Stocks · Financial Services · Banks - Regional
Hanmi Financial Corporation HAFC
$31.67 +1.47% Close, Oct 2, 2026 · NASDAQ · Market cap $942.7M
Inexpensive vs sector
Next earnings report: Oct 20, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $2.97, up 38.1% year over year.
- The stock is in an uptrend: above its 200-day average for 130 trading days, with the 50-day average above the 200-day.
- Revenue over the last four quarters was $385.8M, down 10.7% from a year earlier, slowing from 2.4% a quarter earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth40Weak
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 11%
- EPS growth (TTM, YoY)Top 28%
- FCF growth (TTM, YoY)Top 2%
- Revenue growth, 3-year CAGRBottom 43%
- Revenue growth accelerationBottom 14%
Quality67Positive
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 30%
- Gross marginBottom 31%
- Operating marginBottom 40%
- Cash conversion (OCF / net income)Top 16%
- Accruals (lower is better)Top 29%
- Net debt / EBITDA (lower is better)Top 9%
- Interest coverBottom 22%
Value83Strong
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 21%
- Free-cash-flow yieldTop 12%
- EBITDA / enterprise valueTop 35%
- Sales / enterprise valueTop 26%
- P/E vs own 5-year history (lower is better)Bottom 36%
Momentum79Positive
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 25%
- 6-month returnTop 20%
- 1-year return vs S&P 500Top 21%
- Distance from 52-week highTop 26%
- Trend checklist (0–4)Top 48%
Revisions34Weak
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 48%
- Consecutive EPS beatsTop 42%
- Share of analysts rating BuyBottom 35%
- Upside to consensus price targetBottom 23%
Stability68Positive
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 37%
- Maximum drawdown, 3 yearsTop 48%
- Beta vs S&P 500 (lower is better)Bottom 38%
- Net debt / EBITDA (lower is better)Top 9%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 2.4% | -10.7% | ↓ |
| EPS growth (YoY) | 25.8% | 38.1% | ↑ |
| Gross margin | 53.9% | 56.4% | ↑ |
| Operating margin | 21.5% | 17.3% | ↓ |
| FCF margin | 6.2% | 54.7% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -10.7% | 2.4% | ↓ | Bottom 11% |
| EPS growth (TTM, YoY) | 38.1% | 25.8% | ↑ | Top 28% |
| Gross margin | 56.4% | 53.9% | ↑ | Bottom 31% |
| Operating margin | 17.3% | 21.5% | ↓ | Bottom 40% |
| Net margin | 23.2% | 15.1% | ↑ | — |
| Free-cash-flow margin | 54.7% | 6.2% | ↑ | — |
| Return on invested capital | 4.7% | — | Top 30% | |
| Revenue growth, 3-year CAGR | 13.0% | — | Bottom 43% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 2.40×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -1.6%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.9%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -50.4 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -3.01×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.4×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 3.51%
- Net buyback yield (TTM)
- 1.74%
- Shareholder yield
- 5.26%
- Share count change, 1 year
- -0.9%
- Share count change, 3-year CAGR
- -0.7%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 2
- Beats in the last 8 reports
- 6 of 8
- Average EPS surprise, last 4
- +4.4%
- Average 2-day reaction, last 8
- +0.7%
- Positive 20 days after report
- 6 of 8
Analysts
- Consensus price target
- $33.67
- Target vs current price
- +6.3%
- Analysts with a rating
- 11
- Share rating Buy or Strong Buy
- 36%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 21, 2026 | +2.9% | +0.9% | -1.7% | +0.0% | — |
| Apr 21, 2026 | +5.6% | -2.2% | +9.0% | +4.9% | +18.1% |
| Jan 27, 2026 | -1.4% | +0.2% | -3.4% | -8.1% | +4.1% |
| Oct 21, 2025 | +10.6% | +1.5% | +12.8% | +7.8% | +19.8% |
| Jul 22, 2025 | -19.4% | +0.8% | -8.9% | -8.1% | -4.2% |
| Apr 22, 2025 | +1.8% | +4.4% | +5.5% | +10.1% | +21.4% |
| Jan 28, 2025 | +9.4% | -0.6% | +4.5% | +3.0% | +1.1% |
| Oct 22, 2024 | +2.1% | +0.7% | +14.7% | +28.0% | +13.8% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 21, 2026 | $0.79 | $0.77 | +2.9% | $72.2M |
| Apr 21, 2026 | $0.75 | $0.71 | +5.6% | $71.7M |
| Jan 27, 2026 | $0.70 | $0.71 | -1.4% | $71.2M |
| Oct 21, 2025 | $0.73 | $0.66 | +10.6% | $71.0M |
| Jul 22, 2025 | $0.50 | $0.62 | -19.4% | $65.6M |
| Apr 22, 2025 | $0.58 | $0.57 | +1.8% | $62.8M |
| Jan 28, 2025 | $0.58 | $0.53 | +9.4% | $60.8M |
| Oct 22, 2024 | $0.49 | $0.48 | +2.1% | $57.6M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 10.7× | 8.3× | 71th | Top 21% |
| P/E (forward) | 10.0× | — | — | — |
| EV / EBITDA | 11.1× | — | — | Top 35% |
| EV / Sales | 1.92× | — | — | Top 26% |
| Free-cash-flow yield | 22.38% | — | — | Top 12% |
| Earnings yield | 9.38% | — | — | Top 21% |
P/E over the past five years
Range 4.2× – 11.7× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +29.4%
- Earnings per share growth (TTM)
- +38.1%
- Change in P/E multiple
- +1.4%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 130
- 50-day average slope (20 days)
- -0.7%
- 200-day average slope (20 days)
- +1.4%
- Distance from 50-day average
- -0.2%
- Distance from 200-day average
- +7.3%
- RSI (14)
- 49.9
- Relative volume
- 0.74×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 18.3%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.81
- Correlation with S&P 500
- 0.42
- Current drawdown from 1-year high
- -4.9%
- Maximum drawdown, 3 years
- -28.0%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Feb 16, 2022 | May 11, 2023 | -49.7% | 309 days | 618 days (Oct 28, 2025) |
| May 6, 2021 | Jul 19, 2021 | -22.2% | 50 days | 71 days (Oct 27, 2021) |
| Jan 22, 2026 | Jan 28, 2026 | -16.2% | 4 days | 58 days (Apr 22, 2026) |
| Nov 24, 2021 | Dec 13, 2021 | -12.9% | 12 days | 17 days (Jan 6, 2022) |
| Mar 12, 2021 | Mar 23, 2021 | -12.9% | 7 days | 31 days (May 6, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $942.7M
- P/E (TTM)
- 10.7
- EPS, diluted (TTM)
- $2.97
- Revenue (TTM)
- $385.8M
- Dividend yield
- 3.50%
- 52-week range
- $22.85 – $33.50
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $256.8M | $308.0M | $397.6M | $429.5M | $444.7M |
| Gross profit | $259.6M | $271.0M | $245.2M | $229.1M | $255.6M |
| Operating income | $135.5M | $140.7M | $114.6M | $88.6M | $107.9M |
| Net income | $98.7M | $101.4M | $80.0M | $62.2M | $76.1M |
| EPS (diluted) | $3.22 | $3.32 | $2.62 | $2.05 | $2.51 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $108.0M | $107.5M | $107.0M | $109.4M | $115.1M | $112.9M | $102.2M | $55.6M |
| Net income | $14.9M | $17.7M | $17.7M | $15.1M | $22.1M | $21.2M | $22.6M | $23.5M |
| EPS (diluted) | $0.49 | $0.58 | $0.58 | $0.50 | $0.73 | $0.70 | $0.75 | $0.79 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $93.7M | $147.3M | $107.8M | $53.9M | $206.0M |
| Capital expenditure | -$2.7M | -$1.9M | -$2.4M | -$2.6M | -$2.3M |
| Free cash flow | $91.0M | $145.4M | $105.4M | $51.3M | $203.7M |
| Dividends paid | -$16.5M | -$28.6M | -$30.5M | -$30.4M | -$32.6M |
| Net share buybacks | -$6.1M | $19,000 | -$4.1M | -$6.3M | -$9.4M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $1.23B
- Total assets
- $8.00B
- Total liabilities
- $7.19B
- Total debt
- $130.8M
- Net debt
- -$200.4M
- Shareholders’ equity
- $812.7M
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 3, 2026 | $0.28 | Aug 19, 2026 |
| May 4, 2026 | $0.28 | May 20, 2026 |
| Feb 9, 2026 | $0.28 | Feb 26, 2026 |
| Nov 4, 2025 | $0.27 | Nov 20, 2025 |
| Aug 4, 2025 | $0.27 | Aug 20, 2025 |
| May 5, 2025 | $0.27 | May 21, 2025 |
| Feb 10, 2025 | $0.27 | Feb 26, 2025 |
| Nov 4, 2024 | $0.25 | Nov 20, 2024 |
Short interest
- Shares sold short
- 1,256,476
- Days to cover
- 6.62
- Change vs previous report
- +18.3%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Dec 19, 2011
- 1-for-8
- Feb 16, 2005
- 2-for-1
- Mar 5, 2002
- 109-for-100
- Sep 24, 2001
- 3-for-2
- Mar 12, 2001
- 28-for-25