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Side-by-side financial comparison of HANMI FINANCIAL CORP (HAFC) and TSS, Inc. (TSSI). Click either name above to swap in a different company.
HANMI FINANCIAL CORP is the larger business by last-quarter revenue ($71.2M vs $60.9M, roughly 1.2× TSS, Inc.). HANMI FINANCIAL CORP runs the higher net margin — 29.8% vs 20.0%, a 9.9% gap on every dollar of revenue. On growth, TSS, Inc. posted the faster year-over-year revenue change (21.8% vs 17.1%). HANMI FINANCIAL CORP produced more free cash flow last quarter ($203.7M vs $15.8M). Over the past eight quarters, TSS, Inc.'s revenue compounded faster (95.8% 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.
HAFC vs TSSI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $71.2M | $60.9M |
| Net Profit | $21.2M | $12.2M |
| Gross Margin | — | 17.6% |
| Operating Margin | 29.8% | 1.5% |
| Net Margin | 29.8% | 20.0% |
| Revenue YoY | 17.1% | 21.8% |
| Net Profit YoY | 20.0% | 535.7% |
| EPS (diluted) | $0.70 | $0.44 |
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 | $60.9M | ||
| Q3 25 | $71.0M | $41.9M | ||
| Q2 25 | $65.2M | $44.0M | ||
| Q1 25 | $62.8M | $99.0M | ||
| Q4 24 | $60.8M | $50.0M | ||
| Q3 24 | $58.5M | $70.1M | ||
| Q2 24 | $56.7M | $12.2M | ||
| Q1 24 | $58.4M | $15.9M |
| Q4 25 | $21.2M | $12.2M | ||
| Q3 25 | $22.1M | $-1.5M | ||
| Q2 25 | $15.1M | $1.5M | ||
| Q1 25 | $17.7M | $3.0M | ||
| Q4 24 | $17.7M | $1.9M | ||
| Q3 24 | $14.9M | $2.6M | ||
| Q2 24 | $14.5M | $1.4M | ||
| Q1 24 | $15.2M | $15.0K |
| Q4 25 | — | 17.6% | ||
| Q3 25 | — | 11.1% | ||
| Q2 25 | — | 17.8% | ||
| Q1 25 | — | 9.3% | ||
| Q4 24 | — | 14.4% | ||
| Q3 24 | — | 11.3% | ||
| Q2 24 | — | 37.3% | ||
| Q1 24 | — | 17.1% |
| Q4 25 | 29.8% | 1.5% | ||
| Q3 25 | 31.1% | -2.2% | ||
| Q2 25 | 23.2% | 5.1% | ||
| Q1 25 | 28.1% | 4.2% | ||
| Q4 24 | 29.1% | 0.0% | ||
| Q3 24 | 25.5% | 5.4% | ||
| Q2 24 | 25.5% | 14.0% | ||
| Q1 24 | 26.0% | 1.6% |
| Q4 25 | 29.8% | 20.0% | ||
| Q3 25 | 31.1% | -3.6% | ||
| Q2 25 | 23.2% | 3.4% | ||
| Q1 25 | 28.1% | 3.0% | ||
| Q4 24 | 29.1% | 3.8% | ||
| Q3 24 | 25.5% | 3.8% | ||
| Q2 24 | 25.5% | 11.5% | ||
| Q1 24 | 26.0% | 0.1% |
| Q4 25 | $0.70 | $0.44 | ||
| Q3 25 | $0.73 | $-0.06 | ||
| Q2 25 | $0.50 | $0.06 | ||
| Q1 25 | $0.58 | $0.12 | ||
| Q4 24 | $0.58 | $0.08 | ||
| Q3 24 | $0.49 | $0.10 | ||
| Q2 24 | $0.48 | $0.06 | ||
| Q1 24 | $0.50 | $0.00 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $85.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $796.4M | $76.6M |
| Total Assets | $7.9B | $184.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $85.5M | ||
| Q3 25 | — | $70.7M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $23.2M | ||
| Q3 24 | — | $46.4M | ||
| Q2 24 | — | $8.3M | ||
| Q1 24 | — | $14.4M |
| Q4 25 | $796.4M | $76.6M | ||
| Q3 25 | $779.5M | $63.4M | ||
| Q2 25 | $762.8M | $9.5M | ||
| Q1 25 | $751.5M | $9.4M | ||
| Q4 24 | $732.2M | $7.1M | ||
| Q3 24 | $736.7M | $7.7M | ||
| Q2 24 | $707.1M | $5.2M | ||
| Q1 24 | $703.1M | $3.7M |
| Q4 25 | $7.9B | $184.9M | ||
| Q3 25 | $7.9B | $165.4M | ||
| Q2 25 | $7.9B | $139.5M | ||
| Q1 25 | $7.7B | $113.5M | ||
| Q4 24 | $7.7B | $96.6M | ||
| Q3 24 | $7.7B | $67.3M | ||
| Q2 24 | $7.6B | $28.9M | ||
| Q1 24 | $7.5B | $26.8M |
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 | $16.3M |
| Free Cash FlowOCF − Capex | $203.7M | $15.8M |
| FCF MarginFCF / Revenue | 286.2% | 25.9% |
| Capex IntensityCapex / Revenue | 3.2% | 0.9% |
| Cash ConversionOCF / Net Profit | 9.70× | 1.34× |
| TTM Free Cash FlowTrailing 4 quarters | $356.1M | $2.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $206.0M | $16.3M | ||
| Q3 25 | $146.9M | $-18.4M | ||
| Q2 25 | $-19.0M | $16.3M | ||
| Q1 25 | $25.8M | $20.6M | ||
| Q4 24 | $52.6M | $-21.6M | ||
| Q3 24 | $6.7M | $38.6M | ||
| Q2 24 | $2.1M | $-4.3M | ||
| Q1 24 | $30.0M | $2.6M |
| Q4 25 | $203.7M | $15.8M | ||
| Q3 25 | $146.4M | $-24.9M | ||
| Q2 25 | $-19.6M | $5.4M | ||
| Q1 25 | $25.6M | $5.8M | ||
| Q4 24 | $49.9M | $-28.4M | ||
| Q3 24 | $6.5M | $38.6M | ||
| Q2 24 | $1.3M | $-6.0M | ||
| Q1 24 | $29.2M | $2.6M |
| Q4 25 | 286.2% | 25.9% | ||
| Q3 25 | 206.3% | -59.3% | ||
| Q2 25 | -30.0% | 12.3% | ||
| Q1 25 | 40.7% | 5.8% | ||
| Q4 24 | 82.1% | -56.7% | ||
| Q3 24 | 11.1% | 55.1% | ||
| Q2 24 | 2.3% | -49.4% | ||
| Q1 24 | 50.0% | 16.4% |
| Q4 25 | 3.2% | 0.9% | ||
| Q3 25 | 0.8% | 15.3% | ||
| Q2 25 | 0.9% | 24.8% | ||
| Q1 25 | 0.4% | 15.0% | ||
| Q4 24 | 4.3% | 13.4% | ||
| Q3 24 | 0.4% | 0.1% | ||
| Q2 24 | 1.4% | 13.8% | ||
| Q1 24 | 1.4% | 0.2% |
| Q4 25 | 9.70× | 1.34× | ||
| Q3 25 | 6.66× | — | ||
| Q2 25 | -1.26× | 11.02× | ||
| Q1 25 | 1.46× | 6.93× | ||
| Q4 24 | 2.97× | -11.32× | ||
| Q3 24 | 0.45× | 14.60× | ||
| Q2 24 | 0.14× | -3.09× | ||
| Q1 24 | 1.98× | 176.40× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
HAFC
Segment breakdown not available.
TSSI
| Procurement Revenues Segment | $43.2M | 71% |
| System Integration Services Segment | $14.2M | 23% |
| Facilities Segment | $3.5M | 6% |
