Hanmi Financial Corporation Common Stock (HAFC)

FairStock Score: 67/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a bank, Hanmi lives on lending spreads and credit discipline, so I focus on earnings, book value, returns on equity and credit risk. At the 2026-10-13 close of $30.89, FairStock calculates 10.44 times earnings, 1.12 times book, an 11.34% ROE and a 3.62% dividend yield. That is not extravagant if the earnings are real. The filed numbers show progress: in fiscal Q2 2026, the quarter ended 2026-06-30, revenue was $72.2M and net income $23.5M, or $0.79 diluted EPS. In fiscal Q2 2025, revenue was $65.2M, net income $15.1M and diluted EPS $0.50. For FY2025, ended 2025-12-31, revenue was $270.2M and net income $76.1M, or $2.51 diluted EPS, up from FY2024's $234.4M revenue, $62.2M net income and $2.05 diluted EPS. But FY2024 was also down from FY2023, when revenue was $255.4M and net income $80.0M, so consistency is imperfect. FairStock's Piotroski F-Score of 4/9 is mixed, while its PEG of 0.38 shows a low price relative to expected growth. The computed Lynch category is STALWART, based on 12.5% annual profit growth over five years. What is missing matters: no CET1 ratio, net interest margin, nonperforming loans, reserves or charge-offs are in the data. Without those, I cannot underwrite credit risk. A low beta and moderate valuation are appealing, but a bank is only as good as its loan book.

In plain English: Hanmi is a bank holding company that takes deposits and makes loans to businesses, mostly through Hanmi Bank. In its latest reported quarter, revenue and profit rose from a year earlier, and the company pays a dividend. At the current price, the shares look reasonably priced compared with what the company earns and its net worth, but the record is not perfectly steady and key safety details about loans and capital are missing.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer