S&P 500   5,022.21
DOW   37,753.31
QQQ   425.84
ASML Fires Warning Shot For Tech Investors
Checking in with 5 Bitcoin Stocks Ahead of Bitcoin's Halving
Lululemon’s P/E Is Back to 2017 Levels: Should You Buy the Dip?
Closing prices for crude oil, gold and other commodities
Abbott Laboratories Outlook is Healthy: Buy the Dip
Stock market today: Asian shares gain despite Wall Street's tech-led retreat
Prologis Stock Leading U.S. Logistics Boom
S&P 500   5,022.21
DOW   37,753.31
QQQ   425.84
ASML Fires Warning Shot For Tech Investors
Checking in with 5 Bitcoin Stocks Ahead of Bitcoin's Halving
Lululemon’s P/E Is Back to 2017 Levels: Should You Buy the Dip?
Closing prices for crude oil, gold and other commodities
Abbott Laboratories Outlook is Healthy: Buy the Dip
Stock market today: Asian shares gain despite Wall Street's tech-led retreat
Prologis Stock Leading U.S. Logistics Boom
S&P 500   5,022.21
DOW   37,753.31
QQQ   425.84
ASML Fires Warning Shot For Tech Investors
Checking in with 5 Bitcoin Stocks Ahead of Bitcoin's Halving
Lululemon’s P/E Is Back to 2017 Levels: Should You Buy the Dip?
Closing prices for crude oil, gold and other commodities
Abbott Laboratories Outlook is Healthy: Buy the Dip
Stock market today: Asian shares gain despite Wall Street's tech-led retreat
Prologis Stock Leading U.S. Logistics Boom
S&P 500   5,022.21
DOW   37,753.31
QQQ   425.84
ASML Fires Warning Shot For Tech Investors
Checking in with 5 Bitcoin Stocks Ahead of Bitcoin's Halving
Lululemon’s P/E Is Back to 2017 Levels: Should You Buy the Dip?
Closing prices for crude oil, gold and other commodities
Abbott Laboratories Outlook is Healthy: Buy the Dip
Stock market today: Asian shares gain despite Wall Street's tech-led retreat
Prologis Stock Leading U.S. Logistics Boom

Compare Stocks

Comparative Price Performance Over Time

Compare Stocks - Price & Volume

CompanyCurrent Price50-Day Moving Average52-Week RangeMarket CapBetaAvg. VolumeToday's Volume
Alerus Financial Co. stock logo
ALRS
Alerus Financial
$19.92
-0.2%
$21.55
$13.11
$25.85
$393.22M0.6540,641 shs22,658 shs
Financial Institutions, Inc. stock logo
FISI
Financial Institutions
$16.34
-1.3%
$18.40
$13.84
$23.11
$252.45M0.8752,872 shs31,053 shs
The First of Long Island Co. stock logo
FLIC
First of Long Island
$10.11
+0.6%
$10.86
$8.79
$14.26
$227.07M0.64165,291 shs85,660 shs
Guaranty Bancshares, Inc. stock logo
GNTY
Guaranty Bancshares
$27.64
-0.3%
$29.69
$22.12
$35.00
$318.69M0.5314,931 shs22,758 shs
Hanmi Financial Co. stock logo
HAFC
Hanmi Financial
$14.50
+0.1%
$15.24
$13.35
$20.31
$439.06M0.95289,556 shs180,676 shs
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Price Performance

Company1-Day Performance7-Day Performance30-Day Performance90-Day Performance1-Year Performance
Alerus Financial Co. stock logo
ALRS
Alerus Financial
-0.15%+0.10%-4.32%-4.64%+27.69%
Financial Institutions, Inc. stock logo
FISI
Financial Institutions
-1.33%-2.80%-10.32%-24.18%-8.87%
The First of Long Island Co. stock logo
FLIC
First of Long Island
+0.60%-0.30%-4.89%-17.60%-18.86%
Guaranty Bancshares, Inc. stock logo
GNTY
Guaranty Bancshares
-0.65%-4.03%-6.34%-16.22%+18.83%
Hanmi Financial Co. stock logo
HAFC
Hanmi Financial
+0.14%-2.03%-3.20%-19.71%-18.63%

MarketRank™

CompanyOverall ScoreAnalyst's OpinionShort Interest ScoreDividend StrengthESG ScoreNews and Social Media SentimentCompany OwnershipEarnings & Valuation
Alerus Financial Co. stock logo
ALRS
Alerus Financial
4.6491 of 5 stars
2.04.03.33.73.30.83.1
Financial Institutions, Inc. stock logo
FISI
Financial Institutions
4.8493 of 5 stars
3.05.05.00.03.21.73.8
The First of Long Island Co. stock logo
FLIC
First of Long Island
4.6069 of 5 stars
0.05.03.30.02.02.53.8
Guaranty Bancshares, Inc. stock logo
GNTY
Guaranty Bancshares
3.1324 of 5 stars
2.20.02.50.02.23.32.5
Hanmi Financial Co. stock logo
HAFC
Hanmi Financial
4.6225 of 5 stars
3.04.03.32.81.31.72.5

Analyst Ratings

CompanyConsensus Rating ScoreConsensus RatingConsensus Price Target% Upside from Current Price
Alerus Financial Co. stock logo
ALRS
Alerus Financial
2.00
Hold$23.5017.97% Upside
Financial Institutions, Inc. stock logo
FISI
Financial Institutions
2.00
Hold$20.6726.48% Upside
The First of Long Island Co. stock logo
FLIC
First of Long Island
N/AN/AN/AN/A
Guaranty Bancshares, Inc. stock logo
GNTY
Guaranty Bancshares
2.33
Hold$33.3320.60% Upside
Hanmi Financial Co. stock logo
HAFC
Hanmi Financial
2.00
Hold$18.5027.59% Upside

Current Analyst Ratings

Latest HAFC, FLIC, FISI, GNTY, and ALRS Analyst Ratings

DateCompanyBrokerageActionRatingPrice TargetDetails
4/16/2024
Guaranty Bancshares, Inc. stock logo
GNTY
Guaranty Bancshares
Keefe, Bruyette & Woods
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Lower Price TargetMarket Perform ➝ Market Perform$35.00 ➝ $34.00
4/16/2024
Guaranty Bancshares, Inc. stock logo
GNTY
Guaranty Bancshares
Piper Sandler
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Lower Price TargetNeutral ➝ Neutral$34.00 ➝ $30.00
4/2/2024
Financial Institutions, Inc. stock logo
FISI
Financial Institutions
Keefe, Bruyette & Woods
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Reiterated RatingMarket Perform ➝ Market Perform$23.00
3/25/2024
Financial Institutions, Inc. stock logo
FISI
Financial Institutions
Piper Sandler
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Reiterated RatingOverweight ➝ Neutral$23.00 ➝ $19.00
1/30/2024
Alerus Financial Co. stock logo
ALRS
Alerus Financial
DA Davidson
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Boost Price TargetNeutral ➝ Neutral$23.00 ➝ $24.00
1/24/2024
Hanmi Financial Co. stock logo
HAFC
Hanmi Financial
Keefe, Bruyette & Woods
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Lower Price TargetMarket Perform ➝ Market Perform$20.00 ➝ $18.50
1/24/2024
Hanmi Financial Co. stock logo
HAFC
Hanmi Financial
Wedbush
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Lower Price TargetNeutral ➝ Neutral$21.00 ➝ $20.00
(Data available from 4/18/2021 forward. View 10+ years of historical ratings with our analyst ratings screener.)

Sales & Book Value

CompanyAnnual RevenuePrice/SalesCashflowPrice/CashBook ValuePrice/Book
Alerus Financial Co. stock logo
ALRS
Alerus Financial
$269.76M1.46$2.11 per share9.45$18.67 per share1.07
Financial Institutions, Inc. stock logo
FISI
Financial Institutions
$334.38M0.75$3.94 per share4.15$28.40 per share0.58
The First of Long Island Co. stock logo
FLIC
First of Long Island
$161.82M1.40$1.37 per share7.40$16.83 per share0.60
Guaranty Bancshares, Inc. stock logo
GNTY
Guaranty Bancshares
$179.01M1.78$3.03 per share9.11$26.35 per share1.05
Hanmi Financial Co. stock logo
HAFC
Hanmi Financial
$403.51M1.09$2.88 per share5.03$23.09 per share0.63

Profitability & Earnings

CompanyNet IncomeEPSTrailing P/E RatioForward P/E RatioP/E GrowthNet MarginsReturn on Equity (ROE)Return on Assets (ROA)Next Earnings Date
Alerus Financial Co. stock logo
ALRS
Alerus Financial
$11.70M$0.5734.9510.89N/A4.34%8.69%0.80%4/24/2024 (Confirmed)
Financial Institutions, Inc. stock logo
FISI
Financial Institutions
$50.26M$3.165.175.19N/A15.03%12.24%0.82%4/25/2024 (Confirmed)
The First of Long Island Co. stock logo
FLIC
First of Long Island
$26.24M$1.178.648.09N/A16.22%7.13%0.62%4/25/2024 (Confirmed)
Guaranty Bancshares, Inc. stock logo
GNTY
Guaranty Bancshares
$30.04M$2.4411.3311.10N/A15.56%8.74%0.82%7/15/2024 (Estimated)
Hanmi Financial Co. stock logo
HAFC
Hanmi Financial
$80.04M$2.625.536.39N/A19.84%11.88%1.08%4/23/2024 (Confirmed)

Latest HAFC, FLIC, FISI, GNTY, and ALRS Earnings

DateQuarterCompanyConsensus EstimateReported EPSBeat/MissGap EPSRevenue EstimateActual RevenueDetails
4/25/2024N/A
Financial Institutions, Inc. stock logo
FISI
Financial Institutions
$0.66N/A-$0.66N/AN/AN/A  
4/25/2024N/A
The First of Long Island Co. stock logo
FLIC
First of Long Island
$0.24N/A-$0.24N/AN/AN/A  
4/24/2024N/A
Alerus Financial Co. stock logo
ALRS
Alerus Financial
$0.31N/A-$0.31N/AN/AN/A  
4/23/2024N/A
Hanmi Financial Co. stock logo
HAFC
Hanmi Financial
$0.52N/A-$0.52N/AN/AN/A  
1/25/2024Q4 2023
Financial Institutions, Inc. stock logo
FISI
Financial Institutions
$0.73$0.61-$0.12$0.61$50.29 million$55.25 million
1/25/2024Q4 2023
The First of Long Island Co. stock logo
FLIC
First of Long Island
$0.27$0.27N/A$0.27$23.20 million$22.36 million
1/24/2024Q4 2023
Alerus Financial Co. stock logo
ALRS
Alerus Financial
$0.29$0.24-$0.05$1.21$45.00 million$46.99 million
1/23/2024Q4 2023
Hanmi Financial Co. stock logo
HAFC
Hanmi Financial
$0.60$0.61+$0.01$0.61$63.43 million$59.82 million

Dividends

CompanyAnnual PayoutDividend Yield3-Year Dividend GrowthPayout RatioYears of Consecutive Growth
Alerus Financial Co. stock logo
ALRS
Alerus Financial
$0.763.82%+16.14%133.34%7 Years
Financial Institutions, Inc. stock logo
FISI
Financial Institutions
$1.207.34%+4.89%37.97%13 Years
The First of Long Island Co. stock logo
FLIC
First of Long Island
$0.848.31%+12.88%71.79%N/A
Guaranty Bancshares, Inc. stock logo
GNTY
Guaranty Bancshares
$0.963.47%N/A39.34%3 Years
Hanmi Financial Co. stock logo
HAFC
Hanmi Financial
$1.006.90%+24.36%38.17%N/A

Latest HAFC, FLIC, FISI, GNTY, and ALRS Dividends

AnnouncementCompanyPeriodAmountYieldEx-Dividend DateRecord DatePayable Date
2/27/2024
Alerus Financial Co. stock logo
ALRS
Alerus Financial
Quarterly$0.193.48%3/14/20243/15/20244/12/2024
3/13/2024
Guaranty Bancshares, Inc. stock logo
GNTY
Guaranty Bancshares
quarterly$0.243.3%3/22/20243/25/20244/10/2024
2/13/2024
Financial Institutions, Inc. stock logo
FISI
Financial Institutions
Quarterly$0.306.24%3/14/20243/15/20244/2/2024
2/29/2024
The First of Long Island Co. stock logo
FLIC
First of Long Island
Quarterly$0.217.67%3/12/20243/13/20243/21/2024
1/25/2024
Hanmi Financial Co. stock logo
HAFC
Hanmi Financial
Quarterly$0.255.97%2/2/20242/5/20242/22/2024
(Data available from 1/1/2013 forward)

Debt

CompanyDebt-to-Equity RatioCurrent RatioQuick Ratio
Alerus Financial Co. stock logo
ALRS
Alerus Financial
0.16
0.83
0.83
Financial Institutions, Inc. stock logo
FISI
Financial Institutions
0.28
0.84
0.84
The First of Long Island Co. stock logo
FLIC
First of Long Island
1.24
0.98
0.98
Guaranty Bancshares, Inc. stock logo
GNTY
Guaranty Bancshares
0.63
0.89
0.89
Hanmi Financial Co. stock logo
HAFC
Hanmi Financial
0.65
1.01
1.00

Ownership

Institutional Ownership

CompanyInstitutional Ownership
Alerus Financial Co. stock logo
ALRS
Alerus Financial
51.25%
Financial Institutions, Inc. stock logo
FISI
Financial Institutions
60.45%
The First of Long Island Co. stock logo
FLIC
First of Long Island
48.33%
Guaranty Bancshares, Inc. stock logo
GNTY
Guaranty Bancshares
39.39%
Hanmi Financial Co. stock logo
HAFC
Hanmi Financial
88.66%

Miscellaneous

CompanyEmployeesShares OutstandingFree FloatOptionable
Alerus Financial Co. stock logo
ALRS
Alerus Financial
70919.74 million18.53 millionOptionable
Financial Institutions, Inc. stock logo
FISI
Financial Institutions
62415.45 million15.05 millionOptionable
The First of Long Island Co. stock logo
FLIC
First of Long Island
28822.46 million21.19 millionOptionable
Guaranty Bancshares, Inc. stock logo
GNTY
Guaranty Bancshares
48811.53 million8.49 millionOptionable
Hanmi Financial Co. stock logo
HAFC
Hanmi Financial
61530.28 million29.83 millionOptionable

HAFC, FLIC, FISI, GNTY, and ALRS Headlines

SourceHeadline
Analysts Estimate Hanmi Financial (HAFC) to Report a Decline in Earnings: What to Look Out forAnalysts Estimate Hanmi Financial (HAFC) to Report a Decline in Earnings: What to Look Out for
zacks.com - April 16 at 11:06 AM
Hanmi Financial (HAFC) Scheduled to Post Quarterly Earnings on TuesdayHanmi Financial (HAFC) Scheduled to Post Quarterly Earnings on Tuesday
americanbankingnews.com - April 16 at 2:36 AM
Hanmi Financial (NASDAQ:HAFC) shareholders have endured a 15% loss from investing in the stock five years agoHanmi Financial (NASDAQ:HAFC) shareholders have endured a 15% loss from investing in the stock five years ago
finance.yahoo.com - April 15 at 11:13 AM
Hanmi Financial Corporation Announces First Quarter 2024 Earnings and Conference Call DateHanmi Financial Corporation Announces First Quarter 2024 Earnings and Conference Call Date
globenewswire.com - April 9 at 4:05 PM
Hanmi Releases 2023 Annual Shareholder LetterHanmi Releases 2023 Annual Shareholder Letter
globenewswire.com - April 4 at 4:30 PM
Assenagon Asset Management S.A. Lowers Stock Position in Hanmi Financial Co. (NASDAQ:HAFC)Assenagon Asset Management S.A. Lowers Stock Position in Hanmi Financial Co. (NASDAQ:HAFC)
marketbeat.com - April 2 at 4:39 AM
Hanmi Financial Co. (NASDAQ:HAFC) to Post Q1 2024 Earnings of $0.54 Per Share, Wedbush ForecastsHanmi Financial Co. (NASDAQ:HAFC) to Post Q1 2024 Earnings of $0.54 Per Share, Wedbush Forecasts
marketbeat.com - March 28 at 8:22 AM
SCHD: The Rebalance Is CompleteSCHD: The Rebalance Is Complete
seekingalpha.com - March 18 at 11:53 AM
Cambridge Remains Committed to Investors, Upholding Stability during Decreased EarningsCambridge Remains Committed to Investors, Upholding Stability during Decreased Earnings
benzinga.com - February 22 at 3:22 PM
Hanmi Financial Stock (NASDAQ:HAFC), Short Interest ReportHanmi Financial Stock (NASDAQ:HAFC), Short Interest Report
benzinga.com - February 22 at 3:22 PM
New Strong Sell Stocks for February 20thNew Strong Sell Stocks for February 20th
zacks.com - February 20 at 8:25 AM
HAFC Mar 2024 20.000 callHAFC Mar 2024 20.000 call
finance.yahoo.com - February 17 at 9:41 AM
Hanmi Financial: Over 6% Dividend Yield, Upgrading To BuyHanmi Financial: Over 6% Dividend Yield, Upgrading To Buy
seekingalpha.com - February 6 at 9:00 AM
New Strong Sell Stocks for January 29thNew Strong Sell Stocks for January 29th
nasdaq.com - January 30 at 8:37 AM
James Marasco Appointed to the Board of Hanmi Financial CorporationJames Marasco Appointed to the Board of Hanmi Financial Corporation
markets.businessinsider.com - January 25 at 1:48 PM
Hanmi Financial Corporation (NASDAQ:HAFC) Q4 2023 Earnings Call TranscriptHanmi Financial Corporation (NASDAQ:HAFC) Q4 2023 Earnings Call Transcript
finance.yahoo.com - January 25 at 1:48 PM
Hanmi Financial just downgraded at Janney Montgomery Scott, heres whyHanmi Financial just downgraded at Janney Montgomery Scott, here's why
realmoney.thestreet.com - January 24 at 10:47 PM
Hanmi Financial: Hold Rating Affirmed Amidst Mixed Financial Indicators and Cautious OutlookHanmi Financial: Hold Rating Affirmed Amidst Mixed Financial Indicators and Cautious Outlook
markets.businessinsider.com - January 24 at 10:47 PM
Hanmi Financial Corp (HAFC) Reports Mixed 2023 Earnings Amid Economic ChallengesHanmi Financial Corp (HAFC) Reports Mixed 2023 Earnings Amid Economic Challenges
finance.yahoo.com - January 24 at 3:30 PM
Hanmi Financial (HAFC) Receives a Hold from KBWHanmi Financial (HAFC) Receives a Hold from KBW
markets.businessinsider.com - January 24 at 10:30 AM
Hanmi Financial (HAFC) Q4 Earnings: Taking a Look at Key Metrics Versus EstimatesHanmi Financial (HAFC) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates
finance.yahoo.com - January 23 at 11:04 PM
Hanmi Financial Corporation 2023 Q4 - Results - Earnings Call PresentationHanmi Financial Corporation 2023 Q4 - Results - Earnings Call Presentation
seekingalpha.com - January 23 at 7:55 PM
Hanmi Reports 2023 Fourth Quarter and Full Year ResultsHanmi Reports 2023 Fourth Quarter and Full Year Results
finance.yahoo.com - January 23 at 6:04 PM
Hanmi Financial Corp.Hanmi Financial Corp.
wsj.com - January 23 at 1:03 PM

New MarketBeat Followers Over Time

Media Sentiment Over Time

Company Descriptions

Alerus Financial logo

Alerus Financial

NASDAQ:ALRS
Alerus Financial Corporation operates as the bank holding company for Alerus Financial, National Association that engages in the provision of various financial services to businesses and consumers. The company operates in four segments: Banking, Mortgage, Retirement and Benefit Services, and Wealth Management. It offers various deposit products, including demand deposits, interest-bearing transaction accounts, money market accounts, time and savings deposits, checking accounts, and certificates of deposit; and treasury management products, including electronic receivables management, remote deposit capture, cash vault services, merchant services, and other cash management services. The company also provides commercial loans, business term loans, lines of credit, and commercial real estate loans, as well as construction and land development loans; consumer lending products, including residential first mortgage loans; installment loans and lines of credit; and second mortgage loans. In addition, it offers retirement plan administration and investment advisory services, employee stock ownership plan, fiduciary services, payroll, health savings accounts, and other benefit services, as well as individual retirement accounts; and financial planning, investment management, personal and corporate trust, estate administration, and custody services. Further, the company provides debit and credit cards, online banking, mobile banking/wallet, payment, private banking, payroll accounts, flex spending accounts, administration, and government health insurance program services. It offers banking services in North Dakota, Minnesota, and Arizona; and retirement and benefit plans through offices located in Michigan, Minnesota, and Colorado. The company was formerly known as First National Bank North Dakota and changed its name to Alerus Financial Corporation in 2000. Alerus Financial Corporation was founded in 1879 and is headquartered in Grand Forks, North Dakota.
Financial Institutions logo

Financial Institutions

NASDAQ:FISI
Financial Institutions, Inc. operates as a holding company for the Five Star Bank, a chartered bank that provides banking and financial services to individuals, municipalities, and businesses in New York. The company provides checking and savings account programs, including money market accounts, certificates of deposit, sweep investments, and individual retirement and other qualified plan accounts, as well as NOW accounts. Its loan products include term loans and lines of credit; short and medium-term commercial loans for working capital, business expansion, and purchase of equipment; commercial business loans to the agricultural industry; commercial mortgage loans; one-to-four family residential mortgage loans, home improvement loans, closed-end home equity loans, and home equity lines of credit; and consumer loans, such as automobile, secured installment, and personal loans. The company offers personal insurance products, including automobile, homeowners, boat, recreational vehicle, landlord, and umbrella coverage; commercial insurance comprising property, liability, automobile, inland marine, workers compensation, bonds, crop, and umbrella insurance products; and financial services, such as life and disability insurance, medicare supplements, long-term care, annuities, mutual funds, and retirement programs. In addition, it offers customized investment advisory, wealth management, investment consulting, and retirement plan services, as well as operates a real estate investment trust that holds residential mortgages and commercial real estate loans. Financial Institutions, Inc. was founded in 1817 and is headquartered in Warsaw, New York.
First of Long Island logo

First of Long Island

NASDAQ:FLIC
The First of Long Island Corporation operates as the holding company for The First National Bank of Long Island that provides financial services to small and medium-sized businesses, professionals, consumers, municipalities, and other organizations. The company offers business and small business checking, personal checking, negotiable order of withdrawal, interest on lawyer, escrow service, rent security, personal and nonpersonal money market, savings, time deposit, and individual retirement accounts. It also provides commercial and residential mortgage, commercial and industrial, small business credit scored, Small Business Administration, construction and land development, consumer, and home equity lines/loans, as well as standby letters of credit; debit or credit cards; and overdraft facilities. In addition, the company offers life insurance, investment management, trust, estate and custody, retail investment, bill payment, lockbox, ACH, safe deposit box rental, wire transfer, money order, checkbook printing, check, ATM, and online and mobile banking services. The First of Long Island Corporation was founded in 1927 and is headquartered in Melville, New York.
Guaranty Bancshares logo

Guaranty Bancshares

NASDAQ:GNTY
Guaranty Bancshares, Inc. operates as the bank holding company for Guaranty Bank & Trust, N.A. that provides a range of commercial and consumer banking products and services for small- and medium-sized businesses, professionals, and individuals. The company offers checking and savings, money market, and business accounts, as well as certificates of deposit; and commercial and industrial, construction and development, 1-4 family residential, commercial real estate, farmland, agricultural, multi-family residential, and consumer loans. It also provides trustee, custodial and escrow, investment management, retirement plan, ATM, night depository, direct deposit, and cashier's check services, as well as online and mobile banking services; debit cards; letters of credit; and treasury management services, including wire transfer, positive pay, remote deposit capture, and automated clearinghouse services. Guaranty Bancshares, Inc. was founded in 1913 and is headquartered in Addison, Texas.
Hanmi Financial logo

Hanmi Financial

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