Hanmi Financial (HF7N) Stock Price & Analysis
HF7N Stock Chart & Stats
- Day’s Range
- EUR 29.20 - EUR 30.00
- 52-Week Range
- EUR 20.40 - EUR 30.00
- Previous Close
- EUR 29.00
- Volume
- N/A
- Average Volume (3M)
- 1
- Market Cap
- EUR 864.13M
- Enterprise Value
- EUR 641.28M
- Total Cash (Recent Filing)
- EUR 1.23B
- Total Debt (Recent Filing)
- EUR 130.77M
- Price to Earnings (P/E)
- 10.6
- Beta
- 0.50
- Next Earnings
- Jan 26, 2027 (Est.)
- EPS Estimate
- 0.76
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 3.23%
Bulls Say, Bears Say
Bulls Say
Conservative Balance Sheet
Low leverage and healthy returns provide Hanmi with financial flexibility to absorb credit or rate volatility while continuing to support lending and capital returns. This conservative balance-sheet profile should remain a durable strength over the next several quarters.
Improving Banking Profitability
Higher pre-provision revenue, expanding net interest margin, and better operating efficiency indicate improving underlying earnings power. These gains can support recurring profitability if management maintains expense discipline and preserves loan and deposit relationships.
Stable Funding And Asset Quality
Deposit growth and a stable core funding base strengthen liquidity and provide capacity for future lending, while very low nonperforming loans indicate currently sound credit performance. Together, these characteristics support more resilient banking earnings.
Bears Say
Revenue And Margin Pressure
The weaker revenue trajectory and lower operating margins show that Hanmi’s earnings mix and rate environment remain less favorable than in prior peak periods. Without renewed revenue growth, profitability may have less room to expand despite solid current margins.
Higher Credit Loss Exposure
The larger provision and CRE charge-off demonstrate that credit costs can rise materially even while portfolio-level problem-loan ratios remain low. Additional stress in commercial real estate could reduce earnings and require more capital to absorb losses.
Limited Loan Growth And Funding-cost Risk
Elevated payoffs are limiting balance growth despite strong production, while rising deposit costs could compress the spread earned on loans and securities. This combination may constrain net interest income growth and reduce operating leverage over coming quarters.
Hanmi Financial News
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Hanmi Financial Stock Smart Score
Company Description
Hanmi Financial
Hanmi Financial Corporation serves as the parent company for Hanmi Bank, which delivers a wide spectrum of commercial banking solutions across the United States. The bank's diverse deposit offerings include checking accounts (both interest-bearing and non-interest-bearing), savings accounts, negotiable order of withdrawal (NOW) accounts, money market accounts, and certificates of deposit. Regarding lending, Hanmi provides various types of credit: Real Estate Loans: Covering commercial properties, construction projects, and residential homes. Commercial and Industrial Loans: Such as commercial term loans and lines of credit. International Finance and Trade Services: Including letters of credit and import/export financing. Consumer Loans: Encompassing general consumer loans, secured and unsecured options, home equity loans, residential mortgages, and credit cards. A significant focus is placed on assisting small and mid-sized businesses with Small Business Administration (SBA) and trade finance lending. These SBA programs support a range of business activities, including the acquisition of owner-occupied commercial real estate, funding for business acquisitions and startups, franchise financing, working capital, property improvements and renovations, inventory and equipment purchases, and debt refinancing. Additionally, equipment lease financing is available. As of February 28, 2022, Hanmi Financial operated a network comprising 35 full-service branches and 8 loan production offices situated across California, Texas, Illinois, Virginia, New Jersey, New York, Colorado, Washington, and Georgia. The institution was established in 1982 and maintains its headquarters in Los Angeles, California.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Bonita I. Lee
- Employees
- 608
- Website
- www.hanmi.com
- Address
- 900 Wilshire Boulevard, Los Angeles, CA, 90017, US
Hanmi Financial (HF7N) Earnings & Revenues
HF7N Company Deck
HF7N Earnings Call
Earnings Call SentimentPositive
The call was predominantly positive. Hanmi reported higher net income, strong pre-provision net revenue and margin growth, substantial loan production, deposit growth, stable funding, low reported problem-loan ratios, strong capital, and continued shareholder returns. These strengths outweighed the higher credit loss expense, elevated payoffs that constrained loan growth, interest-rate-related securities losses, and potential deposit-cost pressure.
View all DE:HF7N earnings summariesHF7N Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 16 | 2 | 4 |
| Technical Analysis | 4 | 2 | 4 |
| Moving Averages | 12 | 0 | 0 |
