Hanmi Financial Corporation (HAFC)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$32.06+0.69%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · HAFC
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Met or beat guidance 100% of the last 1 guided quarters · 0.0% avg surprise
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Maintain steady earnings growth through loan and deposit growth, net interest margin expansion, and controlled expenses.
Stated as a priority in 4 of last 4 quarters. Net income grew from $15.1 million in 2025-Q2 to $23.5 million in 2026-Q2, revenue increased from $65.2 million to $72.2 million, and diluted EPS rose from $0.50 to $0.79. Management has consistently expressed confidence in delivering continued earnings growth and strong financial performance, and the financial results show delivering trajectory.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 55% of the time over the next year (vs 62% for the rest of the cohort, n=10246).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“We remain optimistic about our outlook and are confident in our ability to deliver continued earnings growth and strong financial performance through the second half of 2026.”
“We expect these positive trends in key areas to continue, and we remain confident in our ability to deliver strong financial performance for our shareholders in 2026.”
“We anticipate solid loan and deposit growth, further net interest margin expansion, well managed expenses and stable asset quality to drive consistent performance and long-term value for our sharehol…”
“We remain focused on executing our strategies, deepening client relationships, and optimizing our balance sheet to deliver durable, long-term value for our shareholders.”
Maintain quarterly cash dividends at $0.28 per share and execute share repurchase programs as declared by the Board.
Stated as a priority in 3 of last 3 quarters. The Board declared consistent quarterly cash dividends of $0.28 per share in 2026 Q1, Q2, and Q3. Share repurchase programs were also announced in April and July 2026. Dividend payments have been maintained steadily, indicating delivering on capital return commitments.
“Board of Directors declared a cash dividend on its common stock for the 2026 third quarter of $0.28 per share.”
“Board of Directors declared a cash dividend on its common stock for the 2026 second quarter of $0.28 per share.”
“Board of Directors declared a cash dividend on its common stock for the 2026 first quarter of $0.28 per share.”
Grow deposits with emphasis on stable noninterest-bearing demand deposits representing about 30% of total deposits.
Stated as a priority in 3 of last 3 quarters. Deposits increased from $6.52 billion in 2025-Q2 to $7.22 billion in 2026-Q2. Noninterest-bearing demand deposits consistently represent about 30% of total deposits, demonstrating management's focus on stable deposit growth. The trajectory is delivering.
“Noninterest-bearing demand deposits demonstrated the stability of the customer base, representing 30.2% of total deposits.”
“Average noninterest-bearing deposits of $1.94 billion represent 30% of average deposits.”
“Noninterest-bearing demand deposits were 30.8% of total deposits at the end of the third quarter.”
Ensure capital ratios remain well above regulatory minimums and conduct annual capital stress tests.
Stated as a priority in 3 of last 3 quarters. Tangible common equity to tangible assets ratio improved from 9.80% in 2025-Q3 to 10.03% in 2026-Q2, well above regulatory minimums. Management conducts annual capital stress tests and maintains prudent capital management, indicating delivering trajectory.
“Tangible common equity to tangible assets was 10.03%, common equity tier 1 capital ratio was 12.28%, and total capital ratio was 15.29%.”
“Tangible common equity to tangible assets ratio was 9.99%, common equity tier 1 capital ratio was 12.05%, and total capital ratio was 15.06%.”
“Tangible common equity to tangible assets ratio was 9.80%, common equity tier 1 capital ratio was 12.05%, and total capital ratio was 15.06%.”
Focus on growing net income through strategic initiatives and operational efficiencies.
Over the trailing year it converted 1.21x of net income into operating cash flow. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 57% for the rest of the cohort, n=9112).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, Fed net liquidity, long-term interest rates (low R² over the window).
15 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated volatile grew net income 59% of the time over the next year (vs 56% for the rest of the cohort, n=2797).
Not investment advice. As of 2026-09-04.