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Financial Services - Banks - Regional - NASDAQ - US
$ 22.8
0.352 %
$ 689 M
Market Cap
10.7
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one HAFC stock under the worst case scenario is HIDDEN Compared to the current market price of 22.8 USD, Hanmi Financial Corporation is HIDDEN

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one HAFC stock under the base case scenario is HIDDEN Compared to the current market price of 22.8 USD, Hanmi Financial Corporation is HIDDEN

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one HAFC stock under the best case scenario is HIDDEN Compared to the current market price of 22.8 USD, Hanmi Financial Corporation is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart HAFC

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$25.0$25.0$24.5$24.5$24.0$24.0$23.5$23.5$23.0$23.0$22.5$22.5$22.0$22.0$21.5$21.5$21.0$21.0$20.5$20.5$20.0$20.0Jan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 Jun
FINANCIALS
430 M REVENUE
8.03%
88.6 M OPERATING INCOME
-22.67%
62.2 M NET INCOME
-22.29%
53.9 M OPERATING CASH FLOW
-49.96%
-107 M INVESTING CASH FLOW
48.82%
56 M FINANCING CASH FLOW
7.50%
107 M REVENUE
-0.45%
25.1 M OPERATING INCOME
-0.84%
17.7 M NET INCOME
-0.13%
25.8 M OPERATING CASH FLOW
58.19%
-30.5 M INVESTING CASH FLOW
-230.91%
28.8 M FINANCING CASH FLOW
330.64%
Balance Sheet Hanmi Financial Corporation
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Current Assets 1.28 B
Cash & Short-Term Investments 1.21 B
Receivables 67.8 M
Other Current Assets 0
Non-Current Assets 6.4 B
Long-Term Investments 6.19 B
PP&E 21.4 M
Other Non-Current Assets 188 M
15.77 %80.62 %Total Assets$7.7b
Current Liabilities 6.7 B
Accounts Payable 34.8 M
Short-Term Debt 225 M
Other Current Liabilities 6.44 B
Non-Current Liabilities 250 M
Long-Term Debt 168 M
Other Non-Current Liabilities 82 M
3.24 %92.66 %Total Liabilities$6.9b
EFFICIENCY
Earnings Waterfall Hanmi Financial Corporation
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Revenue 430 M
Cost Of Revenue 200 M
Gross Profit 229 M
Operating Expenses 140 M
Operating Income 88.6 M
Other Expenses 26.4 M
Net Income 62.2 M
450m450m400m400m350m350m300m300m250m250m200m200m150m150m100m100m50m50m00430m(200m)229m(140m)89m(26m)62mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
53.34% GROSS MARGIN
53.34%
20.63% OPERATING MARGIN
20.63%
14.48% NET MARGIN
14.48%
8.50% ROE
8.50%
0.81% ROA
0.81%
5.15% ROIC
5.15%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Hanmi Financial Corporation
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160m160m140m140m120m120m100m100m80m80m60m60m40m40m20m20m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 62.2 M
Depreciation & Amortization 6.46 M
Capital Expenditures -2.62 M
Stock-Based Compensation 3.58 M
Change in Working Capital -21.9 M
Others -8.58 M
Free Cash Flow 51.3 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Hanmi Financial Corporation
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Wall Street analysts predict an average 1-year price target for HAFC of $21.2 , with forecasts ranging from a low of $17 to a high of $25.5 .
HAFC Lowest Price Target Wall Street Target
17 USD -25.44%
HAFC Average Price Target Wall Street Target
21.2 USD -7.16%
HAFC Highest Price Target Wall Street Target
25.5 USD 11.84%
Price
Max Price Target
Min Price Target
Average Price Target
28282626242422222020181816161414Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26Jun '26Jun '26Jul '26Jul '26
4. DIVIDEND ANALYSIS
1.20% DIVIDEND YIELD
0.27 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.201.201.001.000.800.800.600.600.400.400.200.200.000.000.110.140.190.240.240.240.10.220.250.250.270.110.140.190.240.240.120.120.220.250.250.270.110.190.210.240.240.080.120.250.250.250.140.470.190.660.210.800.240.960.240.960.080.520.20.540.250.940.251.000.251.000.542015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 14
6. Ownership
Insider Ownership Hanmi Financial Corporation
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Sold
0-3 MONTHS
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3-6 MONTHS
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6-9 MONTHS
644 K USD 1
9-12 MONTHS
0 USD 0
Bought
0 USD 0
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0 USD 0
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0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Hanmi Bank Hosts Grand Opening Celebration of New Branch in Duluth, Georgia DULUTH, Ga., June 05, 2025 (GLOBE NEWSWIRE) -- Hanmi Financial Corporation (Nasdaq: HAFC) (“Hanmi”), the holding company for Hanmi Bank, today welcomed local officials and community members to its grand opening celebration for its newest branch in Duluth, Georgia. Honored guests included Georgia State Representative Long Tran (Dist. 80), and Gwinnett County Commissioner Kirkland Carden. They were joined by several Hanmi Bank executives, including Bonnie Lee, President and CEO, Anthony Kim, Chief Banking Officer, and Cindy Yum, who serves as Branch Manager for the new Duluth location. globenewswire.com - 4 weeks ago
Hanmi Financial to Participate in the D.A. Davidson 27th Annual Financial Institutions Conference LOS ANGELES, May 05, 2025 (GLOBE NEWSWIRE) -- Hanmi Financial Corporation (NASDAQ: HAFC, or “Hanmi”), the parent company of Hanmi Bank (the “Bank”), today announced its participation in the D.A. Davidson 27th Annual Financial Institutions Conference on Tuesday, May 6 and Wednesday, May 7, 2025, in Scottsdale, AZ. globenewswire.com - 1 month ago
Hanmi Releases 2024 Annual Shareholder Letter LOS ANGELES, April 29, 2025 (GLOBE NEWSWIRE) -- Hanmi Financial Corporation (NASDAQ: HAFC, or “Hanmi”), the parent company of Hanmi Bank (the “Bank”), today announced the release of its 2024 annual letter to shareholders entitled “Successfully Navigating a Dynamic Market Environment” authored by President and Chief Executive Office Bonnie Lee. To view the letter please visit Hanmi Financial Corporation (HAFC). globenewswire.com - 2 months ago
Hanmi Financial (HAFC) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Hanmi Financial (HAFC) have what it takes? zacks.com - 2 months ago
Hanmi Financial Corporation (HAFC) Q1 2025 Earnings Call Transcript Hanmi Financial Corporation (NASDAQ:HAFC ) Q1 2025 Earnings Conference Call April 22, 2025 5:00 PM ET Company Participants Ben Brodkowitz - IR Bonita Lee - President, CEO & Director Anthony Kim - SEVP & Chief Banking Officer Romolo Santarosa - SEVP & CFO Conference Call Participants Ahmad Hasan - D.A. Davidson & Co. Kelly Motta - KBW Adam Butler - Piper Sandler Operator Ladies and gentlemen, welcome to Hanmi Financial Corporation's First Quarter 2025 Conference Call. seekingalpha.com - 2 months ago
Hanmi Financial (HAFC) Q1 Earnings: How Key Metrics Compare to Wall Street Estimates While the top- and bottom-line numbers for Hanmi Financial (HAFC) give a sense of how the business performed in the quarter ended March 2025, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values. zacks.com - 2 months ago
Hanmi Financial (HAFC) Q1 Earnings and Revenues Beat Estimates Hanmi Financial (HAFC) came out with quarterly earnings of $0.58 per share, beating the Zacks Consensus Estimate of $0.57 per share. This compares to earnings of $0.50 per share a year ago. zacks.com - 2 months ago
Hanmi Reports 2025 First Quarter Results LOS ANGELES, April 22, 2025 (GLOBE NEWSWIRE) -- Hanmi Financial Corporation (NASDAQ: HAFC, or “Hanmi”), the parent company of Hanmi Bank (the “Bank”), today reported financial results for the first quarter of 2025. globenewswire.com - 2 months ago
Hanmi Financial (HAFC) Earnings Expected to Grow: Should You Buy? Hanmi Financial (HAFC) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations. zacks.com - 2 months ago
Hanmi Financial Corporation Announces First Quarter 2025 Earnings and Conference Call Date LOS ANGELES, April 11, 2025 (GLOBE NEWSWIRE) -- Hanmi Financial Corporation (Nasdaq: HAFC) (“Hanmi”), the holding company for Hanmi Bank, today announced that it will report first quarter 2025 financial results after the market close on Tuesday, April 22, 2025. Management will host a conference call that same day, at 2:00 p.m. Pacific Time (5:00 p.m. Eastern Time) to discuss the results. globenewswire.com - 2 months ago
What Makes Hanmi Financial (HAFC) a New Strong Buy Stock Hanmi Financial (HAFC) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #1 (Strong Buy). zacks.com - 3 months ago
Best Income Stocks to Buy for March 28th ALX, HAFC and FFBC made it to the Zacks Rank #1 (Strong Buy) income stocks list on March 28, 2025. zacks.com - 3 months ago
8. Profile Summary

Hanmi Financial Corporation HAFC

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 689 M
Dividend Yield 1.20%
Description 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 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.
Contact 900 Wilshire Boulevard, Los Angeles, CA, 90017 https://www.hanmi.com
IPO Date April 6, 1994
Employees 597
Officers Ms. Vivian I. Kim J.D. Executive Vice President, General Counsel & Chief People Officer Ms. Bonita I. Lee President, Chief Executive Officer & Director Mr. Michael Du Executive Vice President & Chief Risk Officer Mr. Anthony I. Kim Senior EVice President & Chief Banking Officer Mr. Romolo C. Santarosa CPA Senior EVice President & Chief Financial Officer Mr. Joseph A. Pangrazio Senior Vice President & Chief Accounting Officer