Hanmi Financial Corp
HAFC Nasdaq· National Commercial Banks
Last close · Oct 23, 2026
$32.15
KIRA · Stoqly’s AI analyst, in plain words
- Hanmi Financial Corp had $270M of revenue in fiscal 2025, up 15.3% on the year before. Over five years, revenue changed +3.8% a year on average.
- Hanmi Financial Corp made $76.1M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 4.1% a year.
- Hanmi Financial Corp returned $42.0M to shareholders in fiscal 2025, 21% of free cash flow. The diluted share count fell 0.2%.
- It earned 10.0% on shareholders’ money. Running costs took 54.7% of revenue (the efficiency ratio; lower is better).
Market cap
$955M
P/E
10.8x
Revenue
$270M
Net income
$76.1M
Return on equity
10.0%
Efficiency ratio
54.7%
Hanmi Financial Corp in 30 seconds · fiscal 2025
Are sales growing?
+15.3%
Yes. Sales grew 15.3% last year.
Does it make a profit?
28.2%
Yes. It keeps 28.2% of every sale as profit.
How lean are its costs?
54.7%
Lean. Running costs take 54.7% of revenue.
How much does it earn on its capital?
10.0%
Fair. It earns 10.0% a year on shareholders’ money.
How is the share priced?
10.8x
One share costs 10.8 times its yearly profit per share.
What Hanmi Financial Corp does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 27, 2026
- Legal name
- HANMI FINANCIAL CORP
- CIK
- 0001109242
Hanmi Financial Corp · HAFC
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $236M | $272M | $255M | $234M | $270M |
| Revenue growth | 5.2% | 15.4% | −6.0% | −8.3% | 15.3% |
| Net interest income | $195M | $238M | $221M | $203M | $236M |
| Operating margin | — | 37.3% | 31.3% | 26.5% | 28.2% |
| Net income | $98.7M | $101M | $80.0M | $62.2M | $76.1M |
| Net margin | 41.9% | 37.3% | 31.3% | 26.5% | 28.2% |
| Diluted EPS | $3.22 | $3.32 | $2.62 | $2.05 | $2.51 |
| Cash | |||||
| Cash from operations | $93.7M | $147M | $109M | $52.6M | $206M |
| Capital expenditure | $2.7M | $1.9M | $2.4M | $2.6M | $2.3M |
| Free cash flow | $91.0M | $145M | $107M | $49.9M | $204M |
| FCF margin | 38.6% | 53.5% | 41.8% | 21.3% | 75.4% |
| Dividends paid | $16.5M | $28.6M | $30.5M | $30.4M | $32.6M |
| Share buybacks | $6.1M | — | $4.1M | $6.3M | $9.4M |
| Share count change | 0.6% | −0.3% | −0.2% | −0.8% | −0.2% |
| Debt and strength | |||||
| Cash and short-term investments | $609M | $352M | $302M | $305M | $213M |
| Deposits | $5.8B | $6.2B | $6.3B | $6.4B | $6.7B |
| Shareholders' equity | $643M | $638M | $702M | $732M | $796M |
| Interest coverage | — | 2.8x | 0.5x | — | — |
| Returns and quality | |||||
| Return on equity | 16.2% | 15.8% | 12.0% | 8.7% | 10.0% |
| Return on tangible equity | 15.5% | 16.1% | 11.5% | 8.6% | 9.6% |
| Efficiency ratio | 52.8% | 47.9% | 53.4% | 60.3% | 54.7% |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$0.3M
3 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Hanmi Financial Corp · HAFC
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $32.15 a share, the company is worth $955M: 10.8 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001109242). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.