HAFC
Hanmi Financial Corporation
HAFC's fundamentals are mixed: revenue grew 12%, while its operating margin held steady at 31%. At 11x earnings, it's trading in line with its usual 9.9x. Analysts expect earnings growth.
HAFC Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
HAFC's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like HAFC.
HAFC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6.5x | $19.78 | -39% |
| Forward | 9.6x | $32.54 | — |
| Fair | 9.9x | $30.10 | -7.5% |
| Current | 11x | $32.54 | — |
| Expensive | 12x | $36.02 | +11% |
Historical ranges are pointers, not guarantees.
HAFC's PE is in its fair range at 11x. If earnings grow as analysts expect, today's price would be 9.6x next year's earnings.
HAFC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for HAFC, with profitability improving.
HAFC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.39 | +11% |
| Q3 2026 | $3.04 | +27% |
| Q2 2026 | $2.97 | +38% |
| Q1 2026 | $2.68 | +26% |
| Q4 2025 | $2.51 | +22% |
| Q3 2025 | $2.39 | +15% |
| Q2 2025 | $2.15 | -2.7% |
| Q1 2025 | $2.13 | -11% |
| Q4 2024 | $2.05 | -22% |
HAFC earned $3.04 per share over the past year, up 27% from the year before.
HAFC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $76.6M | +7.9% |
| Q2 2026 | $72.2M | +11% |
| Q1 2026 | $71.7M | +14% |
| Q4 2025 | $71.2M | +17% |
| Q3 2025 | $71M | +21% |
| Q2 2025 | $65.2M | +15% |
| Q1 2025 | $62.8M | +7.6% |
| Q4 2024 | $60.8M | +1.6% |
HAFC's revenue has grown year over year for eight quarters in a row: $77M last quarter, up 7.9% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 31% | -0.2 points |
| Q2 2026 | 33% | +9.4 points |
| Q1 2026 | 31% | +3.3 points |
| Q4 2025 | 30% | -12 points |
| Q3 2025 | 31% | -5 points |
| Q2 2025 | 23% | -13 points |
| Q1 2025 | 28% | -9.1 points |
| Q4 2024 | 42% | -4.3 points |
HAFC's operating margin was 31% last quarter, about level with the same quarter a year ago.
HAFC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $35.7M | -76% |
| Q2 2026 | -$9.9M | +$9.6M |
| Q1 2026 | $23.4M | -8.6% |
| Q4 2025 | $51.3M | +231% |
| Q3 2025 | $146.4M | +2632% |
| Q2 2025 | -$19.6M | -1626% |
| Q1 2025 | $25.6M | -12% |
| Q4 2024 | $15.5M | +154% |
HAFC's free cash flow was $101M over the past year, down 40% from the year before. Free cash flow isn't a meaningful measure for financial services companies like HAFC.
HAFC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.4% | -119K shares |
| 1 year | -1% | -311K shares |
| 3 years | -2.4% | -723K shares |
| 5 years | -3.2% | -982K shares |
| Available history | -3.9% | -1.2M shares |
HAFC has 30M diluted shares, down 1% from a year ago, with $16M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $4.8M |
| Q2 2026 | $4.8M |
| Q1 2026 | $4.8M |
| Q4 2025 | $2M |
| Q3 2025 | $4.7M |
| Q2 2025 | $1.6M |
| Q1 2025 | $1.1M |
| Q4 2024 | $554,000 |
HAFC spent $16M buying back its own shares over the past year, up 105% from the year before.
HAFC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | -2.1x | Net Cash |
| Q1 2026 | -1.4x | Net Cash |
| Q4 2025 | 1.0x | Very low |
| Q3 2025 | -0.2x | Net Cash |
| Q2 2025 | -1.3x | Net Cash |
| Q1 2025 | -0.8x | Net Cash |
| Q4 2024 | 1.0x | Healthy |
| Q3 2024 | 1.3x | Healthy |
HAFC has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like HAFC.
HAFC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 59.2 | Neutral |
| Stochastic | 62.8 | Neutral |
HAFC's weekly RSI is 59 (neutral) and its Stochastic is 63 (neutral).
HAFC PE vs Financial Services Sector
| Metric | HAFC | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 18% below |
| PE % | 60 | 63 | 3 pts below |
HAFC is trading at 11x earnings, a 18% discount to the Financial Services sector's median of 13x.
HAFC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $32.0 | 1.8% above |
| 20 week MA | $32.0 | 1.8% above |
| 50 week MA | $29.8 | 9.1% above |
| 100 week MA | $26.9 | 21% above |
| 200 week MA | $22.5 | 44% above |
HAFC is in an uptrend: it's above all five of its weekly moving averages, and 44% above its 200-week average.
HAFC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $19.9 | $11.5 | -42% |
| 2021 | $11.5 | $22.8 | +98% |
| 2022 | $22.8 | $24.7 | +8.4% |
| 2023 | $24.7 | $19.4 | -22% |
| 2024 | $19.4 | $23.4 | +21% |
| 2025 | $23.4 | $27.8 | +19% |
| 2026 YTD | $27.8 | $32.5 | +17% |
HAFC has finished higher in four of the last six years. It's up 17% so far in 2026.