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Side-by-side financial comparison of HANMI FINANCIAL CORP (HAFC) and PAMT CORP (PAMT). Click either name above to swap in a different company.
PAMT CORP is the larger business by last-quarter revenue ($141.3M vs $71.2M, roughly 2.0× HANMI FINANCIAL CORP). HANMI FINANCIAL CORP runs the higher net margin — 29.8% vs -20.7%, a 50.5% gap on every dollar of revenue. On growth, HANMI FINANCIAL CORP posted the faster year-over-year revenue change (17.1% vs -15.1%). HANMI FINANCIAL CORP produced more free cash flow last quarter ($203.7M vs $-25.0M). Over the past eight quarters, HANMI FINANCIAL CORP's revenue compounded faster (10.4% CAGR vs -12.0%).
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.
HAFC vs PAMT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $71.2M | $141.3M |
| Net Profit | $21.2M | $-29.3M |
| Gross Margin | — | — |
| Operating Margin | 29.8% | -27.0% |
| Net Margin | 29.8% | -20.7% |
| Revenue YoY | 17.1% | -15.1% |
| Net Profit YoY | 20.0% | 7.4% |
| EPS (diluted) | $0.70 | $-1.38 |
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 | $71.2M | $141.3M | ||
| Q3 25 | $71.0M | $150.3M | ||
| Q2 25 | $65.2M | $151.1M | ||
| Q1 25 | $62.8M | $155.3M | ||
| Q4 24 | $60.8M | $166.5M | ||
| Q3 24 | $58.5M | $182.6M | ||
| Q2 24 | $56.7M | $182.9M | ||
| Q1 24 | $58.4M | $182.6M |
| Q4 25 | $21.2M | $-29.3M | ||
| Q3 25 | $22.1M | $-5.6M | ||
| Q2 25 | $15.1M | $-9.6M | ||
| Q1 25 | $17.7M | $-8.1M | ||
| Q4 24 | $17.7M | $-31.6M | ||
| Q3 24 | $14.9M | $2.4M | ||
| Q2 24 | $14.5M | $-2.9M | ||
| Q1 24 | $15.2M | $281.0K |
| Q4 25 | 29.8% | -27.0% | ||
| Q3 25 | 31.1% | -3.8% | ||
| Q2 25 | 23.2% | -7.3% | ||
| Q1 25 | 28.1% | -5.9% | ||
| Q4 24 | 29.1% | -22.6% | ||
| Q3 24 | 25.5% | 1.3% | ||
| Q2 24 | 25.5% | -0.4% | ||
| Q1 24 | 26.0% | -0.4% |
| Q4 25 | 29.8% | -20.7% | ||
| Q3 25 | 31.1% | -3.7% | ||
| Q2 25 | 23.2% | -6.4% | ||
| Q1 25 | 28.1% | -5.2% | ||
| Q4 24 | 29.1% | -19.0% | ||
| Q3 24 | 25.5% | 1.3% | ||
| Q2 24 | 25.5% | -1.6% | ||
| Q1 24 | 26.0% | 0.2% |
| Q4 25 | $0.70 | $-1.38 | ||
| Q3 25 | $0.73 | $-0.27 | ||
| Q2 25 | $0.50 | $-0.46 | ||
| Q1 25 | $0.58 | $-0.37 | ||
| Q4 24 | $0.58 | $-1.44 | ||
| Q3 24 | $0.49 | $0.11 | ||
| Q2 24 | $0.48 | $-0.13 | ||
| Q1 24 | $0.50 | $0.01 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $83.7M |
| Total DebtLower is stronger | — | $333.9M |
| Stockholders' EquityBook value | $796.4M | $210.5M |
| Total Assets | $7.9B | $697.9M |
| Debt / EquityLower = less leverage | — | 1.59× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $83.7M | ||
| Q3 25 | — | $115.6M | ||
| Q2 25 | — | $117.3M | ||
| Q1 25 | — | $102.7M | ||
| Q4 24 | — | $110.7M | ||
| Q3 24 | — | $92.3M | ||
| Q2 24 | — | $114.0M | ||
| Q1 24 | — | $125.8M |
| Q4 25 | — | $333.9M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $325.6M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $796.4M | $210.5M | ||
| Q3 25 | $779.5M | $239.5M | ||
| Q2 25 | $762.8M | $244.9M | ||
| Q1 25 | $751.5M | $269.6M | ||
| Q4 24 | $732.2M | $277.5M | ||
| Q3 24 | $736.7M | $308.9M | ||
| Q2 24 | $707.1M | $306.7M | ||
| Q1 24 | $703.1M | $314.6M |
| Q4 25 | $7.9B | $697.9M | ||
| Q3 25 | $7.9B | $715.2M | ||
| Q2 25 | $7.9B | $707.9M | ||
| Q1 25 | $7.7B | $712.6M | ||
| Q4 24 | $7.7B | $741.7M | ||
| Q3 24 | $7.7B | $756.7M | ||
| Q2 24 | $7.6B | $733.5M | ||
| Q1 24 | $7.5B | $746.4M |
| Q4 25 | — | 1.59× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 1.17× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $206.0M | $-5.8M |
| Free Cash FlowOCF − Capex | $203.7M | $-25.0M |
| FCF MarginFCF / Revenue | 286.2% | -17.7% |
| Capex IntensityCapex / Revenue | 3.2% | 13.6% |
| Cash ConversionOCF / Net Profit | 9.70× | — |
| TTM Free Cash FlowTrailing 4 quarters | $356.1M | $-23.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $206.0M | $-5.8M | ||
| Q3 25 | $146.9M | $5.9M | ||
| Q2 25 | $-19.0M | $12.2M | ||
| Q1 25 | $25.8M | $5.0M | ||
| Q4 24 | $52.6M | $15.2M | ||
| Q3 24 | $6.7M | $15.5M | ||
| Q2 24 | $2.1M | $18.7M | ||
| Q1 24 | $30.0M | $9.6M |
| Q4 25 | $203.7M | $-25.0M | ||
| Q3 25 | $146.4M | $2.5M | ||
| Q2 25 | $-19.6M | $5.9M | ||
| Q1 25 | $25.6M | $-6.8M | ||
| Q4 24 | $49.9M | $-39.9M | ||
| Q3 24 | $6.5M | $-33.6M | ||
| Q2 24 | $1.3M | $4.1M | ||
| Q1 24 | $29.2M | $-12.2M |
| Q4 25 | 286.2% | -17.7% | ||
| Q3 25 | 206.3% | 1.7% | ||
| Q2 25 | -30.0% | 3.9% | ||
| Q1 25 | 40.7% | -4.4% | ||
| Q4 24 | 82.1% | -24.0% | ||
| Q3 24 | 11.1% | -18.4% | ||
| Q2 24 | 2.3% | 2.2% | ||
| Q1 24 | 50.0% | -6.7% |
| Q4 25 | 3.2% | 13.6% | ||
| Q3 25 | 0.8% | 2.3% | ||
| Q2 25 | 0.9% | 4.2% | ||
| Q1 25 | 0.4% | 7.6% | ||
| Q4 24 | 4.3% | 33.1% | ||
| Q3 24 | 0.4% | 26.9% | ||
| Q2 24 | 1.4% | 8.0% | ||
| Q1 24 | 1.4% | 12.0% |
| Q4 25 | 9.70× | — | ||
| Q3 25 | 6.66× | — | ||
| Q2 25 | -1.26× | — | ||
| Q1 25 | 1.46× | — | ||
| Q4 24 | 2.97× | — | ||
| Q3 24 | 0.45× | 6.44× | ||
| Q2 24 | 0.14× | — | ||
| Q1 24 | 1.98× | 34.11× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
HAFC
Segment breakdown not available.
PAMT
| Freight Transportation Service | $123.1M | 87% |
| Fuel Surcharge | $18.2M | 13% |
