Is HAFC or HBANZ more undervalued in 2026?

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

Which is a better buy — HAFC or HBANZ?

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 HBANZ valuations compare?

HAFC at $30.17 and HBANZ at $20.47 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

HAFC vs HBANZ 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

HBANZ

Banks - Regional

Huntington Bancshares Incorpora

Quality

8.3

out of 10

Value Trap

SAFE

Price

$20.47

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	HAFC Fair Value	HAFC Upside	HBANZ Fair Value	HBANZ Upside
Bayesian DCF	Intrinsic	$42.60	+41.2%	$7.72	-62.3%
Earnings Power Value	Intrinsic	$22.77	-24.5%	$11.88	-42.0%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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HAFC vs HBANZ — Which Stock Is More Undervalued?

HAFC scores higher with a 9.1/10 quality rating vs HBANZ'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 (HBANZ) 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 HBANZ trades at $20.47 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).