Hanmi Financial (HAFC) Competitors

Independent Bank (NASDAQ:INDB) and Hanmi Financial (NASDAQ:HAFC) are both finance companies, but which is the better investment? We will compare the two companies based on the strength of their institutional ownership, valuation, dividends, analyst recommendations, risk, media sentiment, profitability, community ranking and earnings.

Is INDB or HAFC a better dividend stock?

Independent Bank pays an annual dividend of $2.28 per share and has a dividend yield of 3.4%. Hanmi Financial pays an annual dividend of $1.00 per share and has a dividend yield of 4.4%. Independent Bank pays out 49.6% of its earnings in the form of a dividend. Hanmi Financial pays out 48.1% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Independent Bank has raised its dividend for 14 consecutive years. Hanmi Financial is clearly the better dividend stock, given its higher yield and lower payout ratio.

Which has higher earnings & valuation, INDB or HAFC?

Independent Bank has higher revenue and earnings than Hanmi Financial. Hanmi Financial is trading at a lower price-to-earnings ratio than Independent Bank, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Independent Bank	$920.34M	3.10	$239.50M	$4.60	14.57
Hanmi Financial	$403.51M	1.70	$80.04M	$2.08	10.93

Do analysts recommend INDB or HAFC?

Independent Bank presently has a consensus target price of $78.00, indicating a potential upside of 16.35%. Hanmi Financial has a consensus target price of $24.38, indicating a potential upside of 7.19%. Given Independent Bank's stronger consensus rating and higher probable upside, equities analysts clearly believe Independent Bank is more favorable than Hanmi Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Independent Bank	0 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	2 Strong Buy rating(s)	3.33
Hanmi Financial	0 Sell rating(s)	3 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.40

Does the media prefer INDB or HAFC?

In the previous week, Independent Bank had 10 more articles in the media than Hanmi Financial. MarketBeat recorded 14 mentions for Independent Bank and 4 mentions for Hanmi Financial. Hanmi Financial's average media sentiment score of 1.04 beat Independent Bank's score of 0.88 indicating that Hanmi Financial is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Independent Bank	4 Very Positive mention(s)	2 Positive mention(s)	6 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Hanmi Financial	1 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Which has more volatility and risk, INDB or HAFC?

Independent Bank has a beta of 0.78, suggesting that its share price is 22% less volatile than the S&P 500. Comparatively, Hanmi Financial has a beta of 0.89, suggesting that its share price is 11% less volatile than the S&P 500.

Do institutionals and insiders hold more shares of INDB or HAFC?

83.4% of Independent Bank shares are held by institutional investors. Comparatively, 88.7% of Hanmi Financial shares are held by institutional investors. 1.0% of Independent Bank shares are held by company insiders. Comparatively, 1.6% of Hanmi Financial shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Does the MarketBeat Community favor INDB or HAFC?

Independent Bank received 60 more outperform votes than Hanmi Financial when rated by MarketBeat users. However, 55.95% of users gave Hanmi Financial an outperform vote while only 54.41% of users gave Independent Bank an outperform vote.

Company	Underperform	Outperform
Independent Bank	Outperform Votes 389 54.41%	Underperform Votes 326 45.59%
Hanmi Financial	Outperform Votes 329 55.95%	Underperform Votes 259 44.05%

Is INDB or HAFC more profitable?

Independent Bank has a net margin of 20.26% compared to Hanmi Financial's net margin of 14.80%. Hanmi Financial's return on equity of 8.87% beat Independent Bank's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Independent Bank	20.26%	6.74%	1.02%
Hanmi Financial	14.80%	8.87%	0.83%

Summary

Independent Bank beats Hanmi Financial on 13 of the 22 factors compared between the two stocks.