Flaherty & Crumrine Preferred and Income Securities Fund vs Hanmi Financial

This page compares the business models, financial performance, and market context of Flaherty & Crumrine Preferred and Income Securities Fund Inc and Hanmi Financial Corp. It presents neutral, accessible content to help readers understand how these organisations operate within their sector. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

FFC

Metric

HAFC

$794.45M

Market Cap

$841.44M

N/A

Potential Profit

4.91%

N/A

Analyst Rating

Buy

Investment Analysis

Flaherty & Crumrine Preferred and Income Securities Fund

FFC

Pros

Offers high current income with a dividend yield around 6.8%, attractive for income-focused investors.
Managed by one of the oldest and most experienced preferred securities managers, Flaherty & Crumrine Incorporated.
Invests predominantly in preferred and other income-producing securities with a focus on financial sector companies, providing sector specialization.

Considerations

Shares have experienced notable price volatility with a roughly 19% decline over the past year.
Exposure concentrated heavily in financial sector, which can increase susceptibility to sector-specific risks and regulatory changes.
Distribution partly sourced from return of capital and realized gains, which may affect sustainability of income.

Hanmi Financial

HAFC

Pros

Hanmi Financial has a substantial regional banking presence that supports steady core earnings generation.
The company has shown resilience with solid asset quality metrics relative to regional bank peers.
Diverse revenue streams including commercial and retail banking improve stability against economic cycles.

Considerations

Subject to fluctuations due to regional economic conditions and interest rate environment affecting net interest margins.
Faces competitive pressure from larger national banks and fintech companies in the financial services sector.
Potential regulatory and geopolitical risks related to their operational and lending focus, including exposure to commercial real estate.

About The Companies

Flaherty & Crumrine Preferred and Income Securities Fund (FFC)

Flaherty & Crumrine Preferred and Income Securities Fund (FFC) is a type of investment vehicle known as a closed-end fund. Its primary objective is to provide shareholders with a high level of current income, whilst also aiming to preserve the initial capital invested. To achieve this, the fund invests at least 80% of its assets in a portfolio of preferred stocks and other income-generating securities. Under normal market conditions, FFC has a notable focus on the financial industry, allocating at least a quarter of its portfolio to sectors like banking, insurance, and financial services. However, it also maintains the flexibility to invest in other areas such as utilities and industrials. As a closed-end fund, it trades on an exchange like a stock, and its market price can differ from its underlying net asset value. Professional management is provided by Flaherty & Crumrine Incorporated, who specialise in preferred securities.

Hanmi Financial (HAFC)

Hanmi Financial Corporation (HAFC) is a US-based regional bank holding company that provides commercial banking services, with a focus on lending to small and medium-sized businesses and real estate clients, particularly within Asian-American communities. Its business mix is driven by net interest income from loans and fee income from deposit and transactional services. With a market capitalisation of roughly $733 million, Hanmi is smaller than national banks and can be more sensitive to local economic conditions, credit cycles and interest-rate moves. Investors should note concentration risks in borrower segments and geography, plus regulatory and capital requirements that influence lending capacity and returns. Historically the company has distributed dividends, but payouts depend on earnings, capital and supervisory guidance. This summary is for educational purposes only and not investment advice; investors should review recent financial statements, regulatory filings and consider their own risk tolerance and investment goals before acting. Past performance is not a reliable indicator of future results.

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Trusted & Regulated

Part of Exinity Group 2015, serving over a million customers globally.

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6% Interest on Cash

Earn 6% AER on uninvested cash with daily interest payments.

Flaherty & Crumrine Preferred and Income Securities Fund vs Hanmi Financial

Comparison Snapshot

Investment Analysis

Flaherty & Crumrine Preferred and Income Securities Fund

Pros

Considerations

Hanmi Financial

Pros

Considerations

About The Companies

Which Baskets Do They Appear In?

Which Baskets Do They Appear In?

Buy FFC or HAFC in Nemo

Zero Commission

Trusted & Regulated

6% Interest on Cash

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Frequently asked questions

Comparison Snapshot

About The Companies

Flaherty & Crumrine Preferred and Income Securities Fund vs Hanmi Financial

Comparison Snapshot

Investment Analysis

Flaherty & Crumrine Preferred and Income Securities Fund

Pros

Considerations

Hanmi Financial

Pros

Considerations

About The Companies

Which Baskets Do They Appear In?

Which Baskets Do They Appear In?

Buy FFC or HAFC in Nemo

Zero Commission

Trusted & Regulated

6% Interest on Cash

Discover More Comparisons

Flaherty & Crumrine Preferred and Income Securities Fund vs Capitol Federal

Flaherty & Crumrine Preferred and Income Securities Fund vs HBT Financial

Flaherty & Crumrine Preferred and Income Securities Fund vs Equity Bancshares

Frequently asked questions

What is the core difference between a preferred income fund and a stock in a regional bank?

How does sector concentration affect risk and return in this comparison?

What does ‘distribution from return of capital’ mean for Stock A’s income?

What should an income-focused investor consider about Stock A’s dividend yield?

What are the main drivers of Hanmi Financial’s earnings outlook?

How might regulatory and economic factors alter the investment profile of Stock A vs Stock B?

What market contexts should readers consider when comparing performance?

How do price volatility and income stability interact in this comparison?

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Is this page designed to offer financial advice or merely educational content?

Comparison Snapshot

About The Companies