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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.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Hanmi Financial Corporation is the holding company for Hanmi Bank, a regional commercial bank serving businesses, professionals and consumers with lending, deposit and wealth-management services, often focused on Korean-American and local community markets. Long-term growth may come from targeted loan portfolio expansion, deeper deposit relationships and growth in fee-based services that could support stable funding.
Principal risks include credit deterioration—notably commercial real estate and small-business exposure—interest-rate and deposit-funding sensitivity, and competitive or regulatory pressures that could weaken earnings.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 107.93M | 88.61M | 114.58M | 140.73M | 135.49M |
| Net income | 76.09M | 62.20M | 80.04M | 101.39M | 98.68M |
| Selling general administrative | 7.51M | 83.37M | 81.40M | 76.14M | 72.56M |
| Selling and marketing expenses | 3.10M | 3.03M | 3.10M | 3.64M | 2.65M |
| Gross profit | 255.56M | 229.08M | 245.16M | 271.85M | 225.97M |
| Reconciled depreciation | 3.33M | 6.46M | 9.78M | 15.06M | 16.09M |
| Ebit | 107.93M | 88.61M | 114.58M | 161.84M | 135.49M |
| Ebitda | 113.58M | 95.07M | 121.37M | 176.89M | 151.58M |
| Depreciation and amortization | 5.66M | 6.46M | 6.79M | 15.06M | 16.09M |
| Operating income | 107.93M | 88.61M | 114.58M | 161.84M | 135.49M |
| Other operating expenses | 336.81M | 340.90M | 282.98M | -110.01M | -100.05M |
| Interest expense | 174.74M | 196.01M | 148.06M | 36.17M | 21.62M |
| Tax provision | 31.84M | 26.40M | 35.34M | 39.33M | 36.82M |
| Interest income | 409.50M | 397.35M | 353.21M | 272.79M | 215.73M |
| Net interest income | 234.76M | 201.34M | 231.51M | 236.62M | 194.11M |
| Income tax expense | 31.84M | 26.40M | 34.54M | 39.33M | 36.82M |
| Total revenue | 444.74M | 429.51M | 397.56M | 271.85M | 235.55M |
| Total operating expenses | 147.64M | 140.47M | 130.58M | -110.01M | -100.05M |
| Cost of revenue | 189.18M | 200.43M | 152.40M | - | 9.57M |
| Total other income expense net | 96.65M | 0.86M | 99.21M | -21.11M | 127.44M |
| Net income from continuing ops | 76.09M | 62.20M | 89.89M | 101.39M | 98.68M |
| Net income applicable to common shares | - | - | - | 100.84M | 98.01M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 7869.19M | 7677.93M | 7570.34M | 7378.26M | 6858.59M |
| Intangible assets | - | 6.46M | 0.07M | 0.19M | 0.36M |
| Other current assets | - | - | 361.66M | 5300.82M | 3892.58M |
| Total liab | 7072.80M | 6945.75M | 6868.45M | 6740.75M | 6215.17M |
| Total stockholder equity | 796.39M | 732.17M | 701.89M | 637.51M | 643.42M |
| Other current liab | -30.10M | 6435.78M | 2741.07M | -300.00M | -1.16M |
| Common stock | 0.03M | 0.03M | 0.03M | 0.03M | 0.03M |
| Capital stock | 0.03M | 0.03M | 0.03M | 0.03M | 0.03M |
| Retained earnings | 394.33M | 350.87M | 319.05M | 269.54M | 196.78M |
| Good will | 11.03M | 11.03M | 11.10M | 11.03M | 11.03M |
| Other assets | 226.38M | 7340.69M | - | 4670.77M | 3892.58M |
| Cash | 212.84M | 304.80M | 302.32M | 352.42M | 608.97M |
| Total current liabilities | 154.68M | 6695.60M | 2997.21M | 7.79M | 1.16M |
| Current deferred revenue | - | - | -39.31M | - | - |
| Net debt | 67.62M | 88.34M | 199.09M | 426.99M | -256.46M |
| Short term debt | 150.00M | 225.00M | 256.14M | 300.00M | - |
| Short long term debt | 150.00M | 225.00M | 250.00M | 300.00M | - |
| Short long term debt total | 280.46M | 393.14M | 501.41M | 779.41M | 352.51M |
| Other stockholder equity | 445.19M | 451.99M | 454.74M | 456.93M | 455.04M |
| Property plant equipment | - | - | - | 63.25M | 71.09M |
| Total current assets | 7611.40M | 1278.44M | 361.66M | 1819.58M | 2019.03M |
| Long term investments | 880.62M | 905.80M | 865.74M | 853.84M | 910.79M |
| Net tangible assets | - | - | - | 626.29M | 632.02M |
| Short term investments | 880.62M | 905.80M | 865.74M | 853.84M | 910.79M |
| Net receivables | 6517.93M | 67.84M | 627.11M | 613.33M | 499.27M |
| Long term debt | 130.46M | 168.14M | 205.01M | 479.41M | 352.51M |
| Inventory | - | - | -5834.02M | 0.12M | 0.68M |
| Accounts payable | 34.78M | 34.82M | 39.31M | 7.79M | 1.16M |
| Accumulated other comprehensive income | -43.17M | -70.72M | -71.93M | -88.98M | -8.44M |
| Common stock total equity | - | - | - | - | 0.03M |
| Retained earnings total equity | - | - | - | - | 196.78M |
| Treasury stock | - | - | - | - | -125.75M |
| Non currrent assets other | -6500.87M | 177.25M | 103.27M | -887.91M | -946.97M |
| Non current assets total | 31.41M | 6399.49M | 7208.68M | 887.91M | 946.97M |
| Long term debt total | - | - | - | - | 215.01M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | 60.22M | -107.47M | -219.17M | -881.51M | -181.74M |
| Change to liabilities | - | - | - | 24.69M | 3.31M |
| Total cashflows from investing activities | -384.32M | -107.47M | -209.99M | -881.51M | -447.04M |
| Net borrowings | -112.50M | -62.50M | -25.00M | 125.20M | 82.39M |
| Total cash from financing activities | 86.35M | 56.00M | 52.10M | 477.65M | 570.43M |
| Change to operating activities | - | - | - | -2.54M | 6.00M |
| Net income | 76.09M | 62.20M | 80.04M | 101.39M | 98.68M |
| Change in cash | -91.96M | 2.48M | -50.10M | -256.54M | 217.12M |
| Begin period cash flow | 304.80M | 302.32M | 352.42M | 608.97M | 391.85M |
| End period cash flow | 212.84M | 304.80M | 302.32M | 352.42M | 608.97M |
| Total cash from operating activities | 206.01M | 53.95M | 107.80M | 147.31M | 93.73M |
| Depreciation | 5.66M | 6.46M | 6.79M | 15.06M | 16.09M |
| Other cashflows from investing activities | -211.23M | -64.65M | -214.60M | - | 1.52M |
| Dividends paid | 32.62M | 30.38M | 30.54M | -28.64M | -16.51M |
| Change to account receivables | -6.08M | -9.72M | 9.78M | - | - |
| Sale purchase of stock | -9.40M | -6.31M | -4.08M | 0.00M | -6.13M |
| Other cashflows from financing activities | 240.88M | 155.20M | 111.72M | 1305.91M | -0.57M |
| Change to netincome | - | - | - | 8.71M | -30.34M |
| Capital expenditures | 2.31M | 2.62M | 2.42M | 1.93M | 2.72M |
| Cash flows other operating | - | - | - | - | 252.84M |
| Cash and cash equivalents changes | - | - | - | - | 217.12M |
| Change in working capital | -9.61M | -21.94M | 20.41M | 22.14M | 9.31M |
| Stock based compensation | 3.60M | 3.58M | 2.68M | 2.60M | 2.44M |
| Other non cash items | 141.03M | 3.65M | -2.12M | -26.43M | 8.39M |
| Free cash flow | 206.01M | 51.33M | 105.38M | 145.38M | 91.00M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| HAFC Hanmi Financial Corporation |
-0.58 1.75% |
32.55 | 10.79 | 8.62 | 3.43 | 1.17 | 3.78 |
| DBSDY DBS Group Holdings Ltd ADR |
-2.42 1.05% |
227.80 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
1.20 3.58% |
34.75 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
-0.02 0.02% |
82.05 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
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.
900 Wilshire Boulevard, Los Angeles, CA, United States, 90017
213 382 2200
606
| Name | Title | Year Born |
|---|---|---|
| Ms. Bonita I. Lee | Pres, CEO & Director | 1963 |
| Mr. Romolo C. Santarosa | Sr. EVP & CFO | 1956 |
| Mr. Anthony I. Kim | Sr. EVP & Chief Banking Officer of Hanmi Bank | 1969 |
| Mr. Matthew D. Fuhr | Sr. EVP & Chief Credit Admin. Officer of Hanmi Bank | 1963 |
| Mr. Michael Du | Sr. VP & Chief Risk Officer of Hanmi Bank | 1973 |
| Mr. Joseph A. Pangrazio | Sr. VP & Chief Accounting Officer of Hanmi Bank | 1960 |
| Vivian I. Kim | Sr. VP, Gen. Counsel & Corp. Sec. | NA |
| Mr. Greg D. Kim | Chief Admin. Officer & Exec. VP of Hanmi Bank | 1961 |
| Mr. Min S. Park | Exec. VP & Chief Credit Risk Officer of Hanmi Bank | 1963 |
| Ms. Bonita I. Lee | President, CEO & Director | 1963 |
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Basic Materials
-1.82%
Communication Services
-0.22%
Consumer Cyclical
-0.13%
Consumer Defensive
+0.32%
Energy
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Financial Services
-0.85%
Financials
+2.34%
Healthcare
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Industrials
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Real Estate
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Technology
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Utilities
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Note: Daily price change (%) by sector excluding stocks with +/-90% daily price change. Companies above $500 million market capitalization are considered.
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