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
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is still in the top half of its industry but slipped notably this past month — worth watching.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -13.2% |
| Our one-year growth estimate | diamond | 6.6% |
Growth built into the price is above our model estimate.
The price assumes 19.8 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Model as of 2026-09-04 · Compared with 219 industry peers
HAFC — private placement
Dated 2026-07-30
Entry into a Material Definitive Agreement On July 30, 2026, Hanmi Financial Corporation (the “Company”), the holding company for Hanmi Bank, a California state-chartered bank (the “Bank”), entered into Subordinated Note Purchase Agreements (collectively, the “Agreements”) with certain qualified institutional buyers and institutional accredited investors (the “Purchasers”) and, pursuant to the Agreements, issued to the Purchasers $55.0 million in aggregate principal amount of the Company’s 6.…
Why it matters: A decline in net interest margin may signal pressure on profitability. This could affect earnings growth.
Worry ifNet interest margin falls below 3.30% in the next quarter.
Less concerning ifNet interest margin stays the same or goes above 3.36%.
Why it matters: If deposit growth slows, it may show weak customer confidence or more competition.
Worry ifQuarterly deposit growth was under 1.8%. This shows there may be problems attracting deposits.
Less concerning ifDeposit growth was above 1.8%. This shows continued strength in customer deposits.
Why it matters: Loan production growth shows the bank can make money. It helps overall financial health.
Supportive ifLoan production increases sequentially from Q2 to Q3 2026.
Worry ifLoan production decreases or remains flat in Q3 2026.
Why it matters: A share buyback shows confidence in the company. It can help the share price.
Supportive ifExpect news about the share buyback in the next quarter.
Worry ifNo announcement of share buyback execution in the next quarter.
Why it matters: A board member leaving may change how the company is run and its plans.
Worry ifNo drop in stock performance or governance issues happen after the change.
Less concerning ifStock performance falls or governance issues come up after the change.
Why it matters: Updates on the buyback show management's focus on how to use capital.
Supportive ifMore share repurchases are announced beyond the $4.8 million already done.
Worry ifNo further buyback announcements or a halt in the program.
Why it matters: Hanmi's deposits are growing fast. This helps their banking model and keeps finances stable.
Supportive ifDeposits grow by more than 2.3% sequentially in Q3 2026.
Worry ifDeposits decline or grow less than 2.3% sequentially in Q3 2026.
Why it matters: The dividend payment shows Hanmi cares about its shareholders. It also shows the company's good financial health.
Supportive ifThe company pays the declared dividend of $0.28 per share on August 19, 2026.
Worry ifThe company delays or cancels the dividend payment.
Why it matters: A rise in nonperforming assets may mean credit quality problems.
Worry ifNonperforming assets are now over 0.16% of total assets.
Less concerning ifNonperforming assets are now under 0.16% of total assets.
Why it matters: Earnings results will show if Hanmi continues its growth trend and strong financial performance.
Watch forNet income for Q3 exceeds $23.5 million, maintaining growth.
Also watch forNet income for Q3 is below $20 million. This may show some problems.
Why it matters: Lower credit loss costs show good credit quality and risk management.
Supportive ifCredit loss expense for Q3 is below $1.2 million.
Worry ifCredit loss expense exceeds $2 million in Q3.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$84 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $209 loss on $10,000 · 2.1% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,623 loss on $10,000 · 16.2% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.