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Upturn AI SWOT - About
HAFC 
Hanmi Financial Corporation (HAFC)
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Upturn Advisory Summary
10/17/2025: HAFC (1-star) is currently NOT-A-BUY. Pass it for now.
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 $28
1 Year Target Price $28
| 1 | Strong Buy |
| 1 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 21.03% | Avg. Invested days 36 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 702.24M USD | Price to earnings Ratio 10.79 | 1Y Target Price 28 |
Price to earnings Ratio 10.79 | 1Y Target Price 28 | ||
Volume (30-day avg) 4 | Beta 0.69 | 52 Weeks Range 18.37 - 26.85 | Updated Date 10/18/2025 |
52 Weeks Range 18.37 - 26.85 | Updated Date 10/18/2025 | ||
Dividends yield (FY) 4.53% | 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 10.79 | Forward PE 8.62 | Enterprise Value 613448576 | Price to Sales(TTM) 3 |
Enterprise Value 613448576 | Price to Sales(TTM) 3 | ||
Enterprise Value to Revenue 4.05 | Enterprise Value to EBITDA - | Shares Outstanding 30126029 | Shares Floating 29256343 |
Shares Outstanding 30126029 | Shares Floating 29256343 | ||
Percent Insiders 1.95 | Percent Institutions 95.32 |
Upturn AI SWOT
Hanmi Financial Corporation
Company Overview
History and Background
Hanmi Financial Corporation was founded in 1982 as Korea Savings and Loan Association. It aimed to serve the Korean-American community in Southern California. Over time, it expanded its services and geographic reach, becoming a leading community bank.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending products, including commercial real estate loans, small business loans, and equipment financing.
- 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 to support small business growth.
Leadership and Structure
The leadership team includes the CEO, CFO, COO, and other key executives. The organizational structure consists of various departments, including lending, retail banking, finance, and operations, reporting to executive management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties, catering to developers and investors. Competitors include other regional banks and national lenders. Market share information for this specific product is not publicly available in isolation from overall commercial lending market share.
- SBA Loans: Government-guaranteed loans for small businesses. Competitors include other SBA lenders, both large and small banks. Market share information for this specific product is not publicly available, however Hanmi is one of the biggest SBA lenders amongst Korean-American Banks.
Market Dynamics
Industry Overview
The banking industry is currently facing interest rate volatility, increased competition, and evolving regulatory requirements. Community banks like Hanmi are focused on serving local markets and building strong customer relationships.
Positioning
Hanmi Financial Corporation positions itself as a premier Korean-American bank, focusing on serving the Korean-American community and other ethnic minority groups. Its competitive advantages include its strong customer relationships and deep understanding of the local market.
Total Addressable Market (TAM)
The TAM for community banking in Southern California is estimated to be in the billions of dollars. Hanmi is positioned to capture a significant portion of this TAM through its strong brand recognition and targeted marketing efforts.
Upturn SWOT Analysis
Strengths
- Strong brand recognition within the Korean-American community
- Deep understanding of local market needs
- Experienced management team
- Solid asset quality
Weaknesses
- Concentration in specific geographic markets
- Reliance on commercial real estate lending
- Limited diversification in revenue streams
- Potential for increased competition
Opportunities
- Expansion into new geographic markets
- Development of new products and services
- Increased focus on digital banking
- Potential acquisitions of other community banks
Threats
- Rising interest rates
- Economic downturn
- Increased regulatory scrutiny
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- BBCN (Now merged with Hope Bancorp),
- Hope Bancorp (HOPE)
- Preferred Bank (PFBC)
Competitive Landscape
Hanmi Financial Corporation faces competition from other Korean-American banks and larger regional banks. Its advantages include its strong brand recognition and deep understanding of the Korean-American community. Its disadvantages include its concentration in specific geographic markets.
Major Acquisitions
United Central Bank
- Year: 2014
- Acquisition Price (USD millions): 76.1
- Strategic Rationale: Expanded Hanmi's presence in the Midwest and strengthened its national platform.
Growth Trajectory and Initiatives
Historical Growth: Hanmi Financial Corporation's growth has been driven by organic growth and strategic acquisitions. The company has expanded its branch network and increased its loan portfolio over the past decade.
Future Projections: Analysts project continued growth for Hanmi Financial Corporation, driven by its strong market position and focus on serving the Korean-American community. Specific growth rates would be provided as numerical percentages.
Recent Initiatives: Recent strategic initiatives include investments in digital banking technology and expansion into new markets.
Summary
Hanmi Financial Corporation shows solid financials serving a niche market within the US. Their strengths lie in community banking and understanding of the ethnic demographic of Koreans living within the US. Challenges include diversifying revenue to maintain stable margins as well as managing regional economical factors. Digital investment to attract new clients would be a competitive advantage.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Company Investor Relations
- Industry Reports
- Market Research Reports
- Third-party Financial Data Providers
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be made based on individual circumstances and consultation with a qualified financial advisor.
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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