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Hanmi Financial Corporation HAFC R2KR3KFINANCIAL

Financial Services · Banks - Regional · United States
https://www.hanmi.com
Company Profile ↓
$32.06
+37.42% 1Y
Mkt Cap$950.56M
P/E10.79
P/B1.16
Div. Yield3.48%
52W High$33.02
52W Low$22.10
Book Value$27.62
EPS (TTM)$2.97

Company Overview

Hanmi Financial Corporation operates as the holding company for Hanmi Bank that provides business banking products and services in the United States. The company offers deposit products, including noninterest-bearing checking, negotiable order of withdrawal, savings, and money market accounts, as well as certificates of deposit. It also provides real estate loans, such as commercial property, construction, and residential property loans; and commercial and industrial loans comprising commercial term loan, and commercial lines of credit and international; equipment lease financing; and international finance and trade services and products, including letters of credit, and import and export financing. In addition, the company offers small business administration loans for business purposes, such as owner-occupied commercial real estate, business acquisitions, start-ups, franchise financing, working capital, improvements and renovations, inventory and equipment, and debt-refinancing. Hanmi Financial Corporation was founded in 1982 and is based in Los Angeles, California.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 12.5% per year over the last five years.

Reasonable Valuation

Trades at a P/E of 10.8, below the sector median of 14.5.

Healthy Margins

Maintains a net profit margin of 32.2%.

Conservative Balance Sheet

Carries low leverage with a debt-to-equity ratio of 0.35.

Dividend Income

Offers a dividend yield of 3.48%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $270.17M (+15.3% YoY); net profit $76.09M.
  • Trailing 12 Months Year-on-year growth — revenue +23.3%, earnings +58.0%.
  • 5-Year Trend Long-term compounding — revenue CAGR -0.2%, profit CAGR 12.5%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-0.21%
1 Year:23.30%

Compounded Profit Growth

5 Years:12.51%
1 Year:58.00%

Stock Price Performance

1 Year:+37.42%
6 Months:+26.74%
3 Months:+6.29%
1 Month:-0.37%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 91% of range
$22.10 $33.02
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)57.79 · Neutral
Price Performance
1M-0.37%
3M+6.29%
6M+26.74%
1Y+37.42%
Valuation vs Sector

P/E of 10.79 is below the sector median of 14.52 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 32.2%.
  • Profit CAGR of 12.5% over 5 years.
  • Attractive dividend yield of 3.48%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • Revenue declined at -0.2% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
10.79
Industry PE
14.52
Forward P/E
9.51
PEG Ratio
1.39
Book Value
$27.62
Price to Book
1.16
P/S
3.40
EV/EBITDA
-
Dividend Yield
3.48%

Growth (CAGR)

Revenue 5Y
-0.21%
Profit 5Y
12.51%
Revenue (YoY)
23.30%
Earnings (YoY)
58.00%

Profitability & Returns

ROCE
-
ROE
11.34%
ROA
1.13%
Profit Margin
32.15%
Op Margin
45.03%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.79
EPS (TTM)
$2.97

Balance Sheet & Liquidity

Debt/Equity
0.35
Quick Ratio
-
Current Ratio
-
Debt
$130.77M
Total Assets
$8.00B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
2.19%
Chg in Prom Hold
0.01%
FII / Inst Holding
95.87%
Chg in FII Hold
0.02%

Financial Snapshot

Enterprise Value
$950.56M
Total Revenue (TTM)
$277.92M
EBITDA
-
Free Cash Flow
$72.94M
Operating Cash Flow
$206.01M
Shares Outstanding
29.65M
Gross Margin
0.00%
Payout Ratio
37.04%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 HAFC Hanmi Financial Corporation R2KR3KFINANCIAL 32.06 10.79 $950.56M 3.48% - 11.34% -0.21% 12.51%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 358.64 15.37 $953.34B 1.68% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 506.03 15.07 $707.59B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 374.00 31.86 $637.34B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 579.21 31.82 $503.60B 0.60% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.68 14.48 $438.31B 2.03% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 759,350.00 15.07 $384.00B 0.00% - 10.50% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 107.11 15.30 $367.34B 3.62% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 217.72 17.59 $342.26B 2.15% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Jun 2015Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026Jun 2026
Revenue --------------------------------58.39M56.68M58.49M62.82M65.21M70.96M71.74M72.20M
Operating Income --------------------------------15.16M14.45M14.89M17.67M15.12M22.06M22.56M23.50M
Net Income 13.98M13.96M14.83M14.80M14.15M13.12M14.42M13.78M14.46M14.92M11.50M14.86M15.55M16.08M11.38M14.67M2.66M12.38M3.08M2.35M9.18M16.34M14.33M16.66M22.12M26.57M20.70M25.05M27.17M21.99M20.62M18.80M15.16M14.45M14.89M17.67M15.12M22.06M22.56M23.50M
Diluted EPS 0.440.440.460.460.440.410.450.430.450.460.360.460.480.500.370.480.090.400.100.080.300.530.470.540.720.860.680.820.890.720.670.620.500.480.490.580.500.730.750.79

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue -------------271.85M255.45M234.36M270.17M
Operating Income -------------101.39M80.04M62.20M76.09M
Net Income -122.28M-88.01M28.15M90.32M39.86M49.76M53.82M56.49M54.66M57.87M32.79M42.20M98.68M101.39M80.04M62.20M76.09M
Diluted EPS -20.56-7.461.382.871.261.561.681.751.691.791.061.383.223.322.622.052.51

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Jan 2012Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --2.91B2.74B-2.88B3.05B4.23B4.23B4.70B5.21B5.50B5.54B6.20B-7.38B7.57B7.68B7.87B
Current Assets -------------------
Cash & Equivalents ---------------352.42M302.32M304.80M212.84M
Inventory -------------------
Receivables ---------------18.54M23.37M22.94M24.47M
Total Liabilities --2.73B2.46B-2.50B2.65B3.78B3.74B4.17B4.65B4.95B4.97B5.62B-6.74B6.87B6.95B7.07B
Current Liabilities -------------------
Long Term Debt ---------------179.41M205.01M168.14M130.46M
Total Debt ---------------479.41M455.01M393.14M280.46M
Total Equity 263.92M149.74M173.26M285.61M285.61M377.25M400.08M453.39M493.92M531.02M562.48M552.57M563.27M577.04M-637.51M701.89M732.17M796.39M
Shares Outstanding ---------------33.71M33.92M34.15M34.29M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 92.26M226.44M49.24M52.83M60.72M25.47M66.53M59.35M81.66M76.64M58.80M60.20M93.73M147.31M109.25M52.56M206.01M
Investing Cash Flow 427.08M35.98M99.34M-37.16M-304.37M16.40M-20.27M-496.46M-520.18M-311.57M-44.55M-407.59M-447.04M-881.51M-211.45M-106.08M-384.32M
Financing Cash Flow -581.17M-166.82M-196.62M50.70M154.96M-62.90M-40.22M419.97M445.12M236.48M-47.95M617.55M570.43M477.65M52.10M56.00M86.35M
Capital Expenditure -988.00K-1.23M-1.17M-675.00K-1.02M-1.15M-1.15M-730.00K-843.00K-3.70M-------
Free Cash Flow 91.27M225.22M48.08M52.15M59.70M24.32M65.38M58.62M80.81M72.94M-------
Share Buybacks -------0036.07M7.36M2.20M6.13M-4.08M6.31M9.40M
Dividends Paid ----4.44M6.69M12.78M25.66M25.81M30.92M29.78M15.96M16.51M28.64M30.54M30.38M32.62M

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -------------37.3%31.3%26.5%28.2%
Net Margin % -------------37.3%31.3%26.5%28.2%
ROE % -81.7%-50.8%9.9%23.9%10.0%11.0%10.9%10.6%9.7%10.5%5.8%7.3%-15.9%11.4%8.5%9.6%
ROCE % -----------------

Shareholding Pattern

Insiders
2.19%
Institutions
95.87%
Public Float
98.01%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 14.80% 4.39M $136.66M
2 Dimensional Fund Advisors LP 6.02% 1.79M $55.63M
3 State Street Corporation 5.31% 1.58M $49.06M
4 LSV Asset Management 4.50% 1.33M $41.54M
5 Vanguard Capital Management LLC 4.44% 1.32M $41.04M
6 American Century Companies Inc 3.74% 1.11M $34.57M
7 Charles Schwab Investment Management, Inc. 3.52% 1.04M $32.50M
8 Geode Capital Management, LLC 2.95% 874.14K $27.22M
9 AQR Capital Management, LLC 2.68% 793.27K $24.70M
10 Vanguard Portfolio Management LLC 2.61% 773.60K $24.09M

Analyst View

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Latest News

Recent headlines for HAFC

Google News Mon, 07 Sep 2026

Are You Looking for a High-Growth Dividend Stock? - Yahoo Finance

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Google News Sat, 05 Sep 2026

How InvestingPro’s Fair Value spotted Hanmi Financial’s 65% gain By Investing.com - Investing.com

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Google News ue, 18 Aug 2026

Is Hanmi Financial (HAFC) Stock Undervalued Right Now? - qz.com

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Google News hu, 20 Aug 2026

Improvements At Hanmi Financial Corporation Support An Upgrade - Seeking Alpha

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Google News ue, 11 Aug 2026

Hanmi Financial executives to hold virtual investor meetings Aug. 11-12 - Stock Titan

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Google News Sun, 23 Aug 2026

Why Hanmi Financial (HAFC) is a Great Dividend Stock Right Now - Eastern Progress

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HAFC — Frequently Asked Questions

What is the current share price of Hanmi Financial Corporation (HAFC)?

As of 2026-09-07 16:24 PDT, Hanmi Financial Corporation (HAFC) trades at $32.06 on NasdaqGS. Its 52-week range is $22.10 to $33.02.

What is the market capitalisation of HAFC?

Hanmi Financial Corporation (HAFC) has a market capitalisation of $950.56M on NasdaqGS.

What is the P/E ratio of HAFC?

HAFC trades at a trailing price-to-earnings (P/E) ratio of 10.79. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 1.16.

Does HAFC pay a dividend?

Hanmi Financial Corporation (HAFC) currently offers a dividend yield of 3.48%.

What is the return on equity (ROE) of HAFC?

HAFC has a return on equity (ROE) of 11.34%.

Is HAFC a good stock to buy?

This page provides a data-driven analysis of Hanmi Financial Corporation (HAFC), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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