profit from every $100 of sales.
$0$100
Hanmi Financial
$32.65+0.34% today
+21.4% in 1 year
1-year low $24.771-year high $33.70
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $12.65 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Hanmi Financial sold, what it kept, and what it did with the cash.
Sales went from $272 million in 2022 to $270 million in 2025, with $76.1 million of profit last year.
SalesProfit
Hanmi Financial handed back 21% of the cash it generated last year.
$33M
Free cash flow 2025$204M
Bought back its own shares$9M
Paid as dividends$33M
Cash vs. debt$213M vs. $280M
Hanmi Financial vs. similar companies
Hanmi Financial grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Hanmi Financial | 12.7× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Hanmi Financial's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 272 | 250 | 233 | 270 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 101 | 80 | 62 | 76 | |
| 3.32 | 2.62 | 2.05 | 2.51 | |
| – | – | – | – | |
| – | – | – | – | |
| 37.3% | 32.1% | 26.6% | 28.2% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 7,378 | 7,570 | 7,678 | 7,869 |
| Cash | 352 | 302 | 305 | 213 |
| Total debt | 479 | 455 | 393 | 280 |
| Total liabilities | 6,741 | 6,868 | 6,946 | 7,073 |
| 638 | 702 | 732 | 796 | |
| 30 | 30 | 30 | 30 | |
| – | – | – | – | |
| 15.9% | 11.4% | 8.5% | 9.6% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 147 | 109 | 53 | 206 | |
| 2 | 2 | 3 | 2 | |
| 145 | 107 | 50 | 204 | |
| Dividends paid | 29 | 31 | 30 | 33 |
| 0 | 4 | 6 | 9 | |
| 3 | 3 | 4 | 4 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 12.7×
- 10.3×
- –
- 1.1×
- 3.6×
- 7.9%
- 3.7%
Profitability
- 28.2%
- 6.8%
- 7.7%
- 10.3%
- 1.0%
Growth
- −0.2%
- −8.9%
- +15.7%
- −0.4%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 39%of 848
Top 46%of 728
Top 44%of 880
Bottom 22%of 878
Top 10%of 932
What analysts expect
- Average price target
- $35.00
- Range
- $35.00 – $35.00
- 1 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 21, 2026 | 0.75 | 0.71 | +5.6% |
| Jan 27, 2026 | 0.70 | 0.71 | −1.4% |
| Oct 21, 2025 | 0.73 | 0.66 | +10.6% |
| Jul 22, 2025 | 0.50 | 0.62 | −19.4% |
| Apr 22, 2025 | 0.58 | 0.57 | +1.8% |
| Jan 28, 2025 | 0.58 | 0.53 | +9.4% |
| Oct 22, 2024 | 0.49 | 0.48 | +2.1% |
| Jul 23, 2024 | 0.48 | 0.47 | +2.1% |
3.7%of the share price, paid each year
On $1,000 invested$37a year at today's yield, before tax
+15.7%2020 to 2025
Raised1 yearin a row, in our data
Paid per share, each year
$0.47 in 2015 → $1.08 in 2025
How safe it looks
42.9% of its profit
Room to growStretchedMore than it earns: 16.0%
News
Hanmi signals 2027 low- to mid-single-digit loan growth as payoffs easeSeeking Alpha · Oct 27, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
3/7Passes 3 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
68Pass
Benjamin Graham
88Pass
Philip Fisher
57No pass
Peter Lynch
30No pass
Joel Greenblatt
20No pass
Charlie Munger
62Pass
Terry Smith
57No pass
Questions about Hanmi Financial
Is Hanmi Financial a good stock to buy?
A strong, very profitable business, and the price looks low. 3 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Hanmi Financial AI analysis
What does Hanmi Financial do?
Hanmi Financial Corporation operates as the holding company for Hanmi Bank that provides business banking products and services in the United States. It is in Banks - Regional.
Does Hanmi Financial pay a dividend?
Yes. At today's price the dividend is 3.7% a year, about 43% of its yearly profit. In 2025 it paid out $32.6 million in dividends.
Is Hanmi Financial stock halal?
No. Hanmi Financial does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Hanmi Financial stock done over the past year?
Up 21.4% over the past twelve months, to $32.65. It traded between $24.77 and $33.70 and is 3.1% below its high.
Who are Hanmi Financial's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Hanmi Financial's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.