Hanmi Financial Corporation

Valuation Analysis

About the Company

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,

Hanmi Financial Corporation Stock at a Glance

Hanmi Financial Corporation (HAFC) is currently trading at $31.75 with a market capitalization of $945.1M. The trailing P/E ratio stands at 11.85x, with a forward P/E of 9.28x. The 52-week range spans from $22.00 to $31.87; the current price is 0.4% below the yearly high. Year-over-year revenue growth stands at +14.6%. The net profit margin stands at 30.62%.

💰 Dividend

Hanmi Financial Corporation pays an annual dividend of $1.12 per share, representing a yield of 3.53%. The payout ratio stands at 40.67%.

📊 Analyst Rating

4 analysts rate Hanmi Financial Corporation (HAFC) on consensus: None. The average price target is $32.88, implying +3.54% from the current price. Analyst price targets range from $31.50 to $35.00.

Hanmi Financial Corporation: The Investment Case in Detail

Hanmi Financial Corporation (HAFC) operates in the Financial Services — specifically Banks - Regional — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.

The Bull Case

Revenue is growing at a healthy 14.6% pace year-over-year, suggesting the business model continues to find new customers and pricing power. Earnings growth of 29.3% is outpacing revenue, a sign of operational leverage — fixed costs are being absorbed across a larger base. Our valuation screen flags the stock as undervalued relative to its fundamentals — multiples are running below where the cash flow profile would normally justify.

Valuation in Context

The PEG ratio at 1.39 sits in the reasonable zone — the price tag is roughly aligned with the company's growth profile, neither punishing nor euphoric.

What to Watch Next

• The forward P/E of 9.28x is meaningfully below the trailing 11.85x — analysts expect earnings to step up; the next earnings release is the test.
• The share is trading at 98.8% of its 52-week range — a break above the recent high opens technical upside, a failure here often invites profit-taking.
• The dividend yield near 3.53% combined with a payout ratio of 40.67% leaves room for further hikes — a track record of consecutive raises is a strong income signal.

Investment Thesis: Strengths & Weaknesses

Technical Snapshot

Price trades above both the 50- and 200-day moving averages, with 50d above 200d — a classic bullish setup (golden-cross alignment).

Risk Profile

The data points to relatively defensive market behavior.

Trading Data

💵 Dividend Info

Related Stocks in the Same Sector

Where can I buy Hanmi Financial Corporation?

Compare top-rated brokers — low fees, trusted providers, fully regulated.