Hanmi Financial Corporation (HAFC) AI Stock Analysis

Hanmi Financial Corporation operates as the holding company for Hanmi Bank, established in 1982 and headquartered in Los Angeles, California. The bank offers business banking products and services, including checking accounts, savings accounts, money market accounts, and certificates of deposit. Its lending services encompass commercial property, construction, residential mortgages, lines of credit, and Small Business Administration (SBA) loans. Hanmi Financial also provides international finance and trade services, such as letters of credit and import/export financing. The bank operates a regional network of 35 full-service branches and 8 loan production offices across states such as California, Texas, New York, and Virginia.

Hanmi Financial grew annual revenue from $256.8M in FY2021 to $444.7M in FY2025, reflecting a 5-year revenue CAGR of 10.9%. Annual revenue growth was 19.9% in FY2022, 29.1% in FY2023, 8.0% in FY2024, and 3.5% in FY2025. Over the same span, net income shifted from $98.7M in FY2021 down to $62.2M in FY2024, before rising to $76.1M in FY2025 with a net margin of 17.1%. For the trailing twelve months, revenue totaled $277.9M with an operating margin of 45.0% and EPS of $2.96. In the latest quarter ending June 30, 2026, quarterly revenue grew 23.3% year-over-year, while quarterly earnings grew 58.0%.

As of June 30, 2026, Hanmi Financial held $1.23B in cash and short-term investments against $130.8M in total debt, resulting in net cash of $1.10B. Shareholders' equity stood at $812.7M on total assets of $8.00B, with a debt-to-equity ratio of 0.16 and a current ratio of 0.20. For FY2025, the company generated $206.0M in operating cash flow and $203.7M in free cash flow. Capital expenditures were $2.3M, while capital returns included $9.4M in share buybacks and $32.6M in dividends paid.

Hanmi Financial trades at a trailing P/E of 10.5x and a forward P/E of 8.6x, compared to the median of its US-listed Financial Services peers at 12.1x trailing and 10.8x forward. Its price-to-sales ratio is 3.3x, slightly above the peer median of 3.2x, while its price-to-book ratio is 1.2x and PEG ratio is 1.39. The company has an enterprise value of $751.2M and a market cap of $922.7M. Over the past year, the stock returned 40.8%, outpacing the S&P 500 return of 16.8%, and gained 97.1% over five years versus 83.0% for the S&P 500.

Hanmi Financial pays a quarterly dividend with an annual forward dividend of $1.12 per share, yielding 3.60% as of October 16, 2026. The dividend payout ratio is 37.4%. The company has paid dividends for 14 consecutive years, recording a 5-year annualized dividend growth rate of 15.7%. The last ex-dividend date was August 3, 2026.

Wall Street analysts maintain 1 Buy and 3 Hold ratings on Hanmi Financial, with 0 Sell or Strong Sell ratings. The mean price target is $34.25, representing an upside of 10.1% over the last close of $31.12 on October 16, 2026. For the fiscal year ending December 31, 2026, analysts estimate revenue of $296.3M and EPS of $3.19, indicating 27.0% EPS growth. Hanmi beat EPS estimates in 3 of the last 4 quarters. The next earnings date is October 27, 2026.

This page is an AI-written research summary of Hanmi Financial Corporation (HAFC). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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