Saturday 17 October 2026 Export HAFC’s income statement to Excel — free account

Hanmi Financial Corporation

Hanmi Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $444.9 million, up 3.38% from fiscal 2024. In the quarter to June 2026, revenue grew 2.07%, EPS grew 58.0%, free cash flow grew 48.0% and total debt fell 20.4%, each against the same quarter a year earlier. Dividend growth for five consecutive years, revenue growth for three.

31.10 0.16 +0.52%

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Market cap: $917.4M
P/E: 10.4×
Fwd P/E: 9.6×
Dividend yield: 3.57%
F-score: 8/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 0.28

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	1	—	—	—	—	1	—	1	—	—	—	—

Insider Ownership 1.74%

Capital & Financial Ratios $m

Market Cap 917.35

Revenue 450.88

Net Income 89.36

Free Cash Flow 210.13

Net Debt (125.40)

Current Ratio 0.98

Debt/Equity 0.25

P/E ratio 10.40

Fwd P/E 9.63

P/S ratio 2.04

P/B ratio 1.13

Past 5Y EPS Growth 12.71%

This Y EPS Growth 26.49%

Next Y EPS Growth 5.91%

Next Y revenue growth (33.40%)

Next 5Y EPS Growth 9.33%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 37.49%

10-year low 10-year high

P/S against its own 10 years 41.36%

10-year low 10-year high

P/B against its own 10 years 54.70%

10-year low 10-year high

Dividends

Payout Ratio 0.37

Annual Dividend Rate 1.11

Annual Dividend Yield 3.57%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	1.12	0.28 0.28 0.28
2025	1.08	0.27 0.27 0.27 0.27
2024	1.00	0.25 0.25 0.25 0.25
2023	1.00	0.25 0.25 0.25 0.25
2022	0.94	0.22 0.22 0.25 0.25
2021	0.54	0.10 0.12 0.12 0.20
2020	0.52	0.24 0.12 0.08 0.08
2019	0.96	0.24 0.24 0.24 0.24
2018	0.96	0.24 0.24 0.24 0.24
2017	0.80	0.19 0.19 0.21 0.21
2016	0.66	0.14 0.14 0.19 0.19

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	302	305	213	331
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	6,451	6,519	6,738	6,838

	2023	2024	2025	Q'26
Payables	6,281	6,436	6,678	6,955
ST’ Debt	—	—	—	—
Other	—	—	—	—
	6,413	6,551	6,792	6,983

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%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	111	112	—	—	—
’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.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.75	0.79	—	—	—
’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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	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
	High	35.40	35.85	32.46	24.09	20.17	24.89	28.84	25.51	27.59	29.46
People
People	Employees	638	642	635	633	602	591	626	615	597	610
	Revenue/emp, $m	0.33	0.38	0.41	0.43	0.44	0.44	0.49	0.66	0.72	0.73
Income, $m
Income, $m	Revenue	212	243	259	274	267	257	308	404	430	445
	Gross margin, %	91.36	86.60	79.38	74.15	83.91	91.59	88.26	63.31	54.46	60.72
	EBT	89	95	84	47	59	135	141	115	89	108
	EBT margin, %	42.25	39.25	32.43	17.26	22.29	52.69	45.69	28.40	20.59	24.26
	Net income	56	55	58	33	42	99	101	80	62	76
	Depreciation	15	13	11	10	11	16	15	6	6	6
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
	Earnings	1.76	1.70	1.81	1.06	1.38	3.22	3.33	2.63	2.06	2.53
	Cash flow	1.86	2.55	2.40	1.91	1.99	3.08	4.86	3.61	1.75	6.90
	Capex	(0.02)	(0.03)	(0.12)	0.13	(0.12)	(0.09)	(0.06)	0.16	0.01	(0.08)
	Free cash flow	1.84	2.52	2.28	2.05	1.87	3.00	4.80	3.77	1.76	6.82
	Book value	16.65	17.54	17.31	18.33	19.06	21.17	21.04	23.19	24.39	26.68
	Shares, m	32	32	32	31	30	30	30	30	30	30
Valuation, ×
Valuation, ×	P/E	19.89	17.68	10.88	18.69	8.22	7.31	7.41	7.36	11.47	10.68
	P/S	5.28	3.97	2.43	2.24	1.29	2.80	2.42	1.45	1.65	1.81
	P/B	2.10	1.71	1.14	1.09	0.60	1.12	1.17	0.83	0.97	1.01
	EV/Sales	6.16	4.44	2.50	2.56	0.83	1.80	2.83	1.83	1.85	2.15
	EV/FCF	22.23	13.33	8.86	11.15	3.89	5.09	6.00	6.48	15.12	4.68
Cash, $m
Cash, $m	Operating cash flow	59	82	77	59	60	94	147	109	53	206
	Capex	(1)	(1)	(4)	4	(4)	(3)	(2)	5	0	(2)
	Free cash flow	59	81	73	63	57	91	145	114	53	204
Balance, $m
Balance, $m	Working capital	146	72	(22)	(78)	(147)	(149)	14	38	(33)	(54)
	Total debt	334	267	173	208	269	353	479	455	393	280
	Net debt	187	113	17	87	(123)	(256)	127	153	88	68
	Shareholders’ equity	531	562	553	563	577	643	638	702	732	796
Returns, %
Returns, %	ROA	1.25	1.10	1.07	0.59	0.72	1.51	1.42	1.07	0.82	0.98
	ROIC	7.81	8.81	9.30	4.55	8.19	21.88	11.50	8.38	6.75	7.81
	ROE	10.93	9.94	10.32	5.84	7.40	16.17	15.83	11.95	8.67	9.96

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
CAC Camden National Corporation	$944.0M	10.7×	9.4×	+1.16% (above 0%: growing)	+63.86% (above 0%: growing)	+557.83% (above 0%: growing)	72.13%	0.00%	Compare
CPF CPB Inc.	$929.5M	11.6×	10.8×	+2.39% (above 0%: growing)	+17.65% (above 0%: growing)	+23.90% (above 0%: growing)	83.01%	0.00%	Compare
TRST TrustCo Bank Corp NY	$919.8M	15.0×	9.1×	+6.20% (above 0%: growing)	+24.05% (above 0%: growing)	+2.59% (above 0%: growing)	69.96%	0.00%	Compare
HAFC Hanmi Financial Corporation	$917.4M	10.4×	9.6×	+2.07% (above 0%: growing)	+58.00% (above 0%: growing)	+48.02% (above 0%: growing)	64.66%	0.00%
NBBK NB Bancorp, Inc.	$913.3M	14.4×	10.2×	+39.49% (above 0%: growing)	+35.90% (above 0%: growing)	+19.91% (above 0%: growing)	63.66%	0.00%	Compare
MPB Mid Penn Bancorp	$911.3M	12.6×	11.6×	+24.51% (above 0%: growing)	+290.91% (above 0%: growing)	−3.90% (below 0%: shrinking)	70.72%	0.00%	Compare
FCBC First Community Bancshares, Inc.	$911.3M	15.3×	15.0×	+35.47% (above 0%: growing)	+77.61% (above 0%: growing)	+82.80% (above 0%: growing)	92.36%	0.00%	Compare
SBSI Southside Bancshares, Inc.	$909.2M	12.1×	9.8×	+6.52% (above 0%: growing)	+25.00% (above 0%: growing)	+1,301.48% (above 0%: growing)	60.49%	0.00%	Compare
FMNB Farmers National Banc Corp.	$900.6M	10.4×	9.4×	+43.94% (above 0%: growing)	+5.41% (above 0%: growing)	+114.21% (above 0%: growing)	70.09%	0.00%	Compare
Median of peers	$912.3M	12.3×	10.0×	+15.52%	+30.45%	+53.35%	70.41%	0.00%

All 323 Banks Regional stocks →

Hanmi Financial Corporation (HAFC) key facts

Strength: Hanmi Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $444.9 million, up 3.38% from fiscal 2024.
Strength: Net income was $76.1 million, or $2.53 per share (basic), a net margin of 17.1%.
Hanmi Financial Corporation (HAFC) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, HAFC traded at $31.10, a market capitalization of $917.4 million.
At that price the stock trades at 10.4× trailing-twelve-month earnings and 2.0× sales; its P/E is higher than 37% of its own readings over the past ten years.
Hanmi Financial Corporation pays an annual dividend of $1.11 per share, a yield of 3.57%, with a payout ratio of 37.4%.
Return on equity was 9.96% and debt-to-equity 0.25.
Its Piotroski F-score is 8 out of 9 for fiscal 2025.