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Hanmi Financial Corporation

HAFC Financial Banks Regional

Hanmi Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $444.9 million, up 3.38% from fiscal 2024.

Revenue
+2.24%
EPS
+10.4%
Free cash flow
+48.0%
Total debt
−60.5%

Quarter to September 2026, against a year earlier

32.40 0.13 −0.40%
Market cap
$959.5M
P/E
10.6×
Fwd P/E
10.2×
Dividend yield
2.58%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 0.27
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — 1 — 1 — — — — —
Insider Ownership 1.83%

Capital & Financial Ratios $m

Size
Market Cap 959.53
Revenue ttm 453.46
Net income ttm 89.36
Free cash flow ttm 210.13
Net debt Q (272.43)
Valuation
P/E 10.63
Forward P/E 10.20
Price / sales 2.11
Forward P/S Powerpack
Price / FCF 4.56
Price / book 1.18
Financial health
Current ratio Q 0.96
Debt / equity Q 0.09
Interest coverage Q —
Growth
Revenue growth Q +2.24% (above 0%: growing)
Operating income growth Q +2.43% (above 0%: growing)
EPS, this year +26.89% (at or above 15%: strong)
EPS, next year A +7.69%
Revenue, next year A −33.02% (below 0%: weak)
EPS, past 5 yrs +12.71%
EPS, next 5 yrs A +12.93%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 40.63%
10-year low 10-year high
P/S against its own 10 years 44.74%
10-year low 10-year high
P/B against its own 10 years 63.07%
10-year low 10-year high

Dividends raised 2 years running

Yield
2.58%
Annual rate
0.84
Payout ratio
27.6%
Growth, 2018–26
+1.95%/yr
  1. 0.96 ’18
  2. 0.96 ’19 +0
  3. 0.52 ’20 −46
  4. 0.54 ’21 +4
  5. 0.94 ’22 +74
  6. 1.00 ’23 +6
  7. 1.00 ’24 +0
  8. 1.08 ’25 +8
  9. 1.12 ’26 +4
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 302 305 213 349
Receivables — — — —
Inventory — — — —
Other — — — —
6,451 6,519 6,738 6,904
2023 2024 2025 Q'26
Payables 6,281 6,436 6,678 7,056
ST’ Debt — — — —
Other — — — —
6,413 6,551 6,792 7,159

Compound Annual Growth %

10y 5y 3y
Sales 7.70% 10.75% 13.04%
Cash Flow 11.97% 27.89% 11.83%
Earnings 3.55% 12.51% (9.13%)
Book Value 4.89% 6.66% 7.70%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.81 Actual 0.80

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.71 0.70 Miss by 0.01
Q1 FY26 0.71 0.75 Beat by 0.04
Q2 FY26 0.77 0.79 Beat by 0.02
Q3 FY26 0.81 0.80 Miss by 0.01
Q4 FY26 0.85 — Reports 26 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.75 0.79 0.80 — —
’25 0.58 0.50 0.73 0.70 2.51
’24 0.50 0.48 0.49 0.58 2.05
’23 0.72 0.67 0.62 0.61 2.62
’22 0.68 0.82 0.89 0.93 3.32
’21 0.55 0.72 0.86 1.09 3.22
’20 0.08 0.30 0.53 0.47 1.38
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 111 112 118 — —
’25 107 109 115 113 445
’24 107 107 109 107 430
’23 96 99 105 104 404
’22 65 73 80 90 308
’21 62 63 68 64 257
’20 65 77 62 63 267
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 24 (9) — — —
’25 26 (18) 146 52 206
’24 30 2 7 14 53
’23 36 34 29 10 109
’22 20 31 50 47 147
’21 7 124 (65) 28 94
’20 24 0 16 20 60
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 23 (10) — — —
’25 26 (19) 145 51 204
’24 29 1 9 13 53
’23 36 33 38 8 114
’22 20 30 49 47 145
’21 6 123 (66) 28 91
’20 23 (1) 14 21 57
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.5
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 212 243 259 274 267 257 308 404 430 445 453 +8.6% 298 314 328 (9.7%)
Gross margin, % 91.36 86.60 79.38 74.15 83.91 91.59 88.26 63.31 54.46 60.72 64.33 (30.6) pt
EBT 89 95 84 47 59 135 141 115 89 108 125 +2.1%
EBT margin, % 42.25 39.25 32.43 17.26 22.29 52.69 45.69 28.40 20.59 24.26 27.52 (18.0) pt
Net income 56 55 58 33 42 99 101 80 62 76 89 +3.4%
Per share, $
Per share, $ Revenue 6.63 7.57 8.11 8.93 8.82 8.46 10.17 13.33 14.34 14.90 15.43 +9.4%
Earnings 1.76 1.70 1.81 1.06 1.38 3.22 3.33 2.63 2.06 2.53 3.07 +4.1%
Cash flow 1.86 2.55 2.40 1.91 1.99 3.08 4.86 3.61 1.75 6.90 0.00 +15.7%
Capex (0.02) (0.03) (0.12) 0.13 (0.12) (0.09) (0.06) 0.16 0.01 (0.08) 0.00 +14.4%
Free cash flow 1.84 2.52 2.28 2.05 1.87 3.00 4.80 3.77 1.76 6.82 0.00 +15.7%
Book value 16.65 17.54 17.31 18.33 19.06 21.17 21.04 23.19 24.39 26.68 27.50 +5.4%
Shares, m 32 32 32 31 30 30 30 30 30 30 30 (0.7%)
Valuation, ×
Valuation, × P/E 19.89 17.68 10.88 18.69 8.22 7.31 7.41 7.36 11.47 10.68 10.63 12.0
P/S 5.28 3.97 2.43 2.24 1.29 2.80 2.42 1.45 1.65 1.81 2.11 2.5
P/B 2.10 1.71 1.14 1.09 0.60 1.12 1.17 0.83 0.97 1.01 1.18 1.2
EV/Sales 6.16 4.44 2.50 2.56 0.83 1.80 2.83 1.83 1.85 2.15 — 2.7
EV/FCF 22.23 13.33 8.86 11.15 3.89 5.09 6.00 6.48 15.12 4.68 — 9.7
Cash, $m
Cash, $m Operating cash flow 59 82 77 59 60 94 147 109 53 206 213 +14.8%
Capex (1) (1) (4) 4 (4) (3) (2) 5 0 (2) (3) +13.6%
Free cash flow 59 81 73 63 57 91 145 114 53 204 210 +14.8%
Balance, $m
Balance, $m Working capital 146 72 (22) (78) (147) (149) 14 38 (33) (54) (255) n/m
Net debt 187 113 17 87 (123) (256) 127 153 88 68 (272) (10.7%)
Shareholders’ equity 531 562 553 563 577 643 638 702 732 796 808 +4.6%
Returns, %
Returns, % ROA 1.25 1.10 1.07 0.59 0.72 1.51 1.42 1.07 0.82 0.98 1.15 (0.3) pt
ROIC 7.81 8.81 9.30 4.55 8.19 21.88 11.50 8.38 6.75 7.81 14.56 0.0 pt
ROE 10.93 9.94 10.32 5.84 7.40 16.17 15.83 11.95 8.67 9.96 11.47 (1.0) pt
People
People Employees 638 642 635 633 602 591 626 615 597 610 — (0.5%)
Revenue/emp, $m 0.33 0.38 0.41 0.43 0.44 0.44 0.49 0.66 0.72 0.73 — +9.2%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026

Hanmi Financial Corporation vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
MCBS MetroCity Bankshares, Inc. $1.0B 11.8× 11.4× +23.15% (above 0%: growing) +23.53% (above 0%: growing) −202.65% (below 0%: shrinking) 64.69% 0.00% Compare
MBWM Mercantile Bank Corporation $1.0B 10.8× 10.7× +6.81% (above 0%: growing) −4.79% (below 0%: shrinking) +122.41% (above 0%: growing) 71.37% 0.00% Compare
EGBN Eagle Bancorp, Inc. $1.0B 23.6× 16.6× −14.05% (below 0%: shrinking) n/m +207.40% (above 0%: growing) 54.04% 0.00% Compare
EQBK Equity Bancshares, Inc. $1.0B 28.8× 10.6× +39.99% (above 0%: growing) +47.13% (above 0%: growing) +40.78% (above 0%: growing) 70.70% 0.00% Compare
CAC Camden National Corporation $978.7M 10.8× 10.8× −1.32% (below 0%: shrinking) +8.80% (above 0%: growing) −13.69% (below 0%: shrinking) 73.23% 0.00% Compare
CPF CPB Inc. $977.8M 11.5× 11.4× −0.51% (below 0%: shrinking) +28.99% (above 0%: growing) +31.44% (above 0%: growing) 82.63% 0.00% Compare
HAFC Hanmi Financial Corporation $959.5M 10.6× 10.2× +2.24% (above 0%: growing) +10.38% (above 0%: growing) +48.02% (above 0%: growing) 65.09% 0.00%
TRST TrustCo Bank Corp NY $934.5M 15.1× 9.1× +5.24% (above 0%: growing) +18.39% (above 0%: growing) +2.59% (above 0%: growing) 69.68% 0.00% Compare
THFF First Financial Corporation Indiana $910.8M 9.9× 10.1× +12.04% (above 0%: growing) +32.00% (above 0%: growing) +35.58% (above 0%: growing) 76.21% 0.00% Compare
Median of peers $994.4M 11.6× 10.8× +6.03% +23.53% +33.51% 71.04% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 15 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 2.56m 3.35m 297.00
2024 2.27m 3.08m 248.00
2023 2.07m 1.38m 193.00
2022 2.21m 2.54m 233.00
2021 1.87m 2.93m 215.00

Ownership

Directors and executive officers, together 2.12%
BlackRock, Inc. 14.71%
Dimensional Fund Advisors LP 5.86%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Hanmi Financial Corporation (HAFC) Latest News

28 Oct

Impact 4 · · Moby
Impact 3 · · Associated Press

27 Oct

Impact 4 · · GlobeNewswire earnings
Impact 3 · · MarketBeat
Impact 3 · · The Motley Fool transcript
Impact 3 · · Zacks
Impact 3 · · Zacks

23 Oct

Impact 3 · · Zacks

15 Oct

Impact 3 · · Zacks

7 Oct

Impact 3 · · Zacks

23 Sep

Impact 3 · · GlobeNewswire

21 Sep

Impact 3 · · Zacks

30 Jul

Impact 3 ·

22 Jul

Impact 4 · · Moby transcript
Impact 3 ·

21 Jul

Impact 3 · · MarketBeat transcript
Impact 3 ·
Impact 3 ·

7 Jul

Impact 4 ·

25 Apr

Impact 3 · · Simply Wall St.

22 Apr

Impact 4 · · GuruFocus.com

21 Apr

Impact 4 · · Moby
Impact 4 · · MarketBeat
Impact 4 · · Zacks
Impact 4 · · Zacks
Impact 4 · · GlobeNewswire

10 Apr

Impact 3 ·

5 Mar

Impact 3 · · GlobeNewswire

25 Feb

Impact 4 · · Simply Wall St.

10 Feb

Impact 4 · · Simply Wall St.
stockrow.com/HAFC · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com