Is Hanmi Financial (HAFC) overvalued or fairly valued?

MarketChacha shows Hanmi Financial's valuation in context — a trailing P/E of about 12.3, a forward P/E of about 9.3, a price-to-book of about 1.2 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does Hanmi Financial's reported profit turn into cash?

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash. MarketChacha computes this cash-conversion check (1.68×) from reported figures — education, not a rating.

What is Hanmi Financial's revenue?

Hanmi Financial reported revenue of $270.2M for FY2025, with net profit of $76.1M, per official filings.

What is the share price of Hanmi Financial (HAFC)?

Hanmi Financial last traded at $31.52 (-2.9% on the day), as of 7/22/2026 — a delayed quote shown for education, not investment advice.

Hanmi Financial

HAFC · NYSE · Financials · United States

$31.52-2.9%

Delayed · as reported by Yahoo Finance · as of Jul 22, 2026, 7:28 PM

Snapshot

TickerHAFC

ExchangeNYSE

SectorFinancials

IndustryBanks - Regional

CountryUnited States

Employees606

HeadquartersLos Angeles, United States

Market cap$938.2M

P/E (TTM)12.3

P/B1.2

Volume347.14K

Websitewww.hanmi.com

Filings tracked6

About Hanmi Financial

Hanmi Financial Corporation operates as the holding company for Hanmi Bank that provides business banking products and services in the United States. The company offers deposit products, including noninterest-bearing checking, negotiable order of withdrawal, savings, and money market accounts, as well as certificates of deposit. It also provides real estate loans, such as commercial property, construction, and residential property loans; and commercial and industrial loans comprising commercial term loan, and commercial lines of credit and international; equipment lease financing; and international finance and trade services and products, including letters of credit, and import and export financing. In addition, the company offers small business administration loans for business purposes, such as owner-occupied commercial real estate, business acquisitions, start-ups, franchise financing, working capital, improvements and renovations, inventory and equipment, and debt-refinancing. Hanmi Financial Corporation was founded in 1982 and is based in Los Angeles, California.

Profile as reported by Yahoo Finance.

Who owns it

Insiders2.2%
Institutions96.8%
Public & other1.1%

330 institutional holders

As reported by Yahoo Finance.

Top holders

Blackrock Inc.14.74%
Dimensional Fund Advisors LP5.92%
State Street Corporation5.18%
LSV Asset Management4.52%
Vanguard Capital Management LLC4.39%
American Century Companies Inc3.45%
Charles Schwab Investment Management, Inc.3.23%
Geode Capital Management, LLC3.04%

Largest institutional holders, as reported by Yahoo Finance (as of 3/31/2026).

Forensic scorecard

Margin has compressed by about 3.2 points over the period — profitability is trending down.

Cash conversion1.68×

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash.

Net margin trend31.3% → 28.2%

Margin has compressed by about 3.2 points over the period — profitability is trending down.

Growth qualityrev 3% · PAT -2%

Profit growth is broadly tracking revenue growth — the earnings trend looks operational rather than one-off.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $77.8M · EPS 0.83

Est. earnings growth +18.6%

Next fiscal year

Rev $320.1M · EPS 3.40

Est. earnings growth +7.4%

Analyst consensus estimates — not the company's own guidance. As reported by Yahoo Finance.

$22.0052-wk range$33.50

Delayed · as reported by Yahoo Finance

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P/E ROE ROCE Margins Market cap

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

Market cap

$938.2M

Day change

-2.9%

P/E (TTM)

12.3

Fwd P/E

9.3

P/B

1.2

Div yield

3.45%

Revenue (FY2025)

$270.2M

Net margin

28.2%

ROE

9.6%

Revenue CAGR (2y)

+2.8%

Profit CAGR (2y)

-2.5%

EPS (FY2025)

2.51

Net profit (FY2025)

$76.1M

Market figures: Delayed · as reported by Yahoo Finance. Financials as reported in company filings.

Ask MarketChacha about HAFC

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Financials

Yearly

Period	Revenue	Net profit	EPS	Net margin	ROE
FY2025	$270.2M	$76.1M	2.51	28.2%	9.6%
FY2024	$234.4M	$62.2M	2.05	26.5%	8.5%
FY2023	$255.4M	$80.0M	2.62	31.3%	11.4%

Quarterly

Period	Revenue	Net profit	EPS	Net margin
2026Q1	$71.7M	$22.6M	0.75	31.4%
2025Q3	$71.0M	$22.1M	0.73	31.1%
2025Q2	$65.2M	$15.1M	0.50	23.2%
2025Q1	$62.8M	$17.7M	0.58	28.1%
2024Q3	$58.5M	$14.9M	0.49	25.5%
2024Q2	$56.7M	$14.5M	0.48	25.5%
2024Q1	$58.4M	$15.2M	0.50	26.0%
2023Q3	—	$18.8M	0.62	—
2023Q2	—	$20.6M	0.67	—
2023Q1	—	$22.0M	0.72	—

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

8-K — Results of operations, Exhibits
SEC7/21/2026material
8-K — Executive/director change, Shareholder vote results, Exhibits
SEC5/28/2026material
10-Q filing
SEC5/8/2026
8-K — Reg FD disclosure, Exhibits
SEC5/1/2026material
8-K — Other events, Exhibits
SEC4/23/2026material
8-K — Results of operations, Exhibits
SEC4/21/2026material

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed · as reported by yahoo finance) are delayed and shown for reference only. Verify with the linked sources before acting.