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HAFCHanmi Financial CorporationHold5.7·$32.49-2.08%
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Hanmi Financial Corporation (HAFC) Stock Analysis

Breakout setup · Inst Constrain edge

HoldModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $32.49, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (3.0% away).

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... Read more

$32.49+1.0% A.UpsideScore 5.7/10#140 of 225 Banks - Regional
QualityF-score8 / 9FCF yield
IncomeYield3.45%(5y avg 4.28%)Payout40.67%sustainable
Stop $31.03Target $32.83(resistance)A.R:R -1.4:1
Analyst target$33.38+2.7%4 analysts
$32.83our TP
$32.49price
$33.38mean
$32
$37

Hold if already holding. Not a fresh buy at $32.49, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (3.0% away). Chart setup: Golden cross, above all MAs, RSI 61, MACD bullish. Maintain position. Not compelling to add more. Score 5.7/10, moderate confidence.

Passes 7/9 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 17d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.

TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Tue, Jul 21, 202617d to earnings· next earnings call

Thesis

Rewards
Attractive valuation
Strong growth profile
Risks
Analyst target reached - limited upside remaining
Near 52-week high (3.0% away)
Earnings estimates trending DOWN

Key Metrics

P/E (TTM)12.1
P/E (Fwd)9.5
Mkt Cap$967M
EV/EBITDA
Profit Mgn30.6%
ROE10.4%
Rev Growth14.6%
Beta0.71
Dividend3.45%
Rating analysts10

Quality Signals

Piotroski F8/9

Options Flow

P/C1.00neutral
IV84%elevated

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.

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Methodology · Editorial policy & full disclaimer

Rating Breakdown

10 dimensions · all in-band

GatesA.R:R -1.4=NEGATIVEMomentum 4.8<5.5 (soft — BUY_NOW allowed but watch)Momentum 4.8>=4.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 17d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARBreakoutSuitability: Aggressive
RSI
61 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $29.50Resistance $33.50

Price Targets

$31
$33
A.Upside+1.0%
A.R:R-1.4:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! Target reached (-12.7% upside)
! Negative risk/reward — downside exceeds upside

Earnings

B
B
M
M
2/4 beats
Next Earnings2026-07-21 (17d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is HAFC stock a buy right now?

Hold if already holding. Not a fresh buy at $32.49, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (3.0% away). Chart setup: Golden cross, above all MAs, RSI 61, MACD bullish. Maintain position. Not compelling to add more. Target $32.83 (+1.0%), stop $31.03 (−4.7%), A.R:R -1.4:1. Score 5.7/10, moderate confidence.

What is the HAFC stock price target?

Take-profit target: $32.83 (+1.0% upside). Target $32.83 (+1.0%), stop $31.03 (−4.7%), A.R:R -1.4:1. Stop-loss: $31.03.

What are the risks of investing in HAFC?

Analyst target reached - limited upside remaining; Near 52-week high (3.0% away); Earnings estimates trending DOWN.

Is HAFC overvalued or undervalued?

Hanmi Financial Corporation trades at a P/E of 12.1 (forward 9.5). TrendMatrix value score: 7.8/10. Verdict: Hold.

What do analysts say about HAFC?

10 analysts cover HAFC with a consensus score of 3.8/5. Average price target: $33.

What does Hanmi Financial Corporation do?Hanmi Financial Corporation operates as the holding company for Hanmi Bank that provides business banking products and...

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. Hanmi Financial Corporation was founded in 1982 and is based in Los Angeles, California.

Related stocks: NBN (Northeast Bank) · BWFG (Bankwell Financial Group, Inc.) · NPB (Northpointe Bancshares, Inc.) · CUBI (Customers Bancorp, Inc) · COFS (ChoiceOne Financial Services, I)
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