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Side-by-side financial comparison of HANMI FINANCIAL CORP (HAFC) and SHORE BANCSHARES INC (SHBI). Click either name above to swap in a different company.
HANMI FINANCIAL CORP is the larger business by last-quarter revenue ($71.2M vs $59.1M, roughly 1.2× SHORE BANCSHARES INC). On growth, HANMI FINANCIAL CORP posted the faster year-over-year revenue change (17.1% vs 11.8%). HANMI FINANCIAL CORP produced more free cash flow last quarter ($203.7M vs $59.2M). Over the past eight quarters, SHORE BANCSHARES INC's revenue compounded faster (11.3% CAGR vs 10.4%).
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.
Shore Bancshares Inc. is a U.S. regional bank holding company headquartered in Maryland. It offers a full range of retail and commercial banking services, including deposit products, personal and commercial loans, and wealth management solutions, primarily serving local individual customers, small businesses and mid-sized enterprises in its operating regions.
HAFC vs SHBI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $71.2M | $59.1M |
| Net Profit | $21.2M | — |
| Gross Margin | — | — |
| Operating Margin | 29.8% | 35.2% |
| Net Margin | 29.8% | — |
| Revenue YoY | 17.1% | 11.8% |
| Net Profit YoY | 20.0% | — |
| EPS (diluted) | $0.70 | $0.48 |
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 | $59.1M | ||
| Q3 25 | $71.0M | $56.4M | ||
| Q2 25 | $65.2M | $56.6M | ||
| Q1 25 | $62.8M | $53.0M | ||
| Q4 24 | $60.8M | $52.9M | ||
| Q3 24 | $58.5M | $50.5M | ||
| Q2 24 | $56.7M | $50.6M | ||
| Q1 24 | $58.4M | $47.7M |
| Q4 25 | $21.2M | — | ||
| Q3 25 | $22.1M | $14.3M | ||
| Q2 25 | $15.1M | $15.5M | ||
| Q1 25 | $17.7M | $13.8M | ||
| Q4 24 | $17.7M | — | ||
| Q3 24 | $14.9M | $11.2M | ||
| Q2 24 | $14.5M | $11.2M | ||
| Q1 24 | $15.2M | $8.2M |
| Q4 25 | 29.8% | 35.2% | ||
| Q3 25 | 31.1% | 33.7% | ||
| Q2 25 | 23.2% | 36.5% | ||
| Q1 25 | 28.1% | 34.4% | ||
| Q4 24 | 29.1% | 34.3% | ||
| Q3 24 | 25.5% | 29.6% | ||
| Q2 24 | 25.5% | 29.7% | ||
| Q1 24 | 26.0% | 22.2% |
| Q4 25 | 29.8% | — | ||
| Q3 25 | 31.1% | 25.5% | ||
| Q2 25 | 23.2% | 27.4% | ||
| Q1 25 | 28.1% | 26.0% | ||
| Q4 24 | 29.1% | — | ||
| Q3 24 | 25.5% | 22.1% | ||
| Q2 24 | 25.5% | 22.2% | ||
| Q1 24 | 26.0% | 17.2% |
| Q4 25 | $0.70 | $0.48 | ||
| Q3 25 | $0.73 | $0.43 | ||
| Q2 25 | $0.50 | $0.46 | ||
| Q1 25 | $0.58 | $0.41 | ||
| Q4 24 | $0.58 | $0.39 | ||
| Q3 24 | $0.49 | $0.34 | ||
| Q2 24 | $0.48 | $0.34 | ||
| Q1 24 | $0.50 | $0.25 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $355.6M |
| Total DebtLower is stronger | — | $89.1M |
| Stockholders' EquityBook value | $796.4M | $589.9M |
| Total Assets | $7.9B | $6.3B |
| Debt / EquityLower = less leverage | — | 0.15× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $355.6M | ||
| Q3 25 | — | $416.5M | ||
| Q2 25 | — | $185.0M | ||
| Q1 25 | — | $389.0M | ||
| Q4 24 | — | $459.9M | ||
| Q3 24 | — | $183.6M | ||
| Q2 24 | — | $138.9M | ||
| Q1 24 | — | $114.6M |
| Q4 25 | — | $89.1M | ||
| Q3 25 | — | $74.5M | ||
| Q2 25 | — | $74.2M | ||
| Q1 25 | — | $74.0M | ||
| Q4 24 | — | $73.7M | ||
| Q3 24 | — | $123.5M | ||
| Q2 24 | — | $122.8M | ||
| Q1 24 | — | $72.6M |
| Q4 25 | $796.4M | $589.9M | ||
| Q3 25 | $779.5M | $577.2M | ||
| Q2 25 | $762.8M | $565.2M | ||
| Q1 25 | $751.5M | $552.5M | ||
| Q4 24 | $732.2M | $541.1M | ||
| Q3 24 | $736.7M | $533.3M | ||
| Q2 24 | $707.1M | $522.8M | ||
| Q1 24 | $703.1M | $515.2M |
| Q4 25 | $7.9B | $6.3B | ||
| Q3 25 | $7.9B | $6.3B | ||
| Q2 25 | $7.9B | $6.0B | ||
| Q1 25 | $7.7B | $6.2B | ||
| Q4 24 | $7.7B | $6.2B | ||
| Q3 24 | $7.7B | $5.9B | ||
| Q2 24 | $7.6B | $5.9B | ||
| Q1 24 | $7.5B | $5.8B |
| Q4 25 | — | 0.15× | ||
| Q3 25 | — | 0.13× | ||
| Q2 25 | — | 0.13× | ||
| Q1 25 | — | 0.13× | ||
| Q4 24 | — | 0.14× | ||
| Q3 24 | — | 0.23× | ||
| Q2 24 | — | 0.23× | ||
| Q1 24 | — | 0.14× |
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 | $62.4M |
| Free Cash FlowOCF − Capex | $203.7M | $59.2M |
| FCF MarginFCF / Revenue | 286.2% | 100.2% |
| Capex IntensityCapex / Revenue | 3.2% | 5.4% |
| Cash ConversionOCF / Net Profit | 9.70× | — |
| TTM Free Cash FlowTrailing 4 quarters | $356.1M | $110.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $206.0M | $62.4M | ||
| Q3 25 | $146.9M | $42.5M | ||
| Q2 25 | $-19.0M | $-8.3M | ||
| Q1 25 | $25.8M | $19.8M | ||
| Q4 24 | $52.6M | $46.9M | ||
| Q3 24 | $6.7M | $9.1M | ||
| Q2 24 | $2.1M | $3.0M | ||
| Q1 24 | $30.0M | $2.4M |
| Q4 25 | $203.7M | $59.2M | ||
| Q3 25 | $146.4M | $41.9M | ||
| Q2 25 | $-19.6M | $-9.2M | ||
| Q1 25 | $25.6M | $18.8M | ||
| Q4 24 | $49.9M | $41.7M | ||
| Q3 24 | $6.5M | $8.4M | ||
| Q2 24 | $1.3M | $1.4M | ||
| Q1 24 | $29.2M | $614.0K |
| Q4 25 | 286.2% | 100.2% | ||
| Q3 25 | 206.3% | 74.3% | ||
| Q2 25 | -30.0% | -16.3% | ||
| Q1 25 | 40.7% | 35.4% | ||
| Q4 24 | 82.1% | 78.8% | ||
| Q3 24 | 11.1% | 16.7% | ||
| Q2 24 | 2.3% | 2.9% | ||
| Q1 24 | 50.0% | 1.3% |
| Q4 25 | 3.2% | 5.4% | ||
| Q3 25 | 0.8% | 1.0% | ||
| Q2 25 | 0.9% | 1.6% | ||
| Q1 25 | 0.4% | 1.9% | ||
| Q4 24 | 4.3% | 9.9% | ||
| Q3 24 | 0.4% | 1.2% | ||
| Q2 24 | 1.4% | 3.1% | ||
| Q1 24 | 1.4% | 3.7% |
| Q4 25 | 9.70× | — | ||
| Q3 25 | 6.66× | 2.96× | ||
| Q2 25 | -1.26× | -0.54× | ||
| Q1 25 | 1.46× | 1.44× | ||
| Q4 24 | 2.97× | — | ||
| Q3 24 | 0.45× | 0.81× | ||
| Q2 24 | 0.14× | 0.27× | ||
| Q1 24 | 1.98× | 0.29× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
