` 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 +15% growth.

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HAFC
MTB
One-click summary across all key metrics.
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One-click summary across all key metrics.
Ranked results with clear takeaways.
No spreadsheets, no guesswork.
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Valuation
Growth
Profitability
Solvency
Comparing Valuation
Running a multi-layered valuation analysis to compare how attractive each stock is.
Comparing Growth
Financial growth, forecasts, volatility, and historical drawdowns.
Comparing Profitability
Margins, returns on capital, and the consistency of profitability.
Comparing Solvency
Debt levels, liquidity, interest coverage, and bankruptcy risk.
Summarizing...
We need a little more time to summarize the results

Valuation Comparison

HAFC Intrinsic Value
29.22 USD
Undervaluation 23%
Intrinsic Value
Price
MTB Intrinsic Value
253.17 USD
Undervaluation 27%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Hanmi Financial Corp
NASDAQ:HAFC
22.41 USD
M&T Bank Corp
NYSE:MTB
183.86 USD
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.

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
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
26.9%
MTB
27%
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
8.8%
MTB
8.9%
LTM 3Y Avg 5Y Avg 10Y Avg
Hanmi Financial Corp
M&T Bank Corp

ROA

HAFC
0.8%
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

Balance Sheet Comparison

Stocks Performance

Stocks Performance
HAFC, MTB

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Performance Gap
HAFC, MTB

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HAFC
MTB
Difference
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Performance By Year
HAFC, MTB

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HAFC
MTB
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