HAFC
BULLISH
$28.0
Live
Hanmi Financial Corporation · NASDAQ
Target $31.0
(+10.7%)
$20.24
52W Range
$30.2
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 11, 2026
Market cap
$838.75M
P/E
11.16
ROE
10.0%
Profit margin
29.8%
Debt/Equity
N/A
Dividend yield
4.0%
AI Analysis
AI-powered fundamental assessment
Confidence
82%
HAFC presents a compelling value opportunity, trading significantly below its Graham Number ($38.94) and Intrinsic Value ($74.04). While the Piotroski F-Score of 4/9 indicates stable but not exceptional financial health, the company exhibits robust YoY revenue (15.7%) and earnings (20.2%) growth. The low P/E of 11.16 and P/B of 1.04 suggest the market is underpricing the asset relative to its book value and growth. Despite a very bearish technical trend and recent earnings misses, the fundamental valuation and sustainable 4% dividend yield provide a strong margin of safety.
Key Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Strong YoY earnings growth of 20.20%
Attractive dividend yield (4%) with a sustainable payout ratio (43.03%)
Low Price-to-Book ratio (1.04) indicating fair asset pricing
Consistent long-term price appreciation (5Y Change +73%)
Key Risks
Severely bearish technical trend (10/100)
Recent earnings inconsistency (only 1 beat in last 4 quarters)
Bearish insider sentiment with net selling activity
Regional bank sector sensitivity to interest rate and credit risk
Moderate Piotroski F-Score (4/9) suggesting stable but non-optimal health
AI Fair Value Estimate
Based on comprehensive analysis
$48.5
+73.2% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
78
Strong
92
80
85
50
82
AI Verdict
Strong Value Play
Key drivers: Deep valuation discount, Strong YoY growth, Sustainable dividend
Confidence
85%
Value
92/100
Ref P/E, P/B, and Graham Number ($38.94)
Positives
- P/E 11.16 is low
- P/B 1.04 is near book
- Price is well below Graham Number
Watchpoints
- Technical trend is strongly bearish
Future
80/100
Ref Growth rates
Positives
- YoY Revenue Growth 15.70%
- YoY Earnings Growth 20.20%
Watchpoints
- Recent Q/Q EPS growth is negative (-4.1%)
Past
85/100
Ref Historical price trends
Positives
- 5Y Change +73%
- 1Y Change +42.6%
Watchpoints
No urgent risks highlighted.
Health
50/100
Ref Piotroski F-Score; Altman Z-Score N/A for banking
Positives
- Piotroski F-Score 4/9 (Stable)
Watchpoints
- F-Score is not in the 'Strong' range (7-9)
Dividend
82/100
Ref Yield and Payout
Positives
- 4% Yield
- Healthy 43.03% Payout Ratio
Watchpoints
No urgent risks highlighted.
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$28.0
Analyst Target
$31.0
Upside/Downside
+10.7%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for HAFC and closest competitors.
Updated 2026-04-10
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
HAFC
Hanmi Financial Corporation
Primary
|
+73.0% | +81.2% | +42.6% | +19.9% | +11.2% | +5.8% |
|
CAC
Camden National Corporation
Peer
|
+26.6% | +61.2% | +40.7% | +29.9% | +7.1% | +3.4% |
|
FMNB
Farmers National Banc Corp.
Peer
|
+4.5% | +34.2% | +17.1% | +1.9% | +11.8% | +4.0% |
|
HTBK
Heritage Commerce Corp
Peer
|
+39.7% | +91.7% | +72.2% | +45.8% | +11.2% | +5.0% |
|
ABX
Abacus Global Management, Inc.
Peer
|
-6.8% | -10.9% | +24.7% | +51.2% | +3.4% | -5.8% |
HAF
Hanmi Financial Corporation
Primary
5Y
+73.0%
3Y
+81.2%
1Y
+42.6%
6M
+19.9%
1M
+11.2%
1W
+5.8%
CAC
Camden National Corporation
Peer
5Y
+26.6%
3Y
+61.2%
1Y
+40.7%
6M
+29.9%
1M
+7.1%
1W
+3.4%
FMN
Farmers National Banc Corp.
Peer
5Y
+4.5%
3Y
+34.2%
1Y
+17.1%
6M
+1.9%
1M
+11.8%
1W
+4.0%
HTB
Heritage Commerce Corp
Peer
5Y
+39.7%
3Y
+91.7%
1Y
+72.2%
6M
+45.8%
1M
+11.2%
1W
+5.0%
ABX
Abacus Global Management, Inc.
Peer
5Y
-6.8%
3Y
-10.9%
1Y
+24.7%
6M
+51.2%
1M
+3.4%
1W
-5.8%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
11.16
Forward P/E
8.47
PEG Ratio
N/A
P/B Ratio
1.04
P/S Ratio
3.28
EV/Revenue
3.65
EV/EBITDA
N/A
Market Cap
$838.75M
Profitability
Profit margins and return metrics
Profit Margin
29.75%
Operating Margin
43.51%
Gross Margin
N/A
ROE
9.96%
ROA
0.98%
Growth
Revenue and earnings growth rates
Revenue Growth
+15.7%
Earnings Growth
+20.2%
Q/Q Revenue Growth
+17.06%
Q/Q Earnings Growth
+20.0%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$7.27
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.1B
Net Margin
29.8%
Total Assets
$7.9B
Liabilities
$7.1B
Equity
$0.8B
Debt/Equity
8.88x
Operating CF
$0.1B
CapEx
$-0.0B
Free Cash Flow
$0.1B
FCF Yield
98%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-21
$N/A
2026-01-27
$0.7
-0.4% surprise
2025-10-21
$0.73
+12.3% surprise
2025-07-22
$0.5
-18.0% surprise
Financial Services Sector Comparison
Comparing HAFC against 341 companies in the Financial Services sector
(60 bullish, 147 neutral, 134 bearish)
P/E Ratio
11.16
This Stock
vs
54.09
Sector Avg
-79.4%
(Discount)
Return on Equity (ROE)
9.96%
This Stock
vs
-0.66%
Sector Avg
-1605.3%
(Below Avg)
Profit Margin
29.75%
This Stock
vs
63.27%
Sector Avg
-53.0%
(Weaker)
Revenue Growth
15.7%
This Stock
vs
44.9%
Sector Avg
-65.0%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
HAFC
Hanmi Financial Corporation
|
BULLISH | $838.75M | 11.16 | 10.0% | 29.8% | $28.0 | |
|
CAC
Camden National Corporation
|
BULLISH | $833.02M | 12.78 | 10.6% | 27.9% | $49.07 | Compare |
|
FMNB
Farmers National Banc Corp.
|
BULLISH | $823.88M | 9.61 | 12.2% | 30.1% | $13.94 | Compare |
|
HTBK
Heritage Commerce Corp
|
BULLISH | $823.5M | 17.14 | 6.8% | 24.4% | $13.37 | Compare |
|
ABX
Abacus Global Management, Inc.
|
BEARISH | $869.02M | 24.69 | 8.8% | 15.5% | $8.89 | Compare |
HAFC
Hanmi Financial...
BULLISH
Mkt Cap
$839M
P/E
11.2
ROE
10.0%
Price
$28.0
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-26 | DU MICHAEL | Officer | Stock Award | 2,367 | - |
| 2026-03-26 | KIM ANTHONY I | Officer | Stock Award | 4,455 | - |
| 2026-03-26 | KIM ANTHONY I | Officer | Stock Award | 4,455 | - |
| 2026-03-26 | LEE BONITA INSOOK | Chief Executive Officer | Stock Award | 22,260 | - |
| 2026-03-26 | LEE BONITA INSOOK | Chief Executive Officer | Stock Award | 22,260 | - |
| 2026-03-26 | FUHR MATTHEW D | Officer | Stock Award | 3,697 | - |
| 2026-03-26 | FUHR MATTHEW D | Officer | Stock Award | 3,697 | - |
| 2026-03-26 | DU MICHAEL | Officer | Stock Award | 2,367 | - |
| 2026-03-26 | SANTAROSA ROMOLO C | Chief Financial Officer | Stock Award | 7,623 | - |
| 2026-03-26 | SANTAROSA ROMOLO C | Chief Financial Officer | Stock Award | 7,623 | - |
| 2026-03-13 | KIM ANTHONY I | Officer | Stock Award | 3,159 | - |
| 2026-03-13 | PANGRAZIO JOSEPH A. | Officer | Stock Award | 483 | - |
| 2026-03-13 | LEE BONITA INSOOK | Chief Executive Officer | Stock Award | 18,832 | - |
| 2026-03-13 | FUHR MATTHEW D | Officer | Stock Award | 2,761 | - |
| 2026-03-13 | DU MICHAEL | Officer | Stock Award | 1,596 | - |
DU MICHAEL
Officer
2026-03-26
2,367 shares
KIM ANTHONY I
Officer
2026-03-26
4,455 shares
KIM ANTHONY I
Officer
2026-03-26
4,455 shares
LEE BONITA INSOOK
Chief Executive Officer
2026-03-26
22,260 shares
LEE BONITA INSOOK
Chief Executive Officer
2026-03-26
22,260 shares
FUHR MATTHEW D
Officer
2026-03-26
3,697 shares
FUHR MATTHEW D
Officer
2026-03-26
3,697 shares
DU MICHAEL
Officer
2026-03-26
2,367 shares
SANTAROSA ROMOLO C
Chief Financial Officer
2026-03-26
7,623 shares
SANTAROSA ROMOLO C
Chief Financial Officer
2026-03-26
7,623 shares
KIM ANTHONY I
Officer
2026-03-13
3,159 shares
PANGRAZIO JOSEPH A.
Officer
2026-03-13
483 shares
LEE BONITA INSOOK
Chief Executive Officer
2026-03-13
18,832 shares
FUHR MATTHEW D
Officer
2026-03-13
2,761 shares
DU MICHAEL
Officer
2026-03-13
1,596 shares
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
4 analysts
Keefe, Bruyette & Woods
2026-04-09
Market Perform
Market Perform
Piper Sandler
2026-04-02
Overweight
Overweight
Piper Sandler
2026-02-02
Overweight
Overweight
DA Davidson
2026-01-29
Neutral
Neutral
Keefe, Bruyette & Woods
2025-10-22
Market Perform
Market Perform
Past News Coverage
Recent headlines mentioning HAFC from our newsroom.
Newest → oldest
No matching news yet.