Reading HAFC? Track it free: the weekly brief, plus an alert if the thesis breaks. No credit card.
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NASDAQFinancialsBanks - RegionalSnapshot 2026-06-16
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
Recent financial performance is strong, with robust earnings quality and stable management. The company has a capital-friendly approach, but the sector backdrop presents a headwind, and risk is moderate. Peer multiples imply a price roughly in line with where it trades (about fair); the read is fair, quality intact. Key factors to watch include potential guidance cuts and sector trends, as these could significantly impact performance. This read is provisional.
Daily closes. Earnings/event dots are placed inline.
A consensus fair price across 8 valuation methods, at three horizons. Current price $31.26. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
No-growth: today's peer multiple on trailing earnings. The headline read.
Embeds projected growth. Leans optimistic by design. Upside context.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $31 HAFC trades at 12× p/e, below its 12× p/e peer median. Our $32 fair value sits above the price; high confidence. Not investment advice.
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
The price implies about 2% below a flat-multiple fair value, in line with our forecast of about -7%. This describes what's priced in, not a forecast of the move.
Only a turbulent sector regime (Heating) — not the full expensive x weak x turbulent stack.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated strong grew net income 67% of the time over the next year (vs 54% for the rest of the cohort, n=3733).
Over the trailing year it converted 2.51x of net income into operating cash flow. Historically, Financials names rated robust grew net income 62% of the time over the next year (vs 54% for the rest of the cohort, n=3541).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, Fed net liquidity, real (inflation-adjusted) rates, long-term interest rates.
The next print and the backdrop around it (sector regime and the AI cycle). Context for the path, not a forecast of returns.
EPS estimate $0.77 → $0.77 (+0.0% / 30d). 4 raised, 0 cut, 4 covering analysts.
0 upgrades, 0 downgrades / 30d. 25% of analysts rate Buy.
1 PT revisions / 30d. Avg target 5.0% above current price.
0 positive, 0 negative / 30d.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
What a normal day, a bad day, and the worst of the last year would mean for a $10,000 position.
On a typical day, $10k can swing ±$90.
How much price usually moves either way.
On a bad day, this stock has moved -$213.
A rough but not unusual down day (about the 95th percentile).
In the worst 12 months, $10k could have lost $1,623.
Deepest peak-to-trough drop in the last year.
Past results, not a forecast. Not investment advice.
The most important moves since the prior daily snapshot.
No material changes since the prior snapshot.
as of 2026-06-16
Specific, dated things to watch for, each with what would confirm it and what would prove it wrong.
Why it matters: Strong net income growth shows Hanmi's growth strategy is working. This can boost investor confidence.
Confirms:Q2 net income growth exceeds 6.2% compared to Q1 2026.
Disproves:Q2 net income growth is less than or equal to 6.2%.
Recent news graded against this company's own objectives — whether it reinforces or challenges the thesis, and how confirmed it is.
No graded news catalysts for HAFC yet.
Conditional scenarios: if X happens, the view would shift in this direction. These are not predictions.
Recent SEC 8-K filings ranked by likely impact, confidence, and recency.
Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers (b) On May 22, 2026, Gideon Yu, a member of the Board of Directors of Hanmi Financial Corporation (the “Corporation”) and its subsidiary corporation, Hanmi Bank (the “Bank”), notified the Corporation of his resignation from the Boards of the Corporation and the Bank, effective immediately. Mr. Yu had served as a member of the Board since 2021 and wa…
Whether the overall read has been drifting up or down lately, and how it's changed since last week.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Long-thesis check; widest uncertainty.
Roughly priced in line with peers.
Richer than its own typical valuation.
Trailing four: 2025-Q1, 2025-Q2, 2025-Q3, 2026-Q1
A side-by-side read on sector standing, valuation, and risk versus Regional Banks.
| Stock | Sector standing | Valuation | Risk |
|---|---|---|---|
HAFC Hanmi Financial Corporation | Above typical Show detailsSector percentile: 76 of 100 | fair | moderate |
HDB HDFC BANK LTD | — | — | moderate |
IBN ICICI BANK LTD | — | — | moderate |
ITUB ITAU UNIBANCO HOLDING SA | — | — | moderate |
FITB Fifth Third Bancorp | Below typical Show detailsSector percentile: 2 of 100 | expensive | moderate |
4 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated stable grew net income 56% of the time over the next year (vs 56% for the rest of the cohort, n=3736).
Not investment advice. As of 2026-06-16.
via XLF
Tailwind = sector leading the S&P 500; headwind = trailing. Both can be constructive. Historically, headwind regimes have averaged stronger forward returns than tailwind.
Context label only: describes the market state (e.g. real bear vs narrative panic, healthy uptrend vs late-stage froth). It is not a per-ticker buy/sell signal and does not predict factor performance.
Not investment advice. As of 2026-06-16.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Focus on growing net income through strategic initiatives and operational efficiencies.
Continue to provide consistent dividend payments to shareholders.
Implement a share repurchase program to return capital to shareholders.
Why it matters: Keeping dividend payments shows good financial health. It shows a commitment to shareholders.
Confirms:The dividend is paid as scheduled on May 20, 2026.
Disproves:The dividend payment is delayed or canceled.
Why it matters: More nonperforming assets may mean lower asset quality. This can hurt investor confidence.
Confirms:Nonperforming assets were above 0.16% of total assets. This shows asset quality issues.
Disproves:Nonperforming assets stayed at or below 0.16%. This confirms strong asset quality.
Why it matters: If deposit growth slows, it may show weak customer confidence or more competition.
Confirms:Quarterly deposit growth was under 1.8%. This shows there may be problems attracting deposits.
Disproves:Deposit growth was above 1.8%. This shows continued strength in customer deposits.
Why it matters: A share buyback shows confidence in the company. It can help the share price.
Confirms:Expect news about the share buyback in the next quarter.
Disproves:No announcement of share buyback execution in the next quarter.
Results of Operations and Financial Condition. On April 21, 2026, Hanmi Financial Corporation (“Hanmi Financial”) issued a press release announcing its financial results for the quarter ended March 31, 2026. A copy of the press release is attached as Exhibit 99.1 to this Form 8-K. In connection therewith, Hanmi Financial provided a supplemental presentation on its website at https://investors.hanmi.com . A copy of the supplemental presentation is attached hereto as Exhibit 99.2. This informat…
Other Events. On April 23, 2026, Hanmi Financial Corporation (“Hanmi Financial”) issued a press release announcing that its Board of Directors declared a cash dividend on its common stock for the 2026 second quarter of $0.28 per share. The dividend will be paid on May 20, 2026, to stockholders of record as of the close of business on May 4, 2026. A copy of the press release announcing the dividend and share repurchase is included as exhibit 99.1 to this report and is incorporated herein by re…
Other Events. On January 29, 2026, Hanmi Financial Corporation (“Hanmi Financial”) issued a press release announcing that its Board of Directors declared a cash dividend on its common stock for the 2026 first quarter of $0.28 per share, up 4% from the prior quarter. The dividend will be paid on February 25, 2026, to stockholders of record as of the close of business on February 9, 2026. In addition, the Company announced the expansion of its existing share repurchase authorization by 1.5 mill…
Results of Operations and Financial Condition. On October 21, 2025, Hanmi Financial Corporation (“Hanmi Financial”) issued a press release announcing its financial results for the quarter ended September 30, 2025. A copy of the press release is attached as Exhibit 99.1 to this Form 8-K. In connection therewith, Hanmi Financial provided a supplemental presentation on its website at https://investors.hanmi.com . A copy of the supplemental presentation is attached hereto as Exhibit 99.2. This in…