Hanmi Financial (HAFC) Stock Price, News & Analysis

Company Overview

Hanmi Financial Corporation is a bank holding company based in California, primarily operating through its wholly owned subsidiary, Hanmi Bank. Established in 1982 to serve the Korean‐American community in Los Angeles, the company has expanded its footprint to include branch locations throughout California as well as markets in Illinois, Texas and Washington State. Hanmi Bank offers a comprehensive suite of commercial and consumer banking products designed to meet the needs of small and medium‐sized businesses, professionals and individual clients.

On the commercial banking side, Hanmi Bank provides business checking and savings accounts, lines of credit, commercial real estate lending and SBA‐guaranteed loans. The bank leverages its expertise in serving niche industries—such as healthcare, real estate development and import‐export businesses—to deliver tailored financing solutions. Its consumer banking services include traditional deposit accounts, home mortgages, home equity lines of credit and auto loans, supported by online banking and mobile‐app capabilities.

In addition to core lending and deposit services, Hanmi Bank offers wealth management and trust services through partnerships with third‐party advisors. These services encompass investment advisory, retirement planning and insurance solutions, enabling clients to access a broader financial platform under one institutional umbrella. The bank also maintains an international banking center, facilitating trade finance, foreign exchange transactions and cross‐border cash management, which are particularly valued by its multinational and immigrant clientele.

Throughout its history, Hanmi Financial has focused on community engagement and bilingual customer support, maintaining a leadership team with deep ties to the communities it serves. The company adheres to regulatory standards and risk management practices overseen by its board of directors and executive officers. By combining local market expertise with a growing geographic presence, Hanmi Financial continues to position itself as a specialized regional lender and financial services provider.

Key Stats

• Today's Range: $23.12 to $24.30
• 50-Day Range: $22.37 to $25.58
• 52-Week Range: $19.25 to $27.59
• Volume: 52,469 shs
• Average Volume: 175,143 shs
• Market Capitalization: $696.09 million
• P/E Ratio: 10.73
• Dividend Yield: 4.67%
• Price Target: $26.00
• Consensus Rating: Hold

Hanmi Financial Stock Analysis - MarketRank™

Hanmi Financial scored higher than 94% of companies evaluated by MarketBeat, and ranked 216th out of 945 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.1 / 5
• Analyst Rating: Hold

Consensus Rating

Hanmi Financial has received a consensus rating of Hold. The company's average rating score is 2.29, and is based on 2 buy ratings, 5 hold ratings, and no sell ratings.

Upside Potential

Hanmi Financial has a consensus price target of $26.00, representing about 12.0% upside from its current price of $23.21.

Amount of Analyst Coverage

Hanmi Financial has been the subject of 5 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 9.23%

Earnings Growth

Earnings for Hanmi Financial are expected to grow by 9.23% in the coming year, from $2.60 to $2.84 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Hanmi Financial is 10.79, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 233.21.

Price to Earnings Ratio vs. Sector

The P/E ratio of Hanmi Financial is 10.79, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 29.81.

Price to Book Value per Share Ratio

Hanmi Financial has a P/B Ratio of 0.96. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.35% of the float of Hanmi Financial has been sold short.

Short Interest Ratio / Days to Cover

Hanmi Financial has a short interest ratio ("days to cover") of 2.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Hanmi Financial has recently decreased by 4.23%, indicating that investor sentiment is improving.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Leadership

Hanmi Financial is a leading dividend payer. It pays a dividend yield of 4.35%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Hanmi Financial has only been increasing its dividend for 1 years.

Dividend Coverage

The dividend payout ratio of Hanmi Financial is 50.23%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Hanmi Financial will have a dividend payout ratio of 38.03% next year. This indicates that Hanmi Financial will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 2.9 / 5
• Environmental Score: -0.63

Percentage of Shares Shorted

1.35% of the float of Hanmi Financial has been sold short.

Short Interest Ratio / Days to Cover

Hanmi Financial has a short interest ratio ("days to cover") of 2.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Hanmi Financial has recently decreased by 4.23%, indicating that investor sentiment is improving.

News and Social Media

• Score: 1.5 / 5
• News Sentiment: 0.75

News Sentiment

Hanmi Financial has a news sentiment score of 0.75. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for Hanmi Financial this week, compared to 4 articles on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Hanmi Financial insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 1.86% of the stock of Hanmi Financial is held by insiders.

Percentage Held by Institutions

88.66% of the stock of Hanmi Financial is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

HAFC Stock Analysis - Frequently Asked Questions

How have HAFC shares performed this year?

Hanmi Financial's stock was trading at $23.62 at the beginning of the year. Since then, HAFC stock has decreased by 1.8% and is now trading at $23.2050.

How were Hanmi Financial's earnings last quarter?

Hanmi Financial Corporation (NASDAQ:HAFC) released its earnings results on Tuesday, July, 22nd. The bank reported $0.50 EPS for the quarter, missing the consensus estimate of $0.62 by $0.12. The bank earned $65.21 million during the quarter, compared to analysts' expectations of $65.70 million. Hanmi Financial had a net margin of 15.11% and a trailing twelve-month return on equity of 8.77%.
Read the conference call transcript.

Who are Hanmi Financial's major shareholders?

Hanmi Financial's top institutional shareholders include Assenagon Asset Management S.A. (0.97%), Voya Investment Management LLC (0.17%), CWM LLC (0.14%) and Yousif Capital Management LLC (0.03%). Insiders that own company stock include Romolo Santarosa and Harry Chung.
View institutional ownership trends.

How do I buy shares of Hanmi Financial?

Shares of HAFC stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Hanmi Financial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Hanmi Financial investors own include American Water Works (AWK), Waste Connections (WCN), DiamondRock Hospitality (DRH), The RMR Group (RMR), AUO (AUOTY), iShares Micro-Cap ETF (IWC) and Triple Flag Precious Metals (TFPM).

Company Calendar

• Last Earnings: 7/22/2025
• Record date for 8/20 Dividend: 8/04/2025
• Ex-Dividend for 8/20 Dividend: 8/04/2025
• Dividend Payable: 8/20/2025
• Today: 10/16/2025
• Next Earnings (Estimated): 10/21/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - WEST
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:HAFC
• Previous Symbol: NASDAQ:HAFCD
• CIK: 1109242
• Web: www.hanmi.com
• Phone: (213) 382-2200
• Fax: 302-636-5454
• Employees: 630
• Year Founded: 1982

Price Target and Rating

• Average Price Target for Hanmi Financial: $26.00
• High Price Target: $28.00
• Low Price Target: $21.00
• Potential Upside/Downside: +8.4%
• Consensus Rating: Hold
• Rating Score (0-4): 2.29
• Research Coverage: 7 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.15
• Trailing P/E Ratio: 11.36
• Forward P/E Ratio: 9.23
• P/E Growth: N/A
• Net Income: $62.20 million
• Net Margins: 15.11%
• Pretax Margin: 21.44%
• Return on Equity: 8.77%
• Return on Assets: 0.84%

Debt

• Debt-to-Equity Ratio: 0.34
• Current Ratio: 0.98
• Quick Ratio: 0.97

Sales & Book Value

• Annual Sales: $430.37 million
• Price / Sales: 1.68
• Cash Flow: $2.28 per share
• Price / Cash Flow: 10.50
• Book Value: $24.25 per share
• Price / Book: 0.99

Miscellaneous

• Outstanding Shares: 30,130,000
• Free Float: 29,566,000
• Market Cap: $722.67 million
• Optionable: Optionable
• Beta: 0.71