` Comparison: HAFC, MTB - Alpha Spread

HAFC
vs
MTB

Over the past 12 months, HAFC has outperformed MTB, delivering a return of +22% compared to the MTB's +11% growth.

Valuation Growth Profitability Solvency Stocks Performance
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HAFC
MTB
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Stocks Compared:
HAFC MTB
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Valuation Comparison

HAFC Intrinsic Value
39.77 USD
Undervaluation 28%
Intrinsic Value
Price
MTB Intrinsic Value
254.91 USD
Undervaluation 19%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Hanmi Financial Corp
NASDAQ:HAFC
28.74 USD
M&T Bank Corp
NYSE:MTB
206.71 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
HAFC, MTB

HAFC
MTB
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Hanmi Financial Corp
Revenue
M&T Bank Corp
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
HAFC, MTB

HAFC
MTB
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Hanmi Financial Corp
NASDAQ:HAFC
FCF is not applicable for financial companies
M&T Bank Corp
NYSE:MTB
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

HAFC
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Hanmi Financial Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Operating Margin

HAFC
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Hanmi Financial Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Net Margin

HAFC
27.7%
MTB
27.3%
LTM 3Y Avg 5Y Avg 10Y Avg
Hanmi Financial Corp
M&T Bank Corp

FCF Margin

HAFC
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Hanmi Financial Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROE

HAFC
9.5%
MTB
9.1%
LTM 3Y Avg 5Y Avg 10Y Avg
Hanmi Financial Corp
M&T Bank Corp

ROA

HAFC
0.9%
MTB
1.2%
LTM 3Y Avg 5Y Avg 10Y Avg
Hanmi Financial Corp
M&T Bank Corp

ROIC

HAFC
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Hanmi Financial Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROCE

HAFC
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Hanmi Financial Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
HAFC, MTB

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HAFC
MTB
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
HAFC, MTB

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HAFC
MTB
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
HAFC, MTB

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HAFC
MTB
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