Hanmi Financial vs Equity Bancshares

This page compares Hanmi Financial Corp and Equity Bancshares Inc to help readers understand their business models, financial performance, and market context. It presents a neutral view of how each organisation approaches markets, capital structures, and customer services, highlighting similarities and differences without offering recommendations. Educational content, not financial advice.

This page compares Hanmi Financial Corp and Equity Bancshares Inc to help readers understand their business models, financial performance, and market context. It presents a neutral view of how each or...

Comparison Snapshot

Key Financial Metrics

HAFC

Metric

EQBK

$841.44M

Market Cap

$990.07M

4.91%

Potential Profit

3.27%

Buy

Analyst Rating

Buy

Investment Analysis

Hanmi Financial

HAFC

Pros

Hanmi Financial has a strong return on equity of around 17%, demonstrating effective management and shareholder value creation.
The bank serves niche markets including Korean-American and multi-ethnic communities, providing focused business banking and real estate loans.
It maintains a solid dividend yield above 4%, supporting income-oriented investors with consistent cash returns.

Considerations

Revenue and net income declined by approximately 7.7% and 22.4% respectively in 2024, indicating some recent profitability challenges.
Net income showed quarter-over-quarter decline in early 2025 before rebounding in Q3, suggesting some volatility in earnings.
Hanmi Financial operates primarily in regional banking with exposure to economic cycles and local real estate market fluctuations.

Equity Bancshares

EQBK

Pros

Equity Bancshares has demonstrated consistent revenue and earnings growth driven by expanding community banking services.
The company operates with a diversified loan portfolio, reducing single-sector risk and supporting stable net interest margins.
It has a strong capital position with solid liquidity ratios, providing financial flexibility for future growth or economic stress.

Considerations

Equity Bancshares faces regulatory and interest rate risks typical of regional banks impacting loan demand and net interest income.
Its business footprint is concentrated in regional markets, increasing exposure to local economic downturns and competition.
Operating efficiency metrics indicate room for improvement compared to peer group averages, potentially affecting profitability.

About The Companies

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.

Equity Bancshares (EQBK)

Equity Bancshares, Inc. is the holding company for Equity Bank, a community-focused financial institution. It offers a comprehensive range of banking services to individuals and businesses, including commercial loans, personal banking, mortgage lending, and wealth management. With its headquarters in Kansas, the company has established a significant presence across the American Midwest, operating full-service locations in Arkansas, Kansas, Missouri, Nebraska, and Oklahoma. This regional focus allows Equity Bank to build strong local relationships and cater to the specific financial needs of its communities. For potential investors, Equity Bancshares represents a traditional banking model with deep regional roots and a diversified service portfolio. As with any financial institution, its performance can be influenced by economic conditions and interest rate changes, and past performance is not a guarantee of future returns.

Which Baskets Do They Appear In?

Hang Seng Deal Explained | Regional Banking Dynamics

HSBC has proposed a multi-billion dollar deal to take Hang Seng Bank private, signaling a major investment in the Hong Kong financial market. This strategic move could trigger a wave of consolidation, creating opportunities among other regional banks and financial institutions poised for growth or acquisition.

Published: October 10, 2025

Explore Basket

Which Baskets Do They Appear In?

Hang Seng Deal Explained | Regional Banking Dynamics

HSBC has proposed a multi-billion dollar deal to take Hang Seng Bank private, signaling a major investment in the Hong Kong financial market. This strategic move could trigger a wave of consolidation, creating opportunities among other regional banks and financial institutions poised for growth or acquisition.

Published: October 10, 2025

Explore Basket

Discover More Comparisons

Hanmi Financial vs United Fire Group

Hanmi Financial vs HBT Financial

Flaherty & Crumrine Preferred and Income Securities Fund vs Equity Bancshares

Hanmi Financial vs Equity Bancshares

Comparison Snapshot