Why did Hanmi Financial (HAFC) stock move recently?

On 7/22/2026, Hanmi Financial moved -3.3% — HAFC fell on a Q2 revenue miss ($72.2M vs. ~$74-75.5M estimates) despite EPS matching or beating at $0.79; management commentary was positive with stable NIM and low-to-mid single-digit loan growth expected, but the top-line shortfall drove the reaction. This is MarketChacha's decoded reason from filings and credible news; it is education, not buy/sell advice.

Is Hanmi Financial (HAFC) overvalued or fairly valued?

MarketChacha shows Hanmi Financial's valuation in context — a trailing P/E of about 11.4, a forward P/E of about 9.3, a price-to-book of about 1.1 — 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 $31.47 (+1.6% on the day), as of 10/20/2026 — a delayed quote shown for education, not investment advice.

Hanmi Financial

HAFC · NYSE · Financials · United States

Snapshot

TickerHAFC

ExchangeNYSE

SectorFinancials

IndustryBanks - Regional

CountryUnited States

Employees606

HeadquartersLos Angeles, United States

Websitewww.hanmi.com

Filings tracked24

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.

Who owns it

Insiders2.2%
Institutions95.2%
Public & other2.6%

335 institutional holders

Ownership breakdown from public market data.

Top holders

Blackrock Inc.14.80%
Dimensional Fund Advisors LP6.02%
State Street Corporation5.31%
LSV Asset Management4.50%
Vanguard Capital Management LLC4.44%
American Century Companies Inc3.74%
Charles Schwab Investment Management, Inc.3.52%
Geode Capital Management, LLC2.95%

Largest institutional holders — last updated 6/30/2026.

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 $76.9M · EPS 0.83

Est. earnings growth +18.6%

Next fiscal year

Rev $313.6M · EPS 3.36

Est. earnings growth +5.5%

Analyst consensus estimates — not the company's own guidance.

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

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

Ask MarketChacha about HAFC

Get a cited, plain-English answer — the “why”, not just data. Finance research only, never buy/sell advice.

Why it moved

Jul 22, 2026
HAFC fell on a Q2 revenue miss ($72.2M vs. ~$74-75.5M estimates) despite EPS matching or beating at $0.79; management commentary was positive with stable NIM and low-to-mid single-digit loan growth expected, but the top-line shortfall drove the reaction.
source 1 ↗source 2 ↗source 3 ↗· confidence: medium

Daily moves with the verified reason behind them. Education only — not investment advice.

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
2026Q2	$72.2M	$23.5M	0.79	32.6%
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 — Reg FD disclosure, Exhibits
SEC8/17/2026material
8-K — Reg FD disclosure, Exhibits
SEC8/11/2026material
10-Q filing
SEC8/7/2026
8-K — Material agreement, Material financial obligation, Reg FD disclosure, Other events, Exhibits
SEC7/31/2026material
8-K — Reg FD disclosure, Exhibits
SEC7/27/2026material
8-K — Other events, Exhibits
SEC7/23/2026material
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
10-K filing
SEC2/27/2026
8-K — Reg FD disclosure, Exhibits
SEC2/24/2026material
8-K — Reg FD disclosure, Exhibits
SEC2/3/2026material
8-K — Other events, Exhibits
SEC1/29/2026material
8-K — Results of operations, Exhibits
SEC1/27/2026material

2025

8-K — Reg FD disclosure, Exhibits
SEC11/14/2025material
10-Q filing
SEC11/7/2025
8-K — Other events, Exhibits
SEC10/24/2025material
8-K — Results of operations, Exhibits
SEC10/21/2025material
8-K — Executive/director change, Exhibits
SEC9/30/2025material
10-Q filing
SEC8/8/2025
8-K — Reg FD disclosure, Exhibits
SEC7/29/2025material

In the news

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