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
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 holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -10.1% |
| Our one-year growth estimate | diamond | 8.4% |
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.
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 2026-11-04.
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.
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.
Growth built into the price is above our model estimate.
The price assumes 18.5 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
HAFC — earnings miss
Dated 2026-10-27
Results of Operations and Financial Condition. On October 27, 2026, Hanmi Financial Corporation (“Hanmi Financial”) issued a press release announcing its financial results for the quarter ended September 30, 2026. A copy of the press release is attached as Exhibit 99.1 to this Form 8-K. In connection therewith, Hanmi Financial provided a supplemental presentation on its website at https://investors.hanmi.com . A copy of the supplemental presentation is attached hereto as Exhibit 99.2. This in…
Why it matters: Q3 margin rose to 3.44%, but about four basis points came from one-time items. A strong Q4 margin would show the gain lasted.
Supportive ifQ4 net interest margin is at least 3.40%, with fewer one-time gains than Q3.
Worry ifQ4 net interest margin falls below 3.36%, the Q2 level.
Why it matters: The board declared the same dividend as in recent quarters. Payment on time would confirm continued cash returns at this level.
Supportive ifHanmi pays $0.28 per share on November 25 to holders of record on November 9.
Worry ifHanmi delays, cuts, or cancels the declared $0.28 per share dividend.
Why it matters: Core deposits grew in Q3, and they help fund the bank's loans. A drop in total or core deposits would reverse that progress.
Watch forQ4 total deposits rise above $7.06 billion and core deposits grow from Q3.
Also watch forQ4 total deposits fall below $7.06 billion or core deposits decline from Q3.
Why it matters: A $3.2 million charge-off on one loan lifted Q3 credit loss expense. Another large loss could weaken earnings and test asset quality.
Worry ifQ4 results show another single-loan charge-off of at least $3.0 million. Or, nonperforming loans are higher than Q3's 0.14%.
Less concerning ifQ4 reports no charge-off of at least $3.0 million and nonperforming loans stay at or below 0.14%.
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.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$79 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $206 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.
Why it matters: Loan production was strong, but payoffs offset much of it. Faster loan growth would show that new lending is adding to balances.
Supportive ifQ4 ending loan balances grow more than 0.5% from Q3's $6.57 billion.
Worry ifQ4 loan balances fall from Q3 as payoffs again erase most new loan production.