Hanmi Financial Corporation logo

Hanmi Financial Corporation

HAFC

NASDAQFinancial ServicesBanks - Regional

Previous close

$31.11

−$0.04 · -0.13%

Aug 21, 4:00 PM ET

Pre-market

$31.259

+$0.149 · +0.48%

Aug 24, 6:57 AM ET

HAFC company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

76

Undervalued

Momentum

55

Neutral

Sentiment

69

Bullish

Risk resilience

75

Moderate Risk

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Company profile

Company website

Hanmi Financial Corporation serves as the parent company for Hanmi Bank, which delivers a wide spectrum of commercial banking solutions across the United States. The bank's diverse deposit offerings include checking accounts (both interest-bearing and non-interest-bearing), savings accounts, negotiable order of withdrawal (NOW) accounts, money market accounts, and certificates of deposit. Regarding lending, Hanmi provides various types of credit: Real Estate Loans: Covering commercial properties, construction projects, and residential homes. Commercial and Industrial Loans: Such as commercial term loans and lines of credit. International Finance and Trade Services: Including letters of credit and import/export financing. Consumer Loans: Encompassing general consumer loans, secured and unsecured options, home equity loans, residential mortgages, and credit cards. A significant focus is placed on assisting small and mid-sized businesses with Small Business Administration (SBA) and trade finance lending. These SBA programs support a range of business activities, including the acquisition of owner-occupied commercial real estate, funding for business acquisitions and startups, franchise financing, working capital, property improvements and renovations, inventory and equipment purchases, and debt refinancing. Additionally, equipment lease financing is available. As of February 28, 2022, Hanmi Financial operated a network comprising 35 full-service branches and 8 loan production offices situated across California, Texas, Illinois, Virginia, New Jersey, New York, Colorado, Washington, and Georgia. The institution was established in 1982 and maintains its headquarters in Los Angeles, California.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Bonita I. Lee
Listed since
Apr 6, 1994
Employees
608

Market position

Day range

Current $31.11

52-week range

Current $31.11

Open
$31.49
Previous close
$31.15
Volume
339.24K
1.32× average
Average volume
257.46K
Average daily volume
Market cap
926.03M USD
Beta
0.71
Market reference 1
50-day average
$31.9842
-2.73% below average
200-day average
$28.9263
+7.55% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
874.53M USD
P/E (TTM)
10.4×
P/B (TTM)
1.13×
P/S (TTM)
2.4×
EV / EBITDA
7.7×
Earnings yield
9.43%
Free cash flow yield
25.24%
Dividend yield
3.57%

Profitability & efficiency

Gross margin
56.36%
Operating margin
17.26%
Net margin
23.16%
Return on equity
9.55%
Return on assets
0.97%
Return on invested capital
6.58%

Financial health

Debt / equity
0.16×
Current ratio
0.16×
Altman Z-score
-0.61
Piotroski F-score
7 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends110%75%40%6%Gross margin, FY2021: 101.08%Gross margin, FY2022: 87.99%Gross margin, FY2023: 61.67%Gross margin, FY2024: 53.34%Gross margin, FY2025: 57.46%Operating margin, FY2021: 52.76%Operating margin, FY2022: 45.69%Operating margin, FY2023: 28.82%Operating margin, FY2024: 20.63%Operating margin, FY2025: 24.27%Net margin, FY2021: 38.43%Net margin, FY2022: 32.92%Net margin, FY2023: 20.13%Net margin, FY2024: 14.48%Net margin, FY2025: 17.11%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 101.08%. Gross margin FY2022 87.99%. Gross margin FY2023 61.67%. Gross margin FY2024 53.34%. Gross margin FY2025 57.46%. Operating margin FY2021 52.76%. Operating margin FY2022 45.69%. Operating margin FY2023 28.82%. Operating margin FY2024 20.63%. Operating margin FY2025 24.27%. Net margin FY2021 38.43%. Net margin FY2022 32.92%. Net margin FY2023 20.13%. Net margin FY2024 14.48%. Net margin FY2025 17.11%.

Income trends

Revenue

444.74M USD+3.55%

Operating income

107.93M USD+21.81%

Net income

76.09M USD+22.33%
Income trends across reported periods482.99M USD329.98M USD176.96M USD23.95M USDRevenue, FY2021: 256.8M USDRevenue, FY2022: 308.01M USDRevenue, FY2023: 397.56M USDRevenue, FY2024: 429.51M USDRevenue, FY2025: 444.74M USDOperating income, FY2021: 135.49M USDOperating income, FY2022: 140.73M USDOperating income, FY2023: 114.58M USDOperating income, FY2024: 88.61M USDOperating income, FY2025: 107.93M USDNet income, FY2021: 98.68M USDNet income, FY2022: 101.39M USDNet income, FY2023: 80.04M USDNet income, FY2024: 62.2M USDNet income, FY2025: 76.09M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 256.8M USD. Revenue FY2022 308.01M USD. Revenue FY2023 397.56M USD. Revenue FY2024 429.51M USD. Revenue FY2025 444.74M USD. Operating income FY2021 135.49M USD. Operating income FY2022 140.73M USD. Operating income FY2023 114.58M USD. Operating income FY2024 88.61M USD. Operating income FY2025 107.93M USD. Net income FY2021 98.68M USD. Net income FY2022 101.39M USD. Net income FY2023 80.04M USD. Net income FY2024 62.2M USD. Net income FY2025 76.09M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue444.74M USD429.51M USD397.56M USD308.01M USD256.8M USD
Cost of goods sold189.18M USD200.43M USD152.4M USD37M USD−2.78M USD
Gross profit255.56M USD229.08M USD245.17M USD271.01M USD259.58M USD
Selling, general, and administrative10.62M USD86.4M USD84.5M USD79.78M USD75.21M USD
Operating expenses147.64M USD140.48M USD130.58M USD130.28M USD124.09M USD
Interest income410.93M USD397.35M USD368.1M USD272.79M USD215.73M USD
Interest expense174.74M USD196.01M USD148.06M USD36.17M USD21.63M USD
Depreciation and amortization5.66M USD6.46M USD6.79M USD12.38M USD16.09M USD
Operating income107.93M USD88.61M USD114.58M USD140.73M USD135.49M USD
Net income76.09M USD62.2M USD80.04M USD101.39M USD98.68M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
73%
8 beats, 3 misses, 0 met estimates
Average EPS surprise
+1.21%
11 comparable reports
Latest EPS result
0.79
Estimate 0.77 · Beat by 2.86%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.850.720.590.46Q1 '25BeatQ2 '25BeatQ3 '25MissQ4 '25BeatQ1 '26MissQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 28, 2025: actual 0.58, estimate 0.53, surprise +9.43%, Beat. Q2 2025, reported Apr 22, 2025: actual 0.58, estimate 0.57, surprise +1.75%, Beat. Q3 2025, reported Jul 22, 2025: actual 0.5, estimate 0.62, surprise -19.35%, Miss. Q4 2025, reported Oct 21, 2025: actual 0.73, estimate 0.66, surprise +10.61%, Beat. Q1 2026, reported Jan 27, 2026: actual 0.7, estimate 0.71, surprise -1.41%, Miss. Q2 2026, reported Apr 21, 2026: actual 0.75, estimate 0.71, surprise +5.63%, Beat. Q3 2026, reported Jul 21, 2026: actual 0.79, estimate 0.768, surprise +2.86%, Beat. Q4 2026, reported Oct 20, 2026: actual —, estimate 0.81, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates78.14M71.36M64.58M57.8MQ1 '25MissQ2 '25MissQ3 '25MissQ4 '25MissQ1 '26MissQ2 '26BeatQ3 '26MissQ4 '26Estimate
Q1 2025, reported Jan 28, 2025: actual 60.81M USD, estimate 61.57M USD, surprise -1.23%, Miss. Q2 2025, reported Apr 22, 2025: actual 62.82M USD, estimate 63.43M USD, surprise -0.97%, Miss. Q3 2025, reported Jul 22, 2025: actual 65.61M USD, estimate 67.8M USD, surprise -3.23%, Miss. Q4 2025, reported Oct 21, 2025: actual 70.96M USD, estimate 71.4M USD, surprise -0.62%, Miss. Q1 2026, reported Jan 27, 2026: actual 71.18M USD, estimate 71.4M USD, surprise -0.31%, Miss. Q2 2026, reported Apr 21, 2026: actual 71.74M USD, estimate 71.4M USD, surprise +0.48%, Beat. Q3 2026, reported Jul 21, 2026: actual 72.21M USD, estimate 74.03M USD, surprise -2.47%, Miss. Q4 2026, reported Oct 20, 2026: actual —, estimate 75.13M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$33.67

8.23% upside
Past 12 months12-month forecastHigh $35.00Average $33.67Low $32.00

Rating distribution

11 ratings
Strong buy00%
Buy436%
Hold764%
Sell00%
Strong sell00%

Recent analyst actions

5 institutions
Janney Montgomery ScottupgradeNeutralBuy

HAFC news

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$1.08

2025 complete year+100.0% since 2021

2026 partial: $0.84

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Aug 3, 2026

$0.28

Quarterly

Record Aug 3, 2026 · Payment Aug 19, 2026

Dividend

Ex-dividend May 4, 2026

$0.28

Quarterly

Record May 4, 2026 · Payment May 20, 2026

Dividend

Ex-dividend Feb 9, 2026

$0.28

Quarterly

Record Feb 9, 2026 · Payment Feb 26, 2026

Dividend

Ex-dividend Nov 4, 2025

$0.27

Quarterly

Record Nov 4, 2025 · Payment Nov 20, 2025

Dividend

Ex-dividend Aug 4, 2025

$0.27

Quarterly

Record Aug 4, 2025 · Payment Aug 20, 2025

Dividend

Ex-dividend May 5, 2025

$0.27

Quarterly

Record May 5, 2025 · Payment May 21, 2025

HAFC peers

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Funds reporting this stock among their holdings, ordered by reported position size.

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