Zacks Investment Research·2d ago
Hanmi Financial (HAFC) Could Be a Great ChoiceDividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Hanmi Financial (HAFC) have what it takes?
Hanmi Financial's earnings trajectory is supported by accelerating loan growth and disciplined cost control, with net interest income rising 3.5% year-over-year to $63.2 million in 2026Q1 and the efficiency ratio improving to 40.4%. However, the bank's net int...
Price trend, volume and key moving averages
Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).
Check whether operating performance supports the current valuation.
Recent results and news deserve attention only when they alter the forward view.
| Quarter | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|
Q3 2026Latest Jul 21, 2026 | $0.79+2.9% vs $0.77 | $72M-2.5% vs $74M |
Q2 2026 Apr 21, 2026 | $0.75+5.6% vs $0.71 | $72M+0.5% vs $71M |
Q1 2026 Jan 27, 2026 | $0.70-1.4% vs $0.71 | $71M-0.3% vs $71M |
Q4 2025 Oct 21, 2025 | $0.73+10.6% vs $0.66 | $71M-0.6% vs $71M |
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Hanmi Financial (HAFC) have what it takes?
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Hanmi Financial (HAFC) have what it takes?
Hanmi Financial Corporation maintains a soft ‘buy' rating due to improving fundamentals, robust asset quality, and expanding net interest margin. HAFC's deposit base grew to $6.96 billion, while loan balances slightly declined and uninsured deposits rose to 44.9%, above the preferred threshold. Net interest margin increased to 3.36%, aided by lower deposit and debt costs, driving net interest income up to $62.7 million.
Hanmi Financial Corporation is upgraded to Buy, reflecting improved operational metrics and a stronger bottom line. HAFC maintains a robust deposit base with 30.7% non-interest-bearing deposits. Net interest margin stood at 3.36% in Q2 2026. Commercial real estate loans comprise 61% of the loan portfolio, with non-owner-occupied CRE at 41%. Heavy concentration of these loans in California adds risk here.
Benchmark HAFC against direct peers instead of judging its metrics in isolation.
Key metrics vs top competitors for Hanmi Financial Corporation (HAFC)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $31.58 | $940.02M | 12.58 | 15.63% | 17.11% | 9.96% | 3.44% | |
| $13.62 | $1.74B | 29.61 | 5.26% | 12.58% | 5.61% | — | |
| $105.80 | $1.25B | 10.16 | -0.2% | 46.36% | 17.32% | — | |
| $26.28 | $445.08M | 14.36 | 12.6% | 16.76% | 7.85% | — | |
| $21.52 | $692.19M | 11.15 | 41.03% | 26.02% | 10.44% | — | |
| $17.72 | $2.72B | 15.02 | 12.72% | -1.19% | -0.62% | — |
Hanmi Financial Corporation (HAFC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Verify the primary filings, follow material updates, and answer the remaining questions.
Hanmi Financial Corporation (HAFC) SEC filings — annual & quarterly reports (10-K, 10-Q)
Aug 17, 2026·SEC
Aug 11, 2026·SEC
Jul 31, 2026·SEC
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Hanmi Financial Corporation (HAFC) stock FAQ — growth, dividends, profitability & financials explained
Hanmi Financial Corporation (HAFC) grew revenue by 15.6% over the past year. This is strong growth.
Yes, Hanmi Financial Corporation (HAFC) is profitable, generating $89.4M in net income for fiscal year 2025 (17.1% net margin).
Yes, Hanmi Financial Corporation (HAFC) pays a dividend with a yield of 3.44%. This makes it attractive for income-focused investors.
Hanmi Financial Corporation (HAFC) has a return on equity (ROE) of 10.0%. This is below average, suggesting room for improvement.
Hanmi Financial Corporation (HAFC) has a net interest margin (NIM) of 3.0%. This indicates healthy earnings from lending activities.
Hanmi Financial Corporation (HAFC) has an efficiency ratio of 33.2%. This is excellent, indicating strong cost control.
