Hanmi Financial Corporation HAFC
- Market cap
- $943.7M
- P/E
- 10.7×
Follow HAFC
Target Price Range
Analyst price targets
Free account| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 18.92 | 25.45 | 17.56 | 17.01 | 7.15 | 11.11 | 21.35 | 13.35 | 14.45 | 19.25 |
Analyst estimates 2026–2028 Powerpack |
Low Price
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| 35.40 | 35.85 | 32.46 | 24.09 | 20.17 | 24.89 | 28.84 | 25.51 | 27.59 | 29.46 |
High Price
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| 638 | 642 | 635 | 633 | 602 | 591 | 626 | 615 | 597 | 610 |
Employees
|
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| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 |
Revenue/Emp
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| 212 | 243 | 259 | 274 | 267 | 257 | 308 | 404 | 430 | 445 |
Revenue
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| 91.36% | 86.60% | 79.38% | 74.15% | 83.91% | 91.59% | 88.26% | 63.31% | 54.46% | 60.72% |
Gross Margin
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| 89 | 95 | 84 | 47 | 59 | 135 | 141 | 115 | 89 | 108 |
EBT
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| 42.25% | 39.25% | 32.43% | 17.26% | 22.29% | 52.69% | 45.69% | 28.40% | 20.59% | 24.26% |
EBT Margin
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| 56 | 55 | 58 | 33 | 42 | 99 | 101 | 80 | 62 | 76 |
Net Income
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| 15 | 13 | 11 | 10 | 11 | 16 | 15 | 6 | 6 | 6 |
Depreciation
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| 6.63 | 7.57 | 8.11 | 8.93 | 8.82 | 8.46 | 10.17 | 13.33 | 14.34 | 14.90 |
Revenue/Sh
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| 1.76 | 1.70 | 1.81 | 1.06 | 1.38 | 3.22 | 3.33 | 2.63 | 2.06 | 2.53 |
Earnings/Sh
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| 1.86 | 2.55 | 2.40 | 1.91 | 1.99 | 3.08 | 4.86 | 3.61 | 1.75 | 6.90 |
Cash Flow/Sh
|
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| (0.02) | (0.03) | (0.12) | 0.13 | (0.12) | (0.09) | (0.06) | 0.16 | 0.01 | (0.08) |
Capex/Sh
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| 1.84 | 2.52 | 2.28 | 2.05 | 1.87 | 3.00 | 4.80 | 3.77 | 1.76 | 6.82 |
Free CF/Sh
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| 16.65 | 17.54 | 17.31 | 18.33 | 19.06 | 21.17 | 21.04 | 23.19 | 24.39 | 26.68 |
Book Value/Sh
|
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| 32 | 32 | 32 | 31 | 30 | 30 | 30 | 30 | 30 | 30 |
Shares
|
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| 19.89 | 17.68 | 10.88 | 18.69 | 8.22 | 7.31 | 7.41 | 7.36 | 11.47 | 10.68 |
PE Ratio
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| 5.28 | 3.97 | 2.43 | 2.24 | 1.29 | 2.80 | 2.42 | 1.45 | 1.65 | 1.81 |
PS Ratio
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| 2.10 | 1.71 | 1.14 | 1.09 | 0.60 | 1.12 | 1.17 | 0.83 | 0.97 | 1.01 |
PB Ratio
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| 6.16 | 4.44 | 2.50 | 2.56 | 0.83 | 1.80 | 2.83 | 1.83 | 1.85 | 2.15 |
EV/Sales
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| 22.23 | 13.33 | 8.86 | 11.15 | 3.89 | 5.09 | 6.00 | 6.48 | 15.12 | 4.68 |
EV/FCF
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| 59 | 82 | 77 | 59 | 60 | 94 | 147 | 109 | 53 | 206 |
Op' Cash Flow
|
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| (1) | (1) | (4) | 4 | (4) | (3) | (2) | 5 | 0 | (2) |
Capex
|
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| 59 | 81 | 73 | 63 | 57 | 91 | 145 | 114 | 53 | 204 |
FCF
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| 146 | 72 | (22) | (78) | (147) | (149) | 14 | 38 | (33) | (54) |
Working Cap'
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| 334 | 267 | 173 | 208 | 269 | 353 | 479 | 455 | 393 | 280 |
Total Debt
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| 187 | 113 | 17 | 87 | (123) | (256) | 127 | 153 | 88 | 68 |
Net Debt
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| 531 | 562 | 553 | 563 | 577 | 643 | 638 | 702 | 732 | 796 |
Sh' Equity
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| 1.25% | 1.10% | 1.07% | 0.59% | 0.72% | 1.51% | 1.42% | 1.07% | 0.82% | 0.98% |
ROA
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| 7.81% | 8.81% | 9.30% | 4.55% | 8.19% | 21.88% | 11.50% | 8.38% | 6.75% | 7.81% |
ROIC
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| 10.93% | 9.94% | 10.32% | 5.84% | 7.40% | 16.17% | 15.83% | 11.95% | 8.67% | 9.96% |
ROE
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Hanmi Financial Corporation peers in Banks Regional
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| CPF CPB Inc. | $948.5M | 11.7× | Compare |
| TRST TrustCo Bank Corp NY | $958.7M | 15.6× | Compare |
| CAC Camden National Corporation | $961.4M | 11.0× | Compare |
| SBSI Southside Bancshares, Inc. | $921.1M | 12.2× | Compare |
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| NBBK NB Bancorp, Inc. | $918.6M | 14.9× | Compare |
| MPB Mid Penn Bancorp | $917.1M | 12.7× | Compare |
| FMNB Farmers National Banc Corp. | $908.9M | 10.5× | Compare |
| HBNC Horizon Bancorp (IN) | $986.8M | 0.0× | Compare |
Hanmi Financial Corporation (HAFC) key facts
- Hanmi Financial Corporation (HAFC) is a Banks Regional company in the Financial sector, listed on Nasdaq.
- Hanmi Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $444.9 million, up 3.38% from fiscal 2024.
- Net income was $76.1 million, or $2.53 per share (basic), a net margin of 17.1%.
- As of September 25, 2026, HAFC traded at $32.10, a market capitalization of $943.7 million.
- At that price the stock trades at 10.7× trailing-twelve-month earnings and 2.1× sales.
- Hanmi Financial Corporation pays an annual dividend of $1.00 per share, a yield of 6.78%, with a payout ratio of 31.2%.
- Return on equity was 9.96% and debt-to-equity 0.25.
Hanmi Financial Corporation (HAFC) Latest News
23 Sep
Hanmi Financial Corporation (NASDAQ: HAFC) and its subsidiary Hanmi Bank were named to Piper Sandler’s Sm-All Stars Class of 2026, recognizing strong performance in earnings growth, loan and deposit growth, return on average equity, asset quality, and capital. Only 25 U.S. banks and thrifts earned the honor; this is Hanmi Bank’s second Sm-All Stars recognition. Piper Sandler notes the award goes to institutions with market caps below $2.5 billion that exceed industry medians. Bonnie Lee, Hanmi’s president and CEO, says the recognition reflects its customer-relationship banking model, disciplined risk management, and dedicated staff. Headquartered in Los Angeles, Hanmi Bank operates 32 branches, five loan production offices, and three loan centers across California, Texas, Illinois, Virginia, New Jersey, New York, Colorado, Washington, and Georgia, focusing on real estate, commercial, SBA, and trade finance lending. Boosts investor sentiment and validates performance without changing operations.
21 Sep
Hanmi Financial (HAFC), a Los Angeles-based bank holding company, is paying a quarterly dividend of $0.28 ($1.12 annualized, 3.47% yield), higher than the Banks - West industry and the S&P 500. The stock is up about 19.6% year-to-date. The payout ratio stands at 38%, with five-year dividend growth averaging 26.7% and a 3.7% year-over-year dividend increase. The company expects solid earnings growth in the current fiscal year; Zacks Consensus projects 2026 EPS of $3.18, a roughly 26.7% rise from the prior year. The piece notes that high-yield stocks can struggle in rising-rate environments but argues HAFC remains a compelling opportunity, aided by its dividend margin and a Zacks Rank of #3 (Hold). Projected 2026 earnings growth and attractive dividend metrics support a moderate positive impact, with no major strategic catalysts mentioned.
30 Jul
Hanmi Financial Corporation completed a $55.0 million subordinated debt offering. Subordinated debt issuance of this size strengthens HAFC capital structure with moderate effect on future performance.
22 Jul
Hanmi Financial Corporation held its Q2 2026 earnings call, outlining quarterly financial results, operational updates, and forward-looking guidance. Earnings call details directly shape investor views on financial health and strategy, driving potential share price movement.
Hanmi Financial Corporation reported strong net income growth in its Q2 2026 earnings call. Strong net income growth signals improved financial results likely to moderately affect HAFC stock and investor views.
21 Jul
Hanmi Financial Corporation discussed Q2 financial results, operational metrics, and outlook during its earnings call. Q2 earnings details can moderately influence near-term investor views and stock movement.
Hanmi Financial Corporation reported Q2 earnings that surpassed analyst estimates. Quarterly earnings beat offers moderate positive signal for near-term sentiment and performance but does not shift company trajectory.
Hanmi Financial Corporation (HAFC) announced its second quarter 2026 financial results. Quarterly earnings releases disclose performance metrics that typically move stock prices and investor sentiment.
7 Jul
Hanmi Financial Corporation announced second quarter 2026 earnings results and the date of the related conference call. Quarterly earnings releases directly move investor sentiment and near-term stock valuation for Hanmi Financial Corporation.
25 Apr
Analysts rework fair value targets for Hanmi Financial Corporation (HAFC), signaling a shift in the company's narrative and future outlook. Analyst revisions to fair value targets moderately influence HAFC's investor sentiment and market performance.
22 Apr
Hanmi Financial Corp's Q1 2026 earnings call highlighted strong commercial and industrial loan growth amid other positive financial developments. Strong C&I loan growth indicates significant positive momentum in core banking operations, likely enhancing future performance and investor confidence.
21 Apr
Hanmi Financial Corporation (HAFC) Q1 2026 earnings call summary covers quarterly financial results, loan growth, deposit trends, net interest margin, credit quality, and forward guidance amid economic conditions. Q1 earnings highlights directly shape HAFC's financial trajectory, stock valuation, and investor outlook through revealed performance metrics and guidance.
Hanmi Financial Corporation (HAFC) Q1 earnings call highlights key financial metrics, loan growth, deposit trends, net interest margin improvements, credit quality updates, and optimistic outlook amid economic challenges. Q1 earnings highlights reveal financial performance and guidance that significantly shape HAFC's market trajectory and investor confidence.
Hanmi Financial Corporation (HAFC) reported Q1 earnings, analyzing key metrics for insights into financial performance. Q1 earnings report highlights key metrics directly influencing HAFC's financial health and investor sentiment.
Hanmi Financial Corporation (HAFC) surpassed Q1 earnings and revenue estimates. Exceeding Q1 earnings and revenue estimates signals robust financial performance, likely boosting stock price and investor sentiment.
Hanmi Financial Corporation reported first quarter 2026 results. Quarterly earnings releases for banks like HAFC drive substantial shifts in stock price and investor outlook based on profitability, loan growth, and asset quality.
10 Apr
Analysts rework price targets for Hanmi Financial Corporation (HAFC), signaling a shift in the company's narrative and future outlook. Analyst price target revisions suggest moderately noticeable influence on HAFC's market sentiment and performance expectations.
5 Mar
Hanmi Financial Corporation issued its 2025 Annual Shareholder Letter. Annual shareholder letters outline performance, strategy, and outlook, influencing investor sentiment and financial expectations.
25 Feb
Hanmi Financial Corporation (HAFC) valuation narrative shifts positively as analysts raise price targets amid new share buyback announcements. Rising analyst targets and buybacks boost HAFC investor sentiment and signal strong financial confidence, likely driving significant stock performance gains.
10 Feb
Analysts have set a new target price of US$31.67 for Hanmi Financial Corporation (HAFC) amid expectations of a shift in the company's narrative. The anticipated changes are bolstered by recent buyback initiatives, which are expected to enhance shareholder value and improve market sentiment towards the stock. These developments suggest a positive outlook for HAFC's future performance. The new target price and buyback initiatives are likely to significantly influence investor sentiment and the company's market trajectory.
5 Feb
Hanmi Financial Corporation (HAFC) is highlighted as one of three undiscovered investment opportunities in the U.S. market, showcasing strong potential for growth. The article emphasizes HAFC's solid financial performance, strategic initiatives, and favorable market conditions that position it well for future success. Investors are encouraged to consider HAFC as a promising addition to their portfolios, given its competitive advantages and growth prospects. Significant strategic initiatives and favorable market conditions are expected to enhance HAFC's growth trajectory.
3 Feb
Hanmi Financial Corporation (NASDAQ:HAFC) announced an increase in its dividend for shareholders compared to the previous year, reflecting the company's strong financial performance and commitment to returning value to investors. The dividend increase indicates positive financial health, which may moderately influence investor sentiment and market performance.
29 Jan
Hanmi Financial Corporation has announced a 4% increase in its cash dividend, raising it to $0.28 per share. Additionally, the company has expanded its share repurchase authorization, signaling confidence in its financial position and commitment to returning value to shareholders. The increase in dividends and expanded repurchase authorization indicate a significant strategic move that could enhance investor sentiment and financial performance.
Hanmi Financial Corporation (HAFC) is currently being evaluated for potential undervaluation in the stock market. Analysts are examining various financial metrics and market conditions to determine if the stock presents a buying opportunity. Factors such as recent performance, market trends, and competitive positioning are being considered in this assessment. Investors are advised to weigh these insights against their own financial strategies before making decisions. Current evaluations suggest a moderate influence on Hanmi Financial's market performance due to potential undervaluation.
Hanmi Financial Corporation (HAFC) has experienced an 8.4% decline over the past four weeks, raising concerns among investors. Analysts suggest that the stock may be poised for a reversal due to several factors, including potential improvements in the banking sector and strategic initiatives by the company. Market sentiment could shift positively if these trends materialize, indicating a possible recovery for HAFC in the near future. The potential for a reversal in stock performance is influenced by market conditions and company strategies, but the overall effect is expected to be limited.
28 Jan
Hanmi Financial Corporation reported its Q4 2025 earnings, highlighting challenges faced during the quarter. The company discussed strategies to navigate these difficulties, focusing on maintaining financial stability and adapting to market conditions. Key performance metrics were reviewed, indicating areas of growth and concern. Management emphasized their commitment to long-term goals despite short-term obstacles. Moderate challenges and strategic responses could influence financial performance and market positioning.
27 Jan
Hanmi Financial Corporation (HAFC) reported its Q4 earnings, showcasing key financial metrics that reflect the company's performance. The results indicate a positive trend in revenue and net income, driven by strong loan growth and improved asset quality. Management highlighted strategic initiatives aimed at enhancing operational efficiency and expanding market presence. The outlook for the upcoming quarters appears optimistic, with expectations for continued growth in both lending and deposits. The earnings report indicates significant growth and strategic initiatives that could alter the company's trajectory and investor sentiment.
Hanmi Financial Corporation (HAFC) reported its Q4 2025 earnings, showcasing a strong performance with notable increases in net income and total assets. The company highlighted strategic initiatives aimed at enhancing operational efficiency and expanding its market presence. Management expressed optimism about future growth prospects, driven by a robust loan portfolio and effective risk management practices. Additionally, the bank's commitment to community engagement and customer service was emphasized as a key component of its strategy moving forward. Significant strategic initiatives and strong financial performance indicate a likely positive impact on future growth and market positioning.
Hanmi Financial Corporation reported its Q4 earnings, highlighting a solid performance with increased net income and improved asset quality. The company emphasized its strategic focus on growth and efficiency, alongside a commitment to enhancing shareholder value. Management discussed plans for future expansion and investment in technology to better serve customers. Overall, the earnings call reflected a positive outlook for the upcoming quarters. The earnings report indicates moderate improvements in financial performance and strategic direction, which may influence investor sentiment and operational aspects.
Hanmi Financial Corporation (HAFC) reported its fourth-quarter earnings, which fell short of analysts' expectations. The company's net income decreased compared to the previous year, attributed to higher expenses and lower interest income. Despite efforts to improve operational efficiency, the results raised concerns among investors about future profitability and growth potential. The stock reacted negatively following the announcement, reflecting market sentiment regarding the disappointing performance. Earnings miss may affect investor confidence and financial performance, but the overall impact is expected to be somewhat limited.