8-K Announcements
6Material company update
May 28, 2026·SEC
Material company update
Apr 23, 2026·SEC
Material company update
Apr 21, 2026·SEC
Hanmi Financial Corporation(HAFC)Earnings, Financials & Key Ratios
HAFC•NASDAQ•Banking & Credit
$32.48
12.9× P/E·Price updated Jul 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutHanmi Financial Corporation operates as the holding company for Hanmi Bank that provides business banking products and services in the United States. The company offers various deposit products, including noninterest-bearing checking accounts, interest-bearing checking and savings accounts, negotiable order of withdrawal accounts, money market accounts, and certificates of deposit. It 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, as well as international finance, and trade services and products comprising letters of credit, and import and export financing. In addition, the company offers consumer loans, secured and unsecured loans, home equity loans, residential mortgages, and credit cards; SBA and trade finance lending to small and middle market businesses; and 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. As of February 28, 2022, it operated a network of 35 full-service branches and 8 loan production offices in California, Texas, Illinois, Virginia, New Jersey, New York, Colorado, Washington, and Georgia. The company was founded in 1982 and is headquartered in Los Angeles, California.Show more
- Net Interest Income$236M+17.3%
- Total Revenue$445M+3.5%
- Net Income$76M+22.3%
- Return on Equity9.96%+14.8%
- Net Interest Margin3%+14.5%
- Efficiency Ratio33.2%+1.5%
- ROA0.98%+20.0%
- Equity / Assets10.12%+6.1%
- Book Value per Share26.51+9.0%
HAFC Price & Volume
Hanmi Financial Corporation (HAFC) stock price & volume — 10-year historical chart
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Hanmi Financial Navigates Margin Compression Amid Growth
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Accelerating
Profitability:Moderate
Financial:Healthy
Cash Flow:Mixed
Primary Risk:CRE concentration and funding
Key Thesis Takeaways
- Hanmi Financial Corporation demonstrates a recovery in net interest income growth, which reached 15.5% year-over-year in 2026Q1, though persistent margin compression at 0.8% remains a significant headwind.
- The bank maintains a stable capital base with an equity-to-assets ratio of 0.10, yet investors should monitor the inherent risks associated with its commercial real estate concentration and volatile non-interest income.
- Future performance appears contingent on managing funding costs and stabilizing the lumpy SBA-driven fee revenue stream that previously peaked at $10.2 million in 2025Q3.
Verdict Logic
while the bank shows a 15.5% year-over-year growth in net interest income, the stagnant 0.8% net interest margin and reliance on volatile fee income warrant a cautious approach at the current 1.23 price-to-book valuation.
HAFC Growth Metrics
Hanmi Financial Corporation (HAFC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years7.7%
5 Years10.86%
3 Years13.03%
TTM-
Profit CAGR
10 Years3.52%
5 Years12.51%
3 Years-9.13%
TTM25.13%
EPS CAGR
10 Years4.1%
5 Years12.71%
3 Years-8.9%
TTM25.82%
Return on Capital
10 Years11.98%
5 Years12.69%
3 Years10.8%
Last Year10.85%
HAFC Recent Earnings
Hanmi Financial Corporation (HAFC) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 8/12 qtrs (67%)●Beat Revenue 1/12 qtrs (8%)
Q2 2026Latest
Apr 21, 2026Metric
Actual
Est
EPS
$0.75+5.6%
$0.71
Rev
$72M+0.5%
$71M
Q1 2026
Jan 27, 2026Metric
Actual
Est
EPS
$0.70-1.4%
$0.71
Rev
$71M-0.3%
$71M
Q4 2025
Oct 21, 2025Metric
Actual
Est
EPS
$0.73+10.6%
$0.66
Rev
$71M-0.6%
$71M
Q3 2025
Jul 22, 2025Metric
Actual
Est
EPS
$0.50-19.4%
$0.62
Rev
$66M-3.2%
$68M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 21, 2026 | $0.75vs $0.71+5.6% | $72Mvs $71M+0.5% |
| Q1 2026 | Jan 27, 2026 | $0.70vs $0.71-1.4% | $71Mvs $71M-0.3% |
| Q4 2025 | Oct 21, 2025 | $0.73vs $0.66+10.6% | $71Mvs $71M-0.6% |
| Q3 2025 | Jul 22, 2025 | $0.50vs $0.62-19.4% | $66Mvs $68M-3.2% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Hanmi Financial Corporation (HAFC)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $32.48 | $966.81M | 12.94 | 3.55% | 17.11% | 9.96% | 3.34% | |
| $13.53 | $1.73B | 29.41 | -3.23% | 6.82% | 2.96% | — | |
| $107.53 | $1.27B | 10.33 | -4.11% | 26.69% | 17.48% | — | |
| $27.28 | $462.01M | 14.91 | 2.59% | 16.76% | 7.85% | — | |
| $20.91 | $672.57M | 10.83 | 28.44% | 25.68% | 10.59% | — | |
| $20.56 | $3.17B | 17.42 | -3.31% | 13.63% | 7.07% | — |
Compare HAFC vs Peers
Hanmi Financial Corporation (HAFC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
HAFC SEC Filings & Documents
Hanmi Financial Corporation (HAFC) SEC filings — annual & quarterly reports (10-K, 10-Q)
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HAFC Frequently Asked Questions
Hanmi Financial Corporation (HAFC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Hanmi Financial Corporation growing?
Hanmi Financial Corporation (HAFC) grew revenue by 3.5% over the past year. Growth has been modest.
Is HAFC profitable?
Yes, Hanmi Financial Corporation (HAFC) is profitable, generating $81.0M in net income for fiscal year 2025 (17.1% net margin).
Dividend & Returns
Does HAFC pay dividends?
Yes, Hanmi Financial Corporation (HAFC) pays a dividend with a yield of 3.34%. This makes it attractive for income-focused investors.
What is HAFC's return on equity?
Hanmi Financial Corporation (HAFC) has a return on equity (ROE) of 10.0%. This is below average, suggesting room for improvement.
Industry Metrics
What is Hanmi Financial Corporation's net interest margin?
Hanmi Financial Corporation (HAFC) has a net interest margin (NIM) of 3.0%. This indicates healthy earnings from lending activities.
What is Hanmi Financial Corporation's efficiency ratio?
Hanmi Financial Corporation (HAFC) has an efficiency ratio of 33.2%. This is excellent, indicating strong cost control.