COMP <GO>
HAFC vs TRST // EV/EBITDA & P/E VALUATION
Hanmi Financial Corporation (NASDAQ) VS. TrustCo Bank Corp NY (NASDAQ) • 15-METRIC TALLY: HAFC 6
— TRST 1
■ METRIC PARITY
LAST: $33.13 (+1.32%) • MKT CAP: $982.3M
valuation
12.9x
LAST: $56.87 (+0.30%) • MKT CAP: $968.4M
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (HAFC VS. TRST)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | HAFC | TRST | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 7.50% | 8.90% | -1.40 | TRST | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | 12.9x | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 20.97% | 4.72% | +16.25 | HAFC | /fcf-yield <GO> |
| Operating Margin | 28.20% | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 28.20% | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | 15.30% | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 3.32% | 2.85% | +0.47 | HAFC | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 7/9 | 4/9 | +3.00 | HAFC | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 59.3 | 55.4 | +3.90 | HAFC | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 10.8x | 14.7x | -3.90 | HAFC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $982.3M | $968.4M | $13.9M | HAFC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | HAFC REV | TRST REV | HAFC GROSS % | TRST GROSS % | HAFC FCF | TRST FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $270.2M | $0 | — | — | $206.0M | $45.7M |
| FY 2024 | $234.4M | $0 | — | — | $52.6M | $54.6M |
| FY 2023 | $255.4M | $0 | — | — | $109.3M | $64.1M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
HAFC // BETA —
TRST // BETA —