HAFC Hanmi Financial Corporation - Common Stock
$29.64
Price · May 20, 2026
Fundamentals as of May 8, 2026
52W Range
$22–$31
82% of range
Analyst Rating
BUY
10 analysts
Price Target
$33
+11% upside
P/E (TTM)
10.8
ROE
9.8%
Net Profit Margin
28.2%
HAFC Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$29.64
Market Cap
$808M
P/E (TTM)
10.8
EPS (TTM)
$2.51
Revenue (TTM)
$270M
Div Yield
4.0%
ROE
9.8%
Debt/Equity
—
52W Range
$22 – $31
HAFC Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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10-Year Performance Revenue, net income, margins and EPS trends
Revenue & Net Income
$270M
2022-12-31
→
2025-12-31
EPS
$2.51
2016-12-31
→
2025-12-31
Free Cash Flow
$204M
2016-12-31
→
2025-12-31
Margins
28.2%
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
Metric
5Y trend
HAFC
Peer Median
P/E (TTM)
10.8
11.9
P/S (TTM)
3.0
2.1
P/B
1.0
1.0
Price / FCF
4.0
—
Profitability Gross, operating and net margins; ROE, ROA, ROIC
Metric
5Y trend
HAFC
Peer Median
Operating Margin
28.2%
—
Net Profit Margin
28.2%
30.2%
ROA
0.98%
0.95%
ROE
9.8%
8.9%
ROIC
6.7%
—
Financial Health Debt, liquidity, solvency — balance sheet strength
Metric
5Y trend
HAFC
Peer Median
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
Metric
5Y trend
HAFC
Peer Median
Revenue YoY
15.3%
—
Revenue CAGR 3Y
-0.21%
—
EPS YoY
22.4%
—
Net Income YoY
22.3%
—
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
Metric
5Y trend
HAFC
Peer Median
Payout Ratio
42.9%
—
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield
4.0%
Payout Ratio
42.9%
5Y Div CAGR
—
| Ex-date | Amount |
|---|---|
| May 4, 2026 | $0.2800 |
| Feb. 9, 2026 | $0.2800 |
| Nov. 4, 2025 | $0.2700 |
| Aug. 4, 2025 | $0.2700 |
| May 5, 2025 | $0.2700 |
| Feb. 10, 2025 | $0.2700 |
| Nov. 4, 2024 | $0.2500 |
| Aug. 5, 2024 | $0.2500 |
| May 3, 2024 | $0.2500 |
| Feb. 2, 2024 | $0.2500 |
| Nov. 3, 2023 | $0.2500 |
| Aug. 4, 2023 | $0.2500 |
| May 5, 2023 | $0.2500 |
| Feb. 3, 2023 | $0.2500 |
| Nov. 4, 2022 | $0.2500 |
| Aug. 5, 2022 | $0.2500 |
| May 6, 2022 | $0.2200 |
| Feb. 4, 2022 | $0.2200 |
| Nov. 5, 2021 | $0.2000 |
| Aug. 6, 2021 | $0.1200 |
HAFC Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
BUY
10 analysts
- Strong Buy 2 20.0%
- Buy 5 50.0%
- Hold 3 30.0%
- Sell 0 0.0%
- Strong Sell 0 0.0%
12-Month Price Target
4 analysts · 2026-05-14
Median
$32.50
Mean
$32.88
← Below all targets
$29.64
Low
$31.50
High
$35.00
Median target
$32.50
+9.6%
Mean target
$32.88
+10.9%
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
-0.01%
| Period | EPS Actual | EPS Est | Surprise |
|---|---|---|---|
| March 31, 2026 | $0.75 | $0.72 | 0.03% |
| Dec. 31, 2025 | $0.70 | $0.72 | -0.02% |
| Sept. 30, 2025 | $0.73 | $0.66 | 0.07% |
| June 30, 2025 | $0.50 | $0.62 | -0.12% |
| March 31, 2025 | $0.58 | $0.58 | -0.00% |
Peer Comparison Key metrics vs sector peers
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| HAFC | $808M | 10.8 | 15.3% | 28.2% | 9.8% | — |
| CPF | $822M | 10.9 | 33.8% | 149.5% | 13.3% | — |
| BFST | $771M | 9.4 | 1.2% | 820.8% | 10.1% | — |
| CCNE | — | 10.5 | 24.6% | 23.4% | 8.8% | — |
| MBWM | $826M | 8.8 | 4.8% | 36.6% | 13.1% | — |
| FSBC | $765M | 12.3 | 25.6% | 38.9% | 14.3% | — |
| AMTB | — | 15.5 | 30.8% | 11.9% | 5.6% | — |
| TRST | $745M | 12.7 | 9.4% | 32.5% | 8.9% | — |
| FMNB | — | 9.2 | 3.9% | — | — | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement 12
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue | $270M | $234M | $255M | $272M | |
| Operating Income | $76M | $62M | $80M | $101M | |
| Interest Expense | · | · | $148M | $36M | |
| Interest Income | $411M | $399M | $369M | $274M | |
| Pretax Income | $108M | $89M | $115M | $141M | |
| Income Tax | $32M | $26M | $35M | $39M | |
| Net Income | $76M | $62M | $80M | $101M | |
| EPS (Basic) | $2.53 | $2.06 | $2.63 | $3.33 | |
| EPS (Diluted) | $2.51 | $2.05 | $2.62 | $3.32 | |
| Shares (Basic) | 29,852,149 | 30,019,815 | 30,269,740 | 30,299,148 | |
| Shares (Diluted) | 30,042,274 | 30,102,336 | 30,330,258 | 30,392,057 | |
| EBITDA | $79M | $65M | $3M | $4M |
Balance Sheet 13
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| PP&E (Net) | $20M | $21M | $22M | $23M | |
| PP&E (Gross) | $69M | $67M | $67M | $68M | |
| Accum. Depreciation | $48M | $46M | $45M | $45M | |
| Goodwill | $11M | $11M | $11M | $11M | |
| Total Assets | $7.87B | $7.68B | $7.57B | $7.38B | |
| Total Liabilities | $7.07B | $6.95B | $6.87B | $6.74B | |
| Common Stock | $34.0K | $34.0K | $34.0K | $33.0K | |
| Retained Earnings | $394M | $351M | $319M | $270M | |
| Treasury Stock | $149M | $139M | $132M | $126M | |
| AOCI | $-43M | $-71M | $-72M | $-89M | |
| Stockholders' Equity | $796M | $732M | $702M | $638M | |
| Liabilities + Equity | $7.87B | $7.68B | $7.57B | $7.38B | |
| Shares Outstanding | 29,894,757 | 30,195,999 | 30,368,655 | 30,485,621 |
Cash Flow 15
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| D&A | $3M | $3M | $3M | $4M | |
| Stock-based Comp | $4M | $4M | $3M | $3M | |
| Deferred Tax | $-10M | $-3M | $-5M | $38M | |
| Other Non-cash | $133M | $-12M | $27M | $2M | |
| Operating Cash Flow | $206M | $53M | $109M | $147M | |
| CapEx | $2M | $3M | $2M | $2M | |
| Investing Cash Flow | $-384M | $-106M | $-211M | $-882M | |
| Stock Repurchased | $9M | $6M | $4M | · | |
| Net Stock Activity | $-9M | $-6M | $-4M | · | |
| Dividends Paid | $33M | $30M | $31M | $29M | |
| Financing Cash Flow | $86M | $56M | $52M | $478M | |
| Net Change in Cash | $-92M | $2M | $-50M | $-257M | |
| Taxes Paid | $36M | $42M | $17M | $13M | |
| Free Cash Flow | $204M | $51M | $105M | $145M | |
| Levered FCF | · | · | $2M | $119M |
Profitability 7
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Operating Margin | 28.2% | 26.5% | · | · | |
| Net Margin | 28.2% | 26.5% | 31.3% | 37.3% | |
| Pretax Margin | 40.0% | 37.8% | 44.9% | 51.8% | |
| EBITDA Margin | 29.4% | 27.9% | 1.3% | 1.4% | |
| ROA | 0.98% | 0.82% | 1.1% | 1.4% | |
| ROE | 9.8% | 8.5% | 11.7% | 16.3% | |
| ROIC | 6.7% | 6.0% | · | · |
Efficiency 1
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 |
Growth Rates 9
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue YoY | 15.3% | -8.3% | -6.0% | · | |
| Revenue CAGR 3Y | -0.21% | · | · | · | |
| EPS YoY | 22.4% | -21.8% | -21.1% | 3.1% | |
| EPS CAGR 3Y | -8.9% | -14.0% | 23.8% | · | |
| EPS CAGR 5Y | 12.7% | · | · | · | |
| Net Income YoY | 22.3% | -22.3% | -21.1% | 2.8% | |
| Net Income CAGR 3Y | -9.1% | -14.3% | 23.8% | · | |
| Net Income CAGR 5Y | 12.5% | · | · | · | |
| Dividend CAGR 5Y | 15.4% | · | · | · |
Valuation (TTM) 13
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue TTM | $270M | $234M | $255M | $272M | |
| Net Income TTM | $76M | $62M | $80M | $101M | |
| Market Cap | $808M | $713M | $589M | $755M | |
| P/E | 10.8 | 11.5 | 7.4 | 7.5 | |
| P/S | 3.0 | 3.0 | 2.3 | 2.8 | |
| P/B | 1.0 | 1.0 | 0.8 | 1.2 | |
| P / Tangible Book | 1.0 | 1.0 | 0.9 | 1.2 | |
| P / Cash Flow | 3.9 | 13.2 | 5.5 | 5.1 | |
| P / FCF | 4.0 | 13.9 | 5.6 | 5.2 | |
| Dividend Yield | 4.0% | 4.3% | 5.2% | 3.8% | |
| Earnings Yield | 9.3% | 8.7% | 13.5% | 13.4% | |
| Payout Ratio | 42.9% | 48.8% | 38.1% | 28.2% | |
| Annual Payout | $33M | $30M | $31M | $29M |
Income Statement 12
| Metric | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $72M | $71M | $71M | $65M | $63M | $61M | $58M | $57M | $58M | |
| Operating Income | $23M | $21M | $22M | $15M | $18M | $18M | $15M | $14M | $15M | |
| Interest Expense | · | · | · | · | · | · | · | $50M | $49M | |
| Interest Income | $102M | $105M | $105M | $101M | $99M | $100M | $100M | $99M | $100M | |
| Pretax Income | $30M | $30M | $31M | $21M | $25M | $25M | $21M | $20M | $22M | |
| Income Tax | $8M | $9M | $9M | $6M | $7M | $8M | $6M | $6M | $7M | |
| Net Income | $23M | $21M | $22M | $15M | $18M | $18M | $15M | $14M | $15M | |
| EPS (Basic) | $0.76 | $0.71 | $0.73 | $0.50 | $0.59 | $0.59 | $0.49 | $0.48 | $0.50 | |
| EPS (Diluted) | $0.75 | $0.70 | $0.73 | $0.50 | $0.58 | $0.58 | $0.49 | $0.48 | $0.50 | |
| Shares (Basic) | 29,629,130 | -59,864,822 | 29,830,475 | 29,948,836 | 29,937,660 | -60,123,748 | 29,968,004 | 30,055,913 | 30,119,646 | |
| Shares (Diluted) | 29,808,999 | -59,951,295 | 29,880,865 | 30,054,456 | 30,058,248 | -60,184,635 | 30,033,679 | 30,133,646 | 30,119,646 | |
| EBITDA | $23M | · | $22M | $15M | $18M | · | · | · | · |
Balance Sheet 13
| Metric | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| PP&E (Net) | $20M | $20M | $20M | $21M | $21M | $21M | $21M | $22M | $22M | |
| PP&E (Gross) | · | $69M | · | · | · | $67M | · | · | · | |
| Accum. Depreciation | · | $48M | · | · | · | $46M | · | · | · | |
| Goodwill | $11M | $11M | $11M | $11M | $11M | $11M | $11M | $11M | $11M | |
| Total Assets | $7.84B | $7.87B | $7.86B | $7.86B | $7.73B | $7.68B | $7.71B | $7.59B | $7.51B | |
| Total Liabilities | $7.04B | $7.07B | $7.08B | $7.10B | $6.98B | $6.95B | $6.98B | $6.88B | $6.81B | |
| Common Stock | $34.0K | $34.0K | $34.0K | $34.0K | $34.0K | $34.0K | $34.0K | $34.0K | $34.0K | |
| Retained Earnings | $408M | $394M | $381M | $367M | $360M | $351M | $341M | $333M | $327M | |
| Treasury Stock | $155M | $149M | $147M | $143M | $141M | $139M | $138M | $137M | $134M | |
| AOCI | $-46M | $-43M | $-48M | $-55M | $-60M | $-71M | $-55M | $-78M | $-77M | |
| Stockholders' Equity | $803M | $796M | $780M | $763M | $751M | $732M | $737M | $707M | $703M | |
| Liabilities + Equity | $7.84B | $7.87B | $7.86B | $7.86B | $7.73B | $7.68B | $7.71B | $7.59B | $7.51B | |
| Shares Outstanding | 29,806,694 | 29,894,757 | 29,975,371 | 30,176,568 | 30,233,514 | 30,195,999 | 30,196,755 | 30,272,110 | 30,276,358 |
Cash Flow 13
| Metric | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $862.0K | $875.0K | $-786.0K | $2M | $801.0K | $806.0K | $-777.0K | $2M | $2M | |
| Stock-based Comp | $707.0K | $899.0K | $943.0K | $883.0K | $873.0K | $920.0K | $920.0K | $960.0K | $775.0K | |
| Operating Cash Flow | $24M | $52M | $147M | $-19M | $26M | $14M | $7M | $2M | $30M | |
| CapEx | $499.0K | $915.0K | $560.0K | $569.0K | $263.0K | $840.0K | $217.0K | $769.0K | $794.0K | |
| Investing Cash Flow | $59M | $-43M | $-271M | $-39M | $-31M | $16M | $-104M | $-8M | $-9M | |
| Stock Repurchased | $5M | $2M | $5M | $2M | $1M | $554.0K | $1M | $3M | $2M | |
| Net Stock Activity | $-5M | · | · | · | $-1M | · | · | · | $-2M | |
| Dividends Paid | $8M | $8M | $8M | $8M | $8M | $8M | $8M | $8M | $8M | |
| Financing Cash Flow | $-41M | $-12M | $-40M | $109M | $29M | $-13M | $72M | $63M | $-67M | |
| Net Change in Cash | $41M | $-3M | $-164M | $51M | $24M | $17M | $-25M | $57M | $-46M | |
| Taxes Paid | $336.0K | $17M | $6M | $13M | $550.0K | $39M | $-20M | $22M | $175.0K | |
| Free Cash Flow | $23M | · | · | · | $26M | · | · | · | $29M | |
| Levered FCF | · | · | · | · | · | · | · | · | $-5M |
Profitability 7
| Metric | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Margin | 31.4% | · | 31.1% | 23.2% | 28.1% | · | · | · | · | |
| Net Margin | 31.4% | · | 31.1% | 23.2% | 28.1% | · | 25.5% | 25.5% | 26.0% | |
| Pretax Margin | 42.5% | · | 44.3% | 32.6% | 40.0% | · | 36.1% | 36.1% | 37.2% | |
| EBITDA Margin | 31.4% | · | 31.1% | 23.2% | 28.1% | · | · | · | · | |
| ROA | 0.29% | · | 0.28% | 0.20% | 0.23% | · | 0.20% | 0.19% | 0.20% | |
| ROE | 2.9% | · | 2.9% | 2.1% | 2.4% | · | 2.1% | 2.1% | 2.2% | |
| ROIC | 2.1% | · | 2.0% | 1.4% | 1.7% | · | · | · | · |
Efficiency 1
| Metric | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 |
Valuation (TTM) 11
| Metric | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $271M | · | $257M | $243M | $236M | · | · | · | · | |
| Net Income TTM | $77M | · | $70M | $62M | $62M | · | $63M | $69M | $77M | |
| Market Cap | $786M | · | $740M | $745M | $685M | · | $562M | $506M | $482M | |
| P/E | 10.3 | · | 10.7 | 12.0 | 11.1 | · | 8.9 | 7.4 | 6.3 | |
| P/S | 2.9 | · | 2.9 | 3.1 | 2.9 | · | · | · | · | |
| P/B | 1.0 | · | 0.9 | 1.0 | 0.9 | · | 0.8 | 0.7 | 0.7 | |
| P / Tangible Book | 1.0 | · | 1.0 | 1.0 | 0.9 | · | 0.8 | 0.7 | 0.7 | |
| P / Cash Flow | 32.9 | · | · | · | 26.5 | · | · | · | 16.1 | |
| P / FCF | 33.6 | · | · | · | 26.8 | · | · | · | 16.5 | |
| Earnings Yield | 9.7% | · | 9.3% | 8.3% | 9.0% | · | 11.2% | 13.6% | 15.8% | |
| Payout Ratio | 37.1% | · | · | · | 46.1% | · | · | · | 50.7% |
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
Income Statement
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Revenue | $270M | $234M | $255M | $272M | — |
| Operating Margin % | 28.2% | 26.5% | — | — | — |
| Net Income | $76M | $62M | $80M | $101M | $99M |
| Diluted EPS | $2.51 | $2.05 | $2.62 | $3.32 | $3.22 |
Cash Flow
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Free Cash Flow | $204M | $51M | $105M | $145M | $91M |
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