Hanmi Financial Corporation (HAFC) Stock

Hanmi Financial Corporation (HAFC) is a Financials stock trading at $31.15 (as of 2026-08-20), with a market capitalization of $923.57M and a trailing P/E of 10.3. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Hanmi Financial Corporation is a bank holding company for Hanmi Bank, providing business banking, deposit products, and a range of lending services. Its offerings include real estate, commercial, consumer, and small-business loans, along with trade-related services such as letters of credit and import/export financing for customers in the United States.

Understand Hanmi Financial Corporation: how it makes money

Hanmi Financial Corporation operates as the holding company for Hanmi Bank, which provides business banking products in the United States, taking deposits and making loans including real estate and commercial and industrial loans.

For a bank like Hanmi, profitability is ultimately shaped by how much it earns before credit costs (pre-provisioned net revenue) and how those results are affected by loan credit quality (tracked through non-performing assets and non-performing loans).

Business quality (Strong): Credit quality and lending activity metrics are provided, but the data set does not include a clear official reportable segment revenue breakdown.

Valuation: At 12× earnings, HAFC trades 8% below the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Bank operating profitability is positive: Operating margin is reported at 31.4% for the latest period.
  • Ongoing lending activity is visible: The company reports Loan Production of 0.38 USD_B and New Loan Production of 0.37 USD_B.
  • Broad deposit and lending product set: The company offers multiple deposit categories (noninterest and interest-bearing checking and savings, money market, and certificates of deposit) and makes real estate and commercial and industrial loans.

Bear case

  • Credit quality stands out as a concern: Non-Performing Assets are 0.04 USD_B, and Non-Performing Loans are 44.0 (ratio).
  • Pre-provisioned momentum may be limited: Pre-Provision Net Revenues Increase is shown as 0.0.
  • Potential portfolio concentration signals: Multiple Korea-related loan balance metrics are reported, including Corporate Korea (United States Korea Corporate) Loan Balances of 0.94 USD_B and United States Korean Community Loan Balance of 0.91 USD_B.
Valuation — source: SEC EDGAR (first-party)
Price$31.15
Market Cap$923.57M
P/E Ratio10.3
EV / EBITDA6.5
Price / Book1.14
Price / Sales3.23
FCF Yield22.9%
DCF Value (model)$37.76
DCF Upside vs Price21.2%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$270.17M
Net Margin28.2%
Revenue Growth (YoY)10.7%
EPS Growth (YoY)58.0%
FCF Growth (YoY)-49.3%
Valuation vs Sector & Industry
Stock P/E10.3
Sector P/E (Financials)15.1
Industry P/E (Banking)12.9
vs Sector-31.7%
vs Industry-20.0%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderBlackRock, Inc. ($115.68M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOBonita I. Lee
Employees597
CountryUS
IPO Date1994-04-06

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HAFC earnings history · HAFC institutional & insider holders · HAFC KPIs & operating metrics · HAFC financials · HAFC investor presentations & press releases · HAFC SEC filings · HAFC peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-20.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.