Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
HAFC
Strong BuyFull HouseFLAGHanmi Financial Corporation · Financial Services · United States · $923M · Avg Vol: $6M/d
Hanmi Financial has momentum M67 with a buyback on file, but quality Q59 and value V52 both miss the all-three-above-60 path, and insiders sold 0.02% with no offsetting purchase, net selling, which is separately adverse.
COMPANY DESCRIPTION
Hanmi Financial Corporation operates Hanmi Bank, a full-service commercial and consumer bank primarily serving the Korean-American community and small-to-medium-sized businesses across California. The company differentiates itself through its deep understanding of a specific ethnic market, offering tailored financial products and cultivating strong, relationship-based banking services within its niche.
FINANCIAL SUMMARY (USD)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | 271.8M | 249.5M | 233.5M | 270.2M | -0.2% | 277.9M | 295.9M | 312.3M | 7.5% |
| EPS | 3.22 | 3.33 | 2.63 | 2.06 | 2.53 | -5.9% | 2.97 | 3.21 | 3.40 | 15.9% |
| Shares | — | 30.5M | 30.4M | 30.2M | 29.9M | -1.9% | 29.6M | — | — | — |
| Debt | — | 479.4M | 455.0M | 393.1M | 280.5M | -16.4% | 169.3M | — | — | — |
| Equity | — | 637.5M | 701.9M | 732.2M | 796.4M | 7.7% | — | — | — | — |
| Op CF | — | 147.3M | 109.3M | 52.6M | 206.0M | 11.8% | 213.2M | — | — | — |
| Inv CF | — | -881.5M | -211.4M | -106.1M | -384.3M | — | — | — | — | — |
| Fin CF | — | 477.7M | 52.1M | 56.0M | 86.4M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of HAFC are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| HAFC | Hanmi Financial Corporation(you) | $923M | 82 | Strong Buy |
| THFF | First Financial Corporation | $942M | 82 | Strong Buy |
| FMNB | Farmers National Banc Corp. | $929M | 82 | Strong Buy |
| FISI | Financial Institutions, Inc. | $807M | 82 | Strong Buy |
| ORRF | Orrstown Financial Services, Inc. | $825M | 77 | Buy |
| WASH | Washington Trust Bancorp, Inc. | $753M | 78 | Buy |
| BFST | Business First Bancshares, Inc. | $1.0B | 76 | Buy |
| TCBX | Third Coast Bancshares, Inc. | $752M | 77 | Buy |
| MPB | Mid Penn Bancorp, Inc. | $929M | 73 | Buy |
| HBT | HBT Financial, Inc. | $1.3B | 85 | Strong Buy |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%