Is HAFC or HBANP more undervalued in 2026?

CirclFi compares Hanmi Financial Corporation (HAFC) and Huntington Bancshares Incorpora (HBANP) using 13 institutional-grade valuation models. HAFC has a Quality of Company score of 9.1/10 while HBANP scores 8.3/10.

Which is a better buy — HAFC or HBANP?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do HAFC and HBANP valuations compare?

HAFC at $30.17 and HBANP at $16.70 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

HAFC vs HBANP Valuation Comparison 2026 — Intrinsic Value Analysis

HAFC

Banks - Regional

Hanmi Financial Corporation

Quality

9.1

out of 10

Value Trap

SAFE

Price

$30.17

Last close

Models

11/13

Active

HBANP

Banks - Regional

Huntington Bancshares Incorpora

Quality

8.3

out of 10

Value Trap

SAFE

Price

$16.70

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	HAFC Fair Value	HAFC Upside	HBANP Fair Value	HBANP Upside
Bayesian DCF	Intrinsic	$42.60	+41.2%	$8.28	-50.4%
Earnings Power Value	Intrinsic	$22.77	-24.5%	$11.88	-28.9%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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HAFC vs HBANP — Which Stock Is More Undervalued?

HAFC scores higher with a 9.1/10 quality rating vs HBANP's 8.3/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Hanmi Financial Corporation (HAFC) and Huntington Bancshares Incorpora (HBANP) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

HAFC currently trades at $30.17 with a QOC of 9.1/10, while HBANP trades at $16.70 with a QOC of 8.3/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).