HAFCHANMI FINANCIAL CORP
National Commercial Banks
- Revenue
- $270M
- 15% YoY
- Operating margin
- 28.2%
- 6.1% YoY
- EBITDA
- $79M
- 21% YoY
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- AI in 10-K
- —
Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear271% of net incomeCash flow under 80% of net income
- Dilutive SBCClear1% of revenueOver 10% of revenue
- Payouts exceed cash flowClear20% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear0% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | — | $272M | $255M | $234M | $270M | 15% |
| Operating income | — | $101M | $80M | $62M | $76M | 22% |
| Net income | $99M | $101M | $80M | $62M | $76M | 22% |
| Operating cash flow | $94M | $147M | $109M | $53M | $206M | 292% |
| Capex | $3M | $2M | $2M | $3M | $2M | 12% |
| Stock-based comp | $2M | $3M | $3M | $4M | $4M | 0.6% |
| Buybacks | $6M | — | $4M | $6M | $9M | 49% |
| Dividends | $17M | $29M | $31M | $30M | $33M | 7.4% |
Deal filings
None.
13D filers
None on file.
Insider trading
No open-market trades in the last 12 months.
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2025 | $3M | $3M | 297 | 158 |
| FY2024 | $2M | $3M | 248 | 146 |
| FY2023 | $2M | $1M | 193 | 127 |
| FY2022 | $2M | $3M | 233 | 128 |
| FY2021 | $2M | $3M | 215 | 139 |