Hanmi Financial vs Heritage Financial
Hanmi Financial and Heritage Financial are similar in size: $270m and $246m of revenue in their latest fiscal years. Hanmi Financial grew faster (15.3% against 13.5%). Hanmi Financial kept more of each dollar of sales as profit: a net margin of 28.2% against 27.4%.
| Latest fiscal year | Hanmi FinancialHAFC, 2025 | Heritage FinancialHFWA, 2025 |
|---|---|---|
| Revenue | $270m | $246m |
| Revenue growth | 15.3% | 13.5% |
| Net income | $76.1m | $67.5m |
| Operating margin | — | — |
| Net margin | 28.2% | 27.4% |
| Return on equity | 10.0% | 7.6% |
| Free cash flow | $204m | $85.7m |
| Cash | $213m | $233m |
| Total debt | $0 | $20.0m |
| Debt to equity | — | — |
| Dividend per share | $1.08 | $0.96 |
| Dividend yield | 3.4% | 2.9% |
| Share buybacks | $9.4m | $5.5m |
| Employees | — | — |
| Market value | $984m | $1.18bn |
| Price vs our value range | — | — |
| Moat score | 70 (Strong) | 70 (Strong) |
| Insider trades, 12 months | 0 buys, 3 sales | 1 buys, 12 sales |