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Upturn AI SWOT - About
HAFC 
Hanmi Financial Corporation (HAFC)
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Upturn Advisory Summary
07/09/2025: HAFC (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
4 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $27.38
1 Year Target Price $27.38
| 1 | Strong Buy |
| 1 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 47.57% | Avg. Invested days 35 | 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 07/09/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 787.93M USD | Price to earnings Ratio 12.24 | 1Y Target Price 27.38 |
Price to earnings Ratio 12.24 | 1Y Target Price 27.38 | ||
Volume (30-day avg) 4 | Beta 0.7 | 52 Weeks Range 16.01 - 26.97 | Updated Date 07/9/2025 |
52 Weeks Range 16.01 - 26.97 | Updated Date 07/9/2025 | ||
Dividends yield (FY) 4.38% | Basic EPS (TTM) 2.13 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 27.91% | Operating Margin (TTM) 41.79% |
Management Effectiveness
Return on Assets (TTM) 0.85% | Return on Equity (TTM) 8.9% |
Valuation
Trailing PE 12.24 | Forward PE 8.62 | Enterprise Value 699172224 | Price to Sales(TTM) 3.4 |
Enterprise Value 699172224 | Price to Sales(TTM) 3.4 | ||
Enterprise Value to Revenue 4.36 | Enterprise Value to EBITDA - | Shares Outstanding 30212100 | Shares Floating 29330766 |
Shares Outstanding 30212100 | Shares Floating 29330766 | ||
Percent Insiders 1.95 | Percent Institutions 93.65 |
Upturn AI SWOT
Hanmi Financial Corporation
Company Overview
History and Background
Hanmi Financial Corporation was founded in 1982 to serve the Korean-American community in Southern California. It has grown to become a multi-ethnic bank with a focus on small and medium-sized businesses. Significant milestones include expansion beyond California and diversification of its product offerings.
Core Business Areas
- Commercial Banking: Provides a range of commercial banking products and services, including commercial loans, real estate loans, and business checking accounts.
- Retail Banking: Offers retail banking services, such as personal checking and savings accounts, as well as residential mortgage loans.
- SBA Lending: Specializes in Small Business Administration (SBA) lending to support small business growth.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other executive officers. The organizational structure is typical of a regional bank, with divisions for commercial lending, retail banking, and operations.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Commercial Real Estate Loans cater to income-producing properties, owner-occupied properties and new construction. Competitors include regional banks like Bank of Hope (HOPE), PacWest Bancorp (PACW) , and national banks like Wells Fargo (WFC), Bank of America (BAC) - Market share data is not readily available.
- SBA Loans: SBA Loans provide financing to small businesses. The top SBA lenders are primarily regional and community banks. No granular market share data readily available. Competitors include Live Oak Bancshares (LOB), Western Alliance Bancorp (WAL)
- Commercial and Industrial Loans: Commercial and Industrial Loans provide financing to businesses, primarily to fund operations or capital investments. Competitors include regional banks like Bank of Hope (HOPE), PacWest Bancorp (PACW) , and national banks like Wells Fargo (WFC), Bank of America (BAC) - Market share data is not readily available.
Market Dynamics
Industry Overview
The banking industry is highly competitive, with increasing regulatory scrutiny and evolving customer expectations. Fintech companies are also posing a challenge to traditional banks.
Positioning
Hanmi Financial Corporation positions itself as a community-focused bank with a strong understanding of the Korean-American market. Its competitive advantage lies in its cultural affinity and personalized service.
Total Addressable Market (TAM)
The TAM for community banks serving diverse ethnic markets is significant. Hanmi is positioned to capture a portion of this TAM by focusing on its niche and expanding its services.
Upturn SWOT Analysis
Strengths
- Strong presence in the Korean-American market
- Experienced management team
- Solid asset quality
- Strong SBA Lending Business
Weaknesses
- Geographic concentration
- Limited product diversification
- Dependence on interest rate environment
- Smaller size compared to national banks
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Growing demand for SBA loans
- Strategic acquisitions
Threats
- Increased competition from larger banks
- Economic downturn
- Regulatory changes
- Rising interest rates
Competitors and Market Share
Key Competitors
- HOPE
- PACW
- WAL
- CASH
Competitive Landscape
Hanmi has a strong position in the Korean-American community but faces intense competition from larger regional and national banks. Its smaller size and limited product diversification are disadvantages. Its focus on personalized service is an advantage.
Major Acquisitions
United Central Bank
- Year: 2014
- Acquisition Price (USD millions): 62
- Strategic Rationale: Expanded Hanmi's geographic footprint and customer base.
Growth Trajectory and Initiatives
Historical Growth: Requires live data feed, will populate with mock data for the structural response.
Future Projections: Requires live data feed, will populate with mock data for the structural response.
Recent Initiatives: Requires live data feed, will populate with mock data for the structural response.
Summary
Hanmi Financial Corporation is a regional bank with a strong presence in the Korean-American market. While it benefits from its cultural affinity and experienced management, it faces competition from larger banks and needs to diversify its product offerings. Strategic acquisitions and expansion into new markets could drive future growth, but economic downturns pose a threat.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
- Yahoo Finance
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market share data is approximate and may vary by source.
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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