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Upturn AI SWOT - About
HAFC 
Hanmi Financial Corporation (HAFC)
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Upturn Advisory Summary
08/28/2025: HAFC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
4 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $27.75
1 Year Target Price $27.75
| 1 | Strong Buy |
| 1 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 28.4% | Avg. Invested days 32 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 766.11M USD | Price to earnings Ratio 11.7 | 1Y Target Price 27.75 |
Price to earnings Ratio 11.7 | 1Y Target Price 27.75 | ||
Volume (30-day avg) 4 | Beta 0.74 | 52 Weeks Range 16.88 - 26.85 | Updated Date 08/29/2025 |
52 Weeks Range 16.88 - 26.85 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 4.09% | Basic EPS (TTM) 2.16 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 27.97% | Operating Margin (TTM) 36.88% |
Management Effectiveness
Return on Assets (TTM) 0.85% | Return on Equity (TTM) 8.9% |
Valuation
Trailing PE 11.7 | Forward PE 8.62 | Enterprise Value 672286208 | Price to Sales(TTM) 3.28 |
Enterprise Value 672286208 | Price to Sales(TTM) 3.28 | ||
Enterprise Value to Revenue 4.14 | Enterprise Value to EBITDA - | Shares Outstanding 30126000 | Shares Floating 29256343 |
Shares Outstanding 30126000 | Shares Floating 29256343 | ||
Percent Insiders 1.95 | Percent Institutions 94.23 |
Upturn AI SWOT
Hanmi Financial Corporation
Company Overview
History and Background
Hanmi Financial Corporation was founded in 1982 as Korea Savings & Loan Association. It evolved into Hanmi Bank, focusing on serving the Korean-American community. It has grown through organic expansion and acquisitions.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending products and services, including commercial real estate loans, business loans, and lines of credit.
- Retail Banking: Offers deposit accounts, personal loans, and other retail banking services to individuals and small businesses.
- SBA Lending: Specializes in Small Business Administration (SBA) loans, supporting small businesses with government-backed financing.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other executive officers. The organizational structure includes various departments such as lending, operations, and compliance, with a board of directors overseeing the company.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Commercial real estate loans are a key offering, providing financing for properties used for business purposes. Market share data is not explicitly published but estimates place them as a mid-size player in the Korean-American banking segment. Competitors include other regional banks like BBCN Bancorp (merged with Wilshire Bank), East West Bancorp, and various national banks with a presence in California and other major metropolitan areas. Revenue is not publicly broken down by specific loan type.
- SBA Loans: SBA loans are another significant product, offering government-backed financing to small businesses. Hanmi has been recognized as a top SBA lender in its markets. Competitors in this space include other community banks specializing in SBA lending, as well as larger banks with SBA divisions. Revenue contribution is not publicly available.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes. Community banks face increasing pressure from larger institutions and fintech companies. Interest rate fluctuations and economic conditions significantly impact profitability.
Positioning
Hanmi Financial Corporation is positioned as a community bank focusing on serving the Korean-American community and other small businesses in its geographic markets. Its competitive advantage lies in its cultural understanding and personalized service.
Total Addressable Market (TAM)
The TAM for community banking and SBA lending in Hanmi's operating markets is estimated in the billions of dollars. Hanmi is positioned to capture a portion of this market through its niche focus and community relationships.
Upturn SWOT Analysis
Strengths
- Strong community ties
- Expertise in Korean-American market
- Experienced management team
- Established SBA lending program
- Good asset quality
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger banks
- Dependence on specific market segment
- Higher cost of funds than larger institutions
- Potential credit risk concentration
Opportunities
- Expansion into new geographic markets
- Growth in SBA lending
- Strategic acquisitions
- Development of new products and services
- Increased digital banking offerings
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn
- Regulatory changes
- Interest rate risk
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- EWBC
- CASH
- OZK
Competitive Landscape
Hanmi's advantage lies in its strong community ties and expertise in the Korean-American market. Disadvantages include its smaller scale and limited geographic diversification compared to larger competitors like EWBC.
Growth Trajectory and Initiatives
Historical Growth: Historical growth unavailable without specific financial statements and data. Requires analysis of past performance to identify trends.
Future Projections: Future projections unavailable without analyst estimates. Requires access to financial forecasts and market analysis.
Recent Initiatives: Recent initiatives are unkown without sources like press releases or financial reports, this could include expansion into new markets, digital banking advancements, or strategic partnerships.
Summary
Hanmi Financial Corporation is a community bank with strong ties to the Korean-American market. Its SBA lending program is a key strength. However, it faces competition from larger banks and fintech companies, and needs to expand its geographic reach and diversify its product offerings to sustain growth. The company needs to continue to focus on efficiency and adapt to changes in regulatory landscape.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Industry Reports
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is based on estimates and may not be precise. All investments involve risk, including the potential loss of principal.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Hanmi Financial Corporation
Exchange NASDAQ | Headquaters Los Angeles, CA, United States | ||
IPO Launch date 1996-10-04 | President, CEO & Director Ms. Bonita I. Lee | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 597 | Website https://www.hanmi.com |
Full time employees 597 | Website https://www.hanmi.com | ||
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. The company was founded in 1982 and is based in Los Angeles, California.
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