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Hanmi Financial Corporation HAFC
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 20.65
1.13 %
$ 624 M
Market Cap
10.07
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one HAFC stock under the worst case scenario is HIDDEN Compared to the current market price of 20.6 USD, Hanmi Financial Corporation is HIDDEN

HAFC Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one HAFC stock under the base case scenario is HIDDEN Compared to the current market price of 20.6 USD, Hanmi Financial Corporation is HIDDEN

HAFC Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one HAFC stock under the best case scenario is HIDDEN Compared to the current market price of 20.6 USD, Hanmi Financial Corporation is HIDDEN

HAFC Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart HAFC

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1M -9%
6M 0%
1Y 43%
3Y -2%
5Y 144%
All
$27.0$27.0$26.0$26.0$25.0$25.0$24.0$24.0$23.0$23.0$22.0$22.0$21.0$21.0$20.0$20.0$19.0$19.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
233 M REVENUE
-6.29%
Growth Rates
1Year -6.29%
3Years -0.29%
5Years 2.80%
7Years 1.51%
10Years 4.53%
-282 M OPERATING INCOME
-1833.21%
Growth Rates
1Year -1833.21%
3Years -45.49%
5Years -47.37%
7Years -72.84%
10Years -54.92%
62.2 M NET INCOME
-22.29%
Growth Rates
1Year -22.29%
3Years -14.26%
5Years 13.66%
7Years 1.86%
10Years 2.26%
53.9 M OPERATING CASH FLOW
-49.96%
Growth Rates
1Year -49.96%
3Years -16.82%
5Years -1.71%
7Years -5.45%
10Years 7.79%
-107 M INVESTING CASH FLOW
48.82%
Growth Rates
1Year 48.82%
3Years 37.82%
5Years -19.26%
7Years 20.13%
10Years -22.41%
56 M FINANCING CASH FLOW
7.50%
Growth Rates
1Year 7.50%
3Years -53.87%
5Years 25.94%
7Years -25.63%
10Years 11.20%
60.8 M REVENUE
5.51%
Growth Rates
1Year -6.29%
3Years -0.29%
5Years 2.80%
7Years 1.51%
10Years 4.53%
2.36 M OPERATING INCOME
-21.53%
Growth Rates
1Year -1833.21%
3Years -45.49%
5Years -47.37%
7Years -72.84%
10Years -54.92%
17.7 M NET INCOME
18.83%
Growth Rates
1Year -22.29%
3Years -14.26%
5Years 13.66%
7Years 1.86%
10Years 2.26%
16.3 M OPERATING CASH FLOW
242.78%
Growth Rates
1Year -49.96%
3Years -16.82%
5Years -1.71%
7Years -5.45%
10Years 7.79%
13.2 M INVESTING CASH FLOW
112.79%
Growth Rates
1Year 48.82%
3Years 37.82%
5Years -19.26%
7Years 20.13%
10Years -22.41%
-12.5 M FINANCING CASH FLOW
-17.28%
Growth Rates
1Year 7.50%
3Years -53.87%
5Years 25.94%
7Years -25.63%
10Years 11.20%
Balance Sheet Hanmi Financial Corporation
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Current Assets 305 M
Cash & Short-Term Investments 305 M
Receivables 67.8 M
Other Current Assets -67.8 M
Non-Current Assets 7.37 B
Long-Term Investments 0
PP&E 21.4 M
Other Non-Current Assets 7.35 B
3.97 %95.75 %Total Assets$7.7b
Current Liabilities 116 M
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 116 M
Non-Current Liabilities 6.83 B
Long-Term Debt 393 M
Other Non-Current Liabilities 6.44 B
5.66 %92.68 %Total Liabilities$6.9b
EFFICIENCY
Earnings Waterfall Hanmi Financial Corporation
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Revenue 233 M
Cost Of Revenue 3.56 M
Gross Profit 230 M
Operating Expenses 129 M
Operating Income -282 M
Other Expenses -344 M
Net Income 62.2 M
300m300m200m200m100m100m00(100m)(100m)(200m)(200m)(300m)(300m)233m(4m)230m(129m)(282m)344m62mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
98.48% GROSS MARGIN
98.48%
Averages
1Year 98.48%
3Years 97.99%
5Years 97.08%
7Years 95.98%
10Years 95.55%
-120.67% OPERATING MARGIN
-120.67%
Averages
1Year -120.67%
3Years -18.32%
5Years 5.82%
7Years 17.03%
10Years 12.78%
26.64% NET MARGIN
26.64%
Averages
1Year 26.64%
3Years 32.02%
5Years 31.36%
7Years 28.72%
10Years 28.38%
8.50% ROE
8.50%
Averages
1Year 8.50%
3Years 11.93%
5Years 11.69%
7Years 10.68%
10Years 10.60%
0.81% ROA
0.81%
Averages
1Year 0.81%
3Years 1.08%
5Years 1.07%
7Years 1.00%
10Years 1.05%
-2.62% ROIC
-2.62%
Averages
1Year -2.62%
3Years 0.62%
5Years 1.39%
7Years 1.48%
10Years 1.05%
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 0
Stock-Based Compensation 0
Change in Working Capital 0
Others -8.26 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 $20.4 , with forecasts ranging from a low of $17 to a high of $25.5 .
HAFC Lowest Price Target Wall Street Target
17 USD -17.68%
HAFC Average Price Target Wall Street Target
20.4 USD -1.33%
HAFC Highest Price Target Wall Street Target
25.5 USD 23.49%
Price
Max Price Target
Min Price Target
Average Price Target
28282626242422222020181816161414May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
1.07% DIVIDEND YIELD
0.27 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.201.201.001.000.800.800.600.600.400.400.200.200.000.000.110.140.190.240.240.240.10.220.250.250.270.110.140.190.240.240.120.120.220.250.250.110.190.210.240.240.080.120.250.250.250.140.470.190.660.210.800.240.960.240.960.080.520.20.540.250.940.251.000.251.000.272015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 13
6. Ownership
Insider Ownership Hanmi Financial Corporation
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
644 K USD 1
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
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 weeks 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 weeks ago
Best Income Stocks to Buy for March 25th ALX, HAFC and HBNC made it to the Zacks Rank #1 (Strong Buy) income stocks list on March 25, 2025. zacks.com - 3 weeks 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 - 1 month ago
Best Income Stocks to Buy for March 13th ALX, HAFC and FHB made it to the Zacks Rank #1 (Strong Buy) income stocks list on March 13, 2025. zacks.com - 1 month ago
Best Income Stocks to Buy for March 11th ALX, VLY and HAFC made it to the Zacks Rank #1 (Strong Buy) income stocks list on March 11, 2025. zacks.com - 1 month ago
Are You Looking for a High-Growth Dividend Stock? 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 - 1 month ago
Christine P. Ball Appointed to the Board of Hanmi Financial Corporation LOS ANGELES, March 03, 2025 (GLOBE NEWSWIRE) -- Hanmi Financial Corporation (NASDAQ: HAFC, or “Hanmi”), and its wholly-owned subsidiary, Hanmi Bank (the “Bank”), today announced that Christine P. Ball has been appointed to the Board of Directors of the Company and the Bank effective March 1, 2025. The addition of Ms. Ball brings the total number of Hanmi Board directors to eleven. globenewswire.com - 1 month ago
Why Hanmi Financial (HAFC) is a Great Dividend Stock Right Now 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 Bank Sponsors Southern California Wildfire Relief SBA Seminar in Partnership with the SBA Los Angeles District Office and the YMCA Hanmi joins with Federal Home Loan Bank of San Francisco to donate $30,000 each to the YMCA of Los Angeles and the Korean American Federation of Los Angeles Hanmi joins with Federal Home Loan Bank of San Francisco to donate $30,000 each to the YMCA of Los Angeles and the Korean American Federation of Los Angeles globenewswire.com - 2 months ago
4 Solid Stocks to Buy That Recently Declared Dividend Hikes HAFC, HWC, CMS and FSV recently announced dividend hikes. zacks.com - 2 months ago
Best Momentum Stock to Buy for February 3rd TRMK, VLY and HAFC made it to the Zacks Rank #1 (Strong Buy) momentum stocks list on February 3, 2025. zacks.com - 2 months ago
8. Profile Summary

Hanmi Financial Corporation HAFC

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 624 M
Dividend Yield 1.07%
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 Mr. Matthew D. Fuhr Executive Vice President & Chief Credit Officer of Hanmi Bank Ms. Vivian I. Kim J.D. Executive Vice President, General Counsel & Chief People Officer Mr. Romolo C. Santarosa CPA Senior EVice President & Chief Financial Officer Ms. Bonita I. Lee President, Chief Executive Officer & Director Mr. Anthony I. Kim Senior EVice President & Chief Banking Officer Mr. Michael Du Executive Vice President & Chief Risk Officer Mr. Joseph A. Pangrazio Senior Vice President & Chief Accounting Officer