Hanmi Financial Corporation (HAFC) vs MetroCity Bankshares, Inc. (MCBS)
A side-by-side comparison of Hanmi Financial Corporation and MetroCity Bankshares, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — HAFC vs MCBS
growth of $100 · dividends reinvested · last 10yHAFC vs MCBS: by the numbers
- •MCBS is the larger company ($1.01B vs $940M market cap).
- •HAFC trades at the lower trailing earnings multiple (10.63 vs 12.24 P/E), one valuation lens rather than an overall verdict.
- •MCBS converts more revenue to profit (30.49% vs 23.16% net margin).
- •MCBS grew revenue faster over the past five years (17.83% vs 9.18% CAGR).
- •HAFC pays the higher dividend yield (3.52% vs 3.07%).
Metrics side by side
Valuation
| Metric | HAFC | MCBS |
|---|---|---|
| P/E ratio | 10.63 | 12.24 |
| Forward P/E | 9.94 | 10.85 |
| PEG ratio | 0.84 | 0.92 |
| P/S ratio | 2.44 | 3.85 |
| P/B ratio | 1.16 | 1.78 |
Profitability
| Metric | HAFC | MCBS |
|---|---|---|
| Operating margin | 17.26% | 36.55% |
| Net margin | 23.16% | 30.49% |
| ROE | 11.00% | 14.09% |
Hanmi Financial Corporation: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
MetroCity Bankshares, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | HAFC | MCBS |
|---|---|---|
| Dividend yield | 3.52% | 3.07% |
| Payout ratio | 37.37% | 37.50% |
Growth (annualized)
| Metric | HAFC | MCBS |
|---|---|---|
| Revenue CAGR (5Y) | 9.18% | 17.83% |
| EPS CAGR (5Y) | 13.07% | 13.46% |
| Total return CAGR (5Y) | 14.54% | 14.17% |
Frequently asked
- Which has the lower trailing P/E, HAFC or MCBS?
- HAFC has the lower trailing P/E: HAFC trades at 10.63 and MCBS at 12.24. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, HAFC or MCBS?
- Over the past five years, MCBS grew revenue faster — HAFC at a 9.18% CAGR versus MCBS at 17.83%.
- Does HAFC or MCBS pay a bigger dividend?
- HAFC yields 3.52% and MCBS yields 3.07% based on trailing dividends and the latest price.
- Is HAFC or MCBS more profitable?
- MCBS runs the higher net margin — HAFC at 23.16% versus MCBS at 30.49%.
- How have HAFC and MCBS total returns compared?
- Over the past 5 years, HAFC delivered 14.54% and MCBS delivered 14.17% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Hanmi Financial & MetroCity Bankshares appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.