Expectations trend
FY2027 · fiscal year ending 2027-12-31 · fmp
Hanmi Financial Corporation (HAFC)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$32.53-3.47%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
3.37 → 3.43 EPS · FY ending Dec 31, 2027 · 3 analysts
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 5, 2026 to Nov 4, 2026: (new ÷ prior − 1). Contributor count changed from 3 to 3; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for HAFC yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
Three published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
Quarterly dividend of $0.28 per share maintained | Hanmi Financial pays steady dividends of $0.28 per share. | Intact | Dividend falls below $0.28 per share in 2026-Q2 | Dividend per share: $0.28 per share FY2026-Q2; GAAP. Published target: >= 0.28 USD per share. The target does not explicitly identify fiscal versus calendar quarters. Aug 7, 20260.28 USD/share · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2027 · fiscal year ending 2027-12-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Next earnings date unavailable
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
Observed price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
This is a regional-bank investment with a moderate risk profile, neutral recent performance, and volatile management execution. The long-term thesis is intact, while the recent earnings miss adds a near-term concern.
The valuation evidence describes HAFC as cheap versus peers, with expectations slightly below the model’s reference point. The priced-in signal is tagged justified, and fragility is low, so the evidence does not point to unusually fragile expectations.
Revenue rose from the first quarter of 2025 to the second quarter of 2026, and company momentum improved, but these measures provide limited proof of broad earnings or deposit progress. The latest earnings miss and a run of consecutive misses keep near-term execution risk in view; the stated chance of a miss is low, at 26%.
The multi-year view hinges on continued earnings growth and stronger evidence that deposits, including noninterest-bearing deposits, are growing. A guidance cut or rate cuts would be unfavorable under the supplied scenarios, while strong results and higher guidance from sector bellwethers would support sector momentum. The announced share buyback is positive, but the evidence does not establish a new repurchase milestone.
HAFC’s long-term thesis remains intact, with peer-relative valuation support offset by a recent earnings miss and limited proof on key management priorities. The next test is whether operating execution improves without a guidance cut. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| A primary condition in Hanmi Financial Corporation's published investment case. The stated target is >= 3.17 USD per share. |
| Broken |
| EPS falls below $3.17 in FY 2026 |
Diluted EPS: $0.79 per share FY2026-Q2; GAAP. Published target: >= 3.17 USD per share. Annual target cannot be compared with a quarterly or TTM observation. Aug 7, 20260.79 USD/share · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
P/E ratio near 12 or below | A supporting condition in Hanmi Financial Corporation's published investment case. The stated target is <= 12.0. | Intact | P/E rises above 15 without earnings growth | P/E (TTM): 11.09x As of 2026-11-04; trailing twelve months. The target timing and basis require a separate assessment. Nov 4, 202611.0855 ratio · calculatedLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$3.35 → $3.43 · observed estimates
$0.31B → $0.31B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-07-25 | $3.37 | $312,300,000 | 4 / 2 |
| 2026-07-26 | $3.37 | $312,300,000 | 4 / 2 |
| 2026-07-27 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-07-28 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-07-29 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-07-30 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-07-31 | $3.37 | $312,300,000 | 4 / 2 |
| 2026-08-01 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-08-02 | $3.37 | $312,300,000 | 4 / 2 |
| 2026-08-03 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-08-04 | $3.37 | $312,300,000 | 4 / 2 |
| 2026-08-05 | $3.37 | $312,300,000 | 4 / 2 |
| 2026-08-06 | $3.37 | $312,300,000 | 4 / 2 |
| 2026-08-07 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-08-08 | $3.37 | $312,300,000 | 4 / 2 |
| 2026-08-09 | $3.37 | $312,300,000 | 4 / 2 |
| 2026-08-10 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-08-12 | $3.37 | $312,300,000 | 4 / 2 |
| 2026-08-13 | $3.37 | $312,300,000 | 4 / 2 |
| 2026-08-14 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-08-15 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-08-16 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-08-17 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-08-18 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-08-19 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-08-20 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-08-21 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-08-22 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-08-23 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-08-24 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-08-25 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-08-26 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-08-27 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-08-28 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-08-29 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-08-30 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-08-31 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-09-01 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-09-02 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-09-03 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-09-04 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-09-05 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-09-06 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-09-07 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-09-08 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-09-09 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-09-10 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-09-11 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-09-12 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-09-13 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-09-14 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-09-15 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-09-16 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-09-17 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-09-18 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-09-19 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-09-20 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-09-21 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-09-22 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-09-23 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-09-24 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-09-25 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-09-26 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-09-27 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-09-28 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-09-29 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-09-30 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-10-01 | $3.35 | $311,400,000 | 3 / 2 |
| 2026-10-02 | $3.37 | $312,233,333 | 3 / 2 |
| 2026-10-03 | $3.37 | $312,233,333 | 3 / 2 |
| 2026-10-04 | $3.37 | $312,233,333 | 3 / 2 |
| 2026-10-05 | $3.37 | $312,233,333 | 3 / 2 |
| 2026-10-06 | $3.37 | $312,233,333 | 3 / 2 |
| 2026-10-07 | $3.37 | $312,233,333 | 3 / 2 |
| 2026-10-08 | $3.37 | $312,233,333 | 3 / 2 |
| 2026-10-09 | $3.36 | $312,233,333 | 3 / 2 |
| 2026-10-10 | $3.36 | $312,233,333 | 3 / 2 |
| 2026-10-11 | $3.36 | $312,233,333 | 3 / 2 |
| 2026-10-12 | $3.36 | $312,233,333 | 3 / 2 |
| 2026-10-13 | $3.36 | $312,233,333 | 3 / 2 |
| 2026-10-14 | $3.36 | $312,233,333 | 3 / 2 |
| 2026-10-15 | $3.36 | $312,233,333 | 3 / 2 |
| 2026-10-16 | $3.36 | $312,233,333 | 3 / 2 |
| 2026-10-17 | $3.36 | $312,233,333 | 3 / 2 |
| 2026-10-18 | $3.36 | $312,233,333 | 3 / 2 |
| 2026-10-19 | $3.36 | $312,233,333 | 3 / 2 |
| 2026-10-20 | $3.36 | $312,233,333 | 3 / 2 |
| 2026-10-21 | $3.36 | $312,233,333 | 3 / 2 |
| 2026-10-22 | $3.36 | $312,233,333 | 3 / 2 |
| 2026-10-23 | $3.36 | $312,233,333 | 3 / 2 |
| 2026-10-24 | $3.36 | $312,233,333 | 3 / 2 |
| 2026-10-25 | $3.36 | $312,233,333 | 3 / 2 |
| 2026-10-26 | $3.36 | $312,233,333 | 3 / 2 |
| 2026-10-27 | $3.36 | $312,233,333 | 3 / 2 |
| 2026-10-28 | $3.40 | $313,700,000 | 3 / 2 |
| 2026-10-29 | $3.43 | $314,109,200 | 3 / 3 |
| 2026-10-30 | $3.43 | $314,109,200 | 3 / 3 |
| 2026-10-31 | $3.43 | $314,109,200 | 3 / 2 |
| 2026-11-01 | $3.43 | $314,109,200 | 3 / 2 |
| 2026-11-02 | $3.43 | $314,109,200 | 3 / 2 |
| 2026-11-03 | $3.43 | $314,109,200 | 3 / 2 |
| 2026-11-04 | $3.43 | $314,109,200 | 3 / 2 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 1 Buy / Strong Buy · 3 Hold · 0 Sell / Strong Sell
Recent actions · Oct 6–Nov 4 · 1 recorded
Individual price-target observations are unavailable.
0 raises · 0 cuts · 0 unchanged · 0 without a comparable prior
Oct 6, 2026–Nov 4, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
3 of 3 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.