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HAFC vs JPM

HAFC
Hanmi Financial Corporation
BULLISH
Price
$28.00
Market Cap
$838.7M
Sector
Financial Services
AI Confidence
82%
JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$294.16
Market Cap
$793.36B
Sector
Financial Services
AI Confidence
65%

Valuation

P/E Ratio
HAFC
11.16
JPM
14.69
Forward P/E
HAFC
8.47
JPM
12.62
P/B Ratio
HAFC
1.04
JPM
2.32
P/S Ratio
HAFC
3.28
JPM
4.72
EV/EBITDA
HAFC
--
JPM
--

Profitability

Gross Margin
HAFC
0.0%
JPM
0.0%
Operating Margin
HAFC
43.51%
JPM
41.06%
Profit Margin
HAFC
29.75%
JPM
33.91%
ROE
HAFC
9.96%
JPM
16.13%
ROA
HAFC
0.98%
JPM
1.35%

Growth

Revenue Growth
HAFC
15.7%
JPM
2.5%
Earnings Growth
HAFC
20.2%
JPM
-3.6%

Financial Health

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

Dividends

Dividend Yield
HAFC
4.0%
JPM
2.11%
Payout Ratio
HAFC
43.03%
JPM
28.97%

AI Verdict

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
JPM NEUTRAL

JPM shows bullish fundamentals based on deterministic rules. Financial strength is weak (F-Score 2/9). Key strengths include strong valuation and growth metrics. Price trades at a 109.8% premium to fair value estimate ($140.21), limiting near-term upside from a valuation perspective.

Strengths
Attractive valuation with P/E of 14.7
Strong profitability (33.9% margin)
Strong ROE of 16.1%
Risks
Weak financial trend (Piotroski F-Score: 2/9)
Price trades at a 109.8% premium to fair value estimate ($140.21), limiting near-term upside from a valuation perspective.

Compare Another Pair

HAFC vs JPM: Head-to-Head Comparison

This page compares Hanmi Financial Corporation (HAFC) and JPMorgan Chase & Co. (JPM) 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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