robust YoY revenue (15.7%) and earnings (20.2%) growth. The low P/E of 11.16 and P/B of 1.04 suggest the market is underpricing the asset relative to its book value and growth. Despite a very bearish technical trend and recent earnings misses, the fundamental valuation and sustainable 4% dividend yield provide a strong margin of safety.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Strong YoY earnings growth of 20.20%
Attractive dividend yield (4%) with a sustainable payout ratio (43.03%)
Risks
Severely bearish technical trend (10/100)
Recent earnings inconsistency (only 1 beat in last 4 quarters)
Bearish insider sentiment with net selling activity

Compare Another Pair

CAC vs HAFC: Head-to-Head Comparison

This page compares Camden National Corporation (CAC) and Hanmi Financial Corporation (HAFC) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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