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Side-by-side financial comparison of CARRIAGE SERVICES INC (CSV) and HANMI FINANCIAL CORP (HAFC). Click either name above to swap in a different company.
CARRIAGE SERVICES INC is the larger business by last-quarter revenue ($105.5M vs $71.2M, roughly 1.5× HANMI FINANCIAL CORP). HANMI FINANCIAL CORP runs the higher net margin — 29.8% vs 11.6%, a 18.2% gap on every dollar of revenue. On growth, HANMI FINANCIAL CORP posted the faster year-over-year revenue change (17.1% vs 8.0%). HANMI FINANCIAL CORP produced more free cash flow last quarter ($203.7M vs $6.2M). Over the past eight quarters, HANMI FINANCIAL CORP's revenue compounded faster (10.4% CAGR vs 1.0%).
Jardine Cycle & Carriage Limited is the investment holding company of Jardines in Southeast Asia. It is currently 75% held by the conglomerate.
Hanmi Bank Corporation is a community bank headquartered in Los Angeles, California, with 35 branches and eight loan production offices in California, Texas, Illinois, New York, New Jersey and Virginia.
CSV vs HAFC — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $105.5M | $71.2M |
| Net Profit | $12.3M | $21.2M |
| Gross Margin | 34.8% | — |
| Operating Margin | 23.3% | 29.8% |
| Net Margin | 11.6% | 29.8% |
| Revenue YoY | 8.0% | 17.1% |
| Net Profit YoY | 24.5% | 20.0% |
| EPS (diluted) | $0.76 | $0.70 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $105.5M | $71.2M | ||
| Q3 25 | $102.7M | $71.0M | ||
| Q2 25 | $102.1M | $65.2M | ||
| Q1 25 | $107.1M | $62.8M | ||
| Q4 24 | $97.7M | $60.8M | ||
| Q3 24 | $100.7M | $58.5M | ||
| Q2 24 | $102.3M | $56.7M | ||
| Q1 24 | $103.5M | $58.4M |
| Q4 25 | $12.3M | $21.2M | ||
| Q3 25 | $6.6M | $22.1M | ||
| Q2 25 | $11.7M | $15.1M | ||
| Q1 25 | $20.9M | $17.7M | ||
| Q4 24 | $9.9M | $17.7M | ||
| Q3 24 | $9.9M | $14.9M | ||
| Q2 24 | $6.3M | $14.5M | ||
| Q1 24 | $7.0M | $15.2M |
| Q4 25 | 34.8% | — | ||
| Q3 25 | 35.3% | — | ||
| Q2 25 | 35.2% | — | ||
| Q1 25 | 35.3% | — | ||
| Q4 24 | 34.4% | — | ||
| Q3 24 | 35.2% | — | ||
| Q2 24 | 36.2% | — | ||
| Q1 24 | 36.0% | — |
| Q4 25 | 23.3% | 29.8% | ||
| Q3 25 | 17.0% | 31.1% | ||
| Q2 25 | 23.5% | 23.2% | ||
| Q1 25 | 29.5% | 28.1% | ||
| Q4 24 | 21.6% | 29.1% | ||
| Q3 24 | 22.7% | 25.5% | ||
| Q2 24 | 18.0% | 25.5% | ||
| Q1 24 | 18.8% | 26.0% |
| Q4 25 | 11.6% | 29.8% | ||
| Q3 25 | 6.4% | 31.1% | ||
| Q2 25 | 11.5% | 23.2% | ||
| Q1 25 | 19.5% | 28.1% | ||
| Q4 24 | 10.1% | 29.1% | ||
| Q3 24 | 9.8% | 25.5% | ||
| Q2 24 | 6.1% | 25.5% | ||
| Q1 24 | 6.7% | 26.0% |
| Q4 25 | $0.76 | $0.70 | ||
| Q3 25 | $0.41 | $0.73 | ||
| Q2 25 | $0.74 | $0.50 | ||
| Q1 25 | $1.34 | $0.58 | ||
| Q4 24 | $0.62 | $0.58 | ||
| Q3 24 | $0.63 | $0.49 | ||
| Q2 24 | $0.40 | $0.48 | ||
| Q1 24 | $0.45 | $0.50 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $1.7M | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $254.8M | $796.4M |
| Total Assets | $1.3B | $7.9B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.7M | — | ||
| Q3 25 | $1.2M | — | ||
| Q2 25 | $1.4M | — | ||
| Q1 25 | $4.6M | — | ||
| Q4 24 | $1.2M | — | ||
| Q3 24 | $1.3M | — | ||
| Q2 24 | $1.5M | — | ||
| Q1 24 | $1.7M | — |
| Q4 25 | $254.8M | $796.4M | ||
| Q3 25 | $242.1M | $779.5M | ||
| Q2 25 | $235.4M | $762.8M | ||
| Q1 25 | $223.1M | $751.5M | ||
| Q4 24 | $208.6M | $732.2M | ||
| Q3 24 | $198.1M | $736.7M | ||
| Q2 24 | $187.9M | $707.1M | ||
| Q1 24 | $179.6M | $703.1M |
| Q4 25 | $1.3B | $7.9B | ||
| Q3 25 | $1.3B | $7.9B | ||
| Q2 25 | $1.3B | $7.9B | ||
| Q1 25 | $1.3B | $7.7B | ||
| Q4 24 | $1.3B | $7.7B | ||
| Q3 24 | $1.3B | $7.7B | ||
| Q2 24 | $1.3B | $7.6B | ||
| Q1 24 | $1.3B | $7.5B |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $14.1M | $206.0M |
| Free Cash FlowOCF − Capex | $6.2M | $203.7M |
| FCF MarginFCF / Revenue | 5.9% | 286.2% |
| Capex IntensityCapex / Revenue | 7.5% | 3.2% |
| Cash ConversionOCF / Net Profit | 1.15× | 9.70× |
| TTM Free Cash FlowTrailing 4 quarters | $40.1M | $356.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $14.1M | $206.0M | ||
| Q3 25 | $24.7M | $146.9M | ||
| Q2 25 | $8.1M | $-19.0M | ||
| Q1 25 | $13.8M | $25.8M | ||
| Q4 24 | $9.3M | $52.6M | ||
| Q3 24 | $20.9M | $6.7M | ||
| Q2 24 | $2.2M | $2.1M | ||
| Q1 24 | $19.7M | $30.0M |
| Q4 25 | $6.2M | $203.7M | ||
| Q3 25 | $18.0M | $146.4M | ||
| Q2 25 | $5.2M | $-19.6M | ||
| Q1 25 | $10.6M | $25.6M | ||
| Q4 24 | $4.9M | $49.9M | ||
| Q3 24 | $16.2M | $6.5M | ||
| Q2 24 | $-1.4M | $1.3M | ||
| Q1 24 | $16.2M | $29.2M |
| Q4 25 | 5.9% | 286.2% | ||
| Q3 25 | 17.5% | 206.3% | ||
| Q2 25 | 5.1% | -30.0% | ||
| Q1 25 | 9.9% | 40.7% | ||
| Q4 24 | 5.0% | 82.1% | ||
| Q3 24 | 16.1% | 11.1% | ||
| Q2 24 | -1.4% | 2.3% | ||
| Q1 24 | 15.6% | 50.0% |
| Q4 25 | 7.5% | 3.2% | ||
| Q3 25 | 6.5% | 0.8% | ||
| Q2 25 | 2.8% | 0.9% | ||
| Q1 25 | 3.0% | 0.4% | ||
| Q4 24 | 4.5% | 4.3% | ||
| Q3 24 | 4.6% | 0.4% | ||
| Q2 24 | 3.5% | 1.4% | ||
| Q1 24 | 3.4% | 1.4% |
| Q4 25 | 1.15× | 9.70× | ||
| Q3 25 | 3.76× | 6.66× | ||
| Q2 25 | 0.69× | -1.26× | ||
| Q1 25 | 0.66× | 1.46× | ||
| Q4 24 | 0.94× | 2.97× | ||
| Q3 24 | 2.11× | 0.45× | ||
| Q2 24 | 0.34× | 0.14× | ||
| Q1 24 | 2.83× | 1.98× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CSV
| Propertyand Merchandise | $47.8M | 45% |
| Cemetery Interment Rights | $24.8M | 23% |
| Merchandise | $18.9M | 18% |
| Other Revenue | $10.2M | 10% |
| Other | $3.9M | 4% |
HAFC
Segment breakdown not available.
