Hanmi Financial (HAFC) Competitors

Hanmi Financial (NASDAQ:HAFC) and American National Bankshares (NASDAQ:AMNB) are both small-cap finance companies, but which is the superior investment? We will compare the two companies based on the strength of their analyst recommendations, risk, earnings, profitability, institutional ownership, media sentiment, valuation, dividends and community ranking.

Which has more risk and volatility, HAFC or AMNB?

Hanmi Financial has a beta of 0.91, meaning that its share price is 9% less volatile than the S&P 500. Comparatively, American National Bankshares has a beta of 0.91, meaning that its share price is 9% less volatile than the S&P 500.

Which has preferable earnings and valuation, HAFC or AMNB?

Hanmi Financial has higher revenue and earnings than American National Bankshares. Hanmi Financial is trading at a lower price-to-earnings ratio than American National Bankshares, 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
Hanmi Financial	$403.51M	1.15	$80.04M	$2.40	6.37
American National Bankshares	$138.57M	3.66	$26.16M	$2.45	19.49

Do analysts prefer HAFC or AMNB?

Hanmi Financial presently has a consensus price target of $17.50, indicating a potential upside of 14.45%. Given Hanmi Financial's higher possible upside, equities analysts clearly believe Hanmi Financial is more favorable than American National Bankshares.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Hanmi Financial	0 Sell rating(s)	2 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00
American National Bankshares	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	N/A

Does the MarketBeat Community favor HAFC or AMNB?

Hanmi Financial received 93 more outperform votes than American National Bankshares when rated by MarketBeat users. Likewise, 56.30% of users gave Hanmi Financial an outperform vote while only 51.43% of users gave American National Bankshares an outperform vote.

Company	Underperform	Outperform
Hanmi Financial	Outperform Votes 326 56.30%	Underperform Votes 253 43.70%
American National Bankshares	Outperform Votes 233 51.43%	Underperform Votes 220 48.57%

Do institutionals & insiders have more ownership in HAFC or AMNB?

88.7% of Hanmi Financial shares are held by institutional investors. Comparatively, 47.9% of American National Bankshares shares are held by institutional investors. 1.6% of Hanmi Financial shares are held by company insiders. Comparatively, 4.3% of American National Bankshares shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Is HAFC or AMNB more profitable?

American National Bankshares has a net margin of 18.88% compared to Hanmi Financial's net margin of 17.63%. Hanmi Financial's return on equity of 10.70% beat American National Bankshares' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Hanmi Financial	17.63%	10.70%	0.98%
American National Bankshares	18.88%	7.88%	0.85%

Does the media prefer HAFC or AMNB?

In the previous week, Hanmi Financial had 1 more articles in the media than American National Bankshares. MarketBeat recorded 1 mentions for Hanmi Financial and 0 mentions for American National Bankshares. Hanmi Financial's average media sentiment score of 0.51 beat American National Bankshares' score of 0.22 indicating that Hanmi Financial is being referred to more favorably in the media.

Company	Overall Sentiment
Hanmi Financial	Positive
American National Bankshares	Neutral

Is HAFC or AMNB a better dividend stock?

Hanmi Financial pays an annual dividend of $1.00 per share and has a dividend yield of 6.5%. American National Bankshares pays an annual dividend of $1.20 per share and has a dividend yield of 2.5%. Hanmi Financial pays out 41.7% of its earnings in the form of a dividend. American National Bankshares pays out 49.0% 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. Hanmi Financial is clearly the better dividend stock, given its higher yield and lower payout ratio.

Summary

Hanmi Financial beats American National Bankshares on 12 of the 17 factors compared between the two stocks.