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Upturn AI Summary - About
Hanmi Financial Corporation(HAFC)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for HAFC
11/06/2026: HAFC (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Hanmi Financial Corporation is a regional bank holding company serving multi-ethnic communities, primarily in the Western United States. The company benefits from a stable, niche market position and experienced commercial lending operations, particularly in the SBA segment. Its primary growth opportunity lies in digital transformation and potential expansion into new high-growth markets. However, investors must monitor risks related to geographic concentration in California, sensitivity to interest rate fluctuations, and potential commercial real estate exposure. Hanmi may suit income-focused and value-oriented investors, though it remains subject to the competitive and economic pressures inherent in the regional banking sector.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company offers moderate growth potential linked to regional economic expansion rather than aggressive scaling. |
| Momentum investor | Mixed fit | Momentum investment is conditional on positive technical trends and favorable interest rate signals. |
| Value investor | Strong fit | The stock often trades at valuation multiples that may appeal to value investors looking for community bank exposure. |
| Dividend investor | Strong fit | Consistent dividend payments make the stock a potential candidate for income-focused portfolios. |
| Low-risk investor | Mixed fit | Regional banking stocks carry inherent market and credit risks, making them less suitable for purely risk-averse investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Banking stocks are often sensitive to macroeconomic sentiment and interest rate changes. |
| Valuation risk | Medium | Changes in sentiment toward regional banks can cause significant fluctuations in P/E multiples. |
| Competition risk (banking) | High | Competition from larger institutions and fintechs can squeeze margins. |
| Business quality | Medium | The bank has a stable niche, but relies heavily on regional economic conditions. |
| Dividend income | Medium | Dividends are dependent on earnings stability and regulatory capital requirements. |
| Execution risk | Medium | The ability to manage credit quality and loan growth is essential for performance. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 29.34% | Avg. Invested days 46 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/06/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 963.61M USD | Price to earnings Ratio 10.82 | 1Y Target Price 35.75 |
Price to earnings Ratio 10.82 | 1Y Target Price 35.75 | ||
Volume (30-day avg) 216.9K shares | Beta 0.71 | 52 Weeks Range 23.86 - 34.46 | Updated Date 11/08/2026 |
52 Weeks Range 23.86 - 34.46 | Updated Date 11/08/2026 | ||
Dividends yield (FY) 3.41% | Basic EPS (TTM) 3.02 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and retail loans minus interest paid on deposits. | The bank primarily makes money on the spread between what it earns on loans and what it pays to depositors. |
| Non-Interest Income | Service fees, deposit fees, and other banking transaction-related charges. | Fees provide a secondary, more stable income stream that is not directly tied to interest rates. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-27 | When After Market | Estimate 0.81 | Actual 0.8 |
Profitability
Profit Margin 32.36% | Operating Margin (TTM) 44.71% |
Management Effectiveness
Return on Assets (TTM) 1.14% | Return on Equity (TTM) 11.46% |
Valuation
Trailing PE 10.82 | Forward PE 8.62 | Enterprise Value 684.02M | Price to Sales(TTM) 3.43 |
Enterprise Value 684.02M | Price to Sales(TTM) 3.43 | ||
Enterprise Value to Revenue 3.57 | Enterprise Value to EBITDA - | Shares Outstanding 29.49M | Shares Floating 28.60M |
Shares Outstanding 29.49M | Shares Floating 28.60M | ||
Percent Insiders 2.2 | Percent Institutions 96.1 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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