Investors in Hanmi Financial Corporation (HAFC) need to pay close attention to the stock based on moves in the options market lately. That is because the Jan 16, 2026 $20.00 Put had some of the highest implied volatility of all equity options today.What is Implied Volatility?Implied volatility shows how much movement the market is expecting in the future. Options with high levels of implied volatility suggest that investors in the underlying stocks are expecting a big move in one direction or the other. It ...

Here at Zacks, we focus on our proven ranking system, which places an emphasis on earnings estimates and estimate revisions, to find winning stocks. But we also understand that investors develop their own strategies, so we are constantly looking at the latest trends in value, growth, and momentum to find strong companies for our readers.Of these, perhaps no stock market trend is more popular than value investing, which is a strategy that has proven to be successful in all sorts of market environments. Value ...

Core Viewpoint - The article emphasizes the importance of value investing and highlights Hanmi Financial (HAFC) as a strong candidate for value investors due to its favorable valuation metrics and earnings outlook [2][4][7]. Company Analysis - Hanmi Financial (HAFC) currently holds a Zacks Rank of 2 (Buy) and has a Value grade of A, indicating strong potential for value investors [4]. - The stock is trading at a P/E ratio of 9.54, which is lower than the industry average P/E of 9.70, suggesting it may be undervalued [4]. - HAFC's Forward P/E has fluctuated between 7.95 and 11.89 over the past year, with a median of 9.30, indicating stable valuation [4]. - The P/B ratio for HAFC is 0.99, compared to the industry average of 1.24, further supporting the notion of undervaluation [5]. - The P/S ratio for HAFC stands at 1.77, which is lower than the industry's average P/S of 2.28, reinforcing its attractiveness to value investors [6]. - Overall, the combination of these metrics positions Hanmi Financial as one of the strongest value stocks in the market currently [7].

Core Viewpoint - Hanmi Financial (HAFC) has received an upgrade to a Zacks Rank 1 (Strong Buy) due to an upward trend in earnings estimates, which is a significant factor influencing stock prices [1][3]. Earnings Estimates and Stock Performance - The Zacks rating system is based solely on a company's changing earnings picture, with the Zacks Consensus Estimate tracking EPS estimates from sell-side analysts [1][2]. - The correlation between changes in earnings estimates and near-term stock price movements is well-established, with institutional investors using these estimates to determine fair value [4][6]. Recent Developments for Hanmi Financial - Hanmi Financial is projected to earn $2.52 per share for the fiscal year ending December 2025, indicating no year-over-year change [8]. - Over the past three months, the Zacks Consensus Estimate for Hanmi Financial has increased by 5.4%, reflecting a positive trend in earnings estimates [8]. Zacks Rank System - The Zacks Rank system classifies stocks into five groups based on earnings estimates, with Zacks Rank 1 stocks historically generating an average annual return of +25% since 1988 [7]. - The upgrade of Hanmi Financial to Zacks Rank 1 places it in the top 5% of Zacks-covered stocks, suggesting potential for higher stock movement in the near term [10].

Core Insights - Three stocks with buy rank and strong income characteristics are highlighted for investors to consider on November 11th Group 1: Hanmi Financial Corporation (HAFC) - Hanmi Financial Corporation is a banking products and services provider with a Zacks Rank 1 [1] - The Zacks Consensus Estimate for its current year earnings has increased by 5.4% over the last 60 days [1] - The company has a dividend yield of 4.1%, which is higher than the industry average of 3.2% [1] Group 2: Preferred Bank (PFBC) - Preferred Bank is also a banking products and services provider with a Zacks Rank 1 [2] - The Zacks Consensus Estimate for its current year earnings has similarly increased by 5.4% over the last 60 days [2] - The company has a dividend yield of 3.3%, compared to the industry average of 3.2% [2] Group 3: TE Connectivity plc (TEL) - TE Connectivity plc is a connectivity and sensor technology company with a Zacks Rank 1 [2] - The Zacks Consensus Estimate for its current year earnings has increased by 7.7% over the last 60 days [2] - The company has a dividend yield of 1.2%, which is significantly higher than the industry average of 0.0% [3]

Financial Performance - Net income for Q3 2025 was $22.1 million, or $0.73 per diluted share, compared to $14.9 million, or $0.49 per diluted share in Q3 2024, driven by an $11.0 million increase in net interest income [166]. - For the nine months ended September 30, 2025, net income was $54.9 million, or $1.82 per diluted share, up from $44.5 million, or $1.47 per diluted share in the same period last year, with a $24.0 million increase in net interest income [167]. - Return on average assets for Q3 2025 was 1.12%, up from 0.79% in Q3 2024, while return on average stockholders' equity increased to 10.69% from 7.55% [168]. Loans and Deposits - Loans receivable increased by $277.2 million, or 4.5%, to $6.46 billion as of September 30, 2025, from $6.18 billion at the end of 2024 [169]. - Deposits rose to $6.77 billion at September 30, 2025, compared to $6.44 billion at December 31, 2024, with time deposits increasing by $173.4 million [171]. - The loan-to-deposit ratio was 96.5% at September 30, 2025, compared to 97.1% at December 31, 2024 [250]. Interest Income and Expense - Net interest income for Q3 2025 was $61.1 million, compared to $50.1 million in Q3 2024, reflecting a net interest margin of 3.22% versus 2.74% [175]. - The total interest-earning assets increased to $7.55 billion in Q3 2025, with an average yield of 5.54%, compared to $7.30 billion and 5.48% in Q3 2024 [175]. - The average cost of interest-bearing liabilities decreased to 3.60% for the three months ended September 30, 2025, down from 4.29% in the same period of 2024 [185]. Credit Losses - Credit loss expense for Q3 2025 was $2.1 million, a slight decrease from $2.3 million in Q3 2024, while for the nine months ended September 30, 2025, it rose to $12.5 million from $3.5 million in the same period last year [166][167]. - The company experienced a $9.0 million increase in credit loss expense for the nine months ended September 30, 2025, compared to the same period in 2024 [167]. - Nonperforming loans increased to $19.4 million, representing a 35.7% rise compared to $14.3 million at December 31, 2024 [229]. Noninterest Income and Expense - Noninterest income for the three months ended September 30, 2025, was $9.9 million, an increase of $1.4 million, primarily due to a $0.9 million increase in bank-owned life insurance income [203]. - Noninterest expense for the three months ended September 30, 2025, was $37.4 million, an increase of $2.3 million, or 6.5%, compared to $35.1 million in 2024 [208]. - For the nine months ended September 30, 2025, noninterest expense was $108.7 million, an increase of $1.9 million, or 1.8%, compared to $106.8 million for the same period in 2024 [209]. Capital and Equity - Stockholders' equity increased to $779.6 million as of September 30, 2025, up from $732.2 million at the end of 2024, driven by net income and share-based compensation [257]. - The Company’s total risk-based capital ratio was 15.05% as of September 30, 2025, reflecting strong capital adequacy [267]. - The Bank's total risk-based capital ratio was 14.28% as of September 30, 2025, indicating a "well capitalized" status under regulatory definitions [266]. Tax and Regulatory - The effective income tax rate for the nine months ended September 30, 2025, was 29.5%, compared to 29.7% for the same period in 2024 [210]. - The allowance for credit losses was $69.8 million as of September 30, 2025, down from $70.1 million at December 31, 2024 [245]. - The allowance for credit losses to loans receivable ratio was 1.07% as of September 30, 2025, compared to 1.12% at December 31, 2024 [245].

Core Viewpoint - Hanmi Financial (HAFC) is experiencing solid improvement in earnings estimates, which is likely to positively impact its stock price momentum [1][2] Estimate Revisions - The trend in estimate revisions reflects growing analyst optimism regarding Hanmi Financial's earnings prospects, which is expected to influence its stock price positively [2] - For the current quarter, Hanmi Financial is projected to earn $0.71 per share, a 22.4% increase from the previous year, with a 5.47% rise in consensus estimates over the last 30 days [6] - For the full year, the earnings estimate is $2.52 per share, representing a year-over-year increase of 22.9%, with a 5.29% boost in consensus estimates [7][8] Zacks Rank - Hanmi Financial has achieved a Zacks Rank 1 (Strong Buy) due to favorable estimate revisions, indicating strong potential for stock performance [9] - The Zacks Rank system has a proven track record, with Zacks 1 Ranked stocks averaging a 25% annual return since 2008 [3] Stock Performance - The stock has gained 9.9% over the past four weeks, driven by solid estimate revisions and positive earnings growth prospects [10]

Core Insights - Hanmi Financial Corporation and its subsidiary Hanmi Bank have received notable recognitions in the 2025 Most Powerful Women in Banking awards, highlighting their leadership and community impact [1][2][3] Company Recognition - Anna Chung, Executive Vice President and Chief Community Lending Officer, has been named to the 2025 Women to Watch list, which honors rising executive leaders in the banking sector [1][2] - Hanmi's Community Lending Division has been recognized as one of the Top Teams for 2025, acknowledging exceptional collaboration and business performance [1][2] Leadership Commentary - Bonnie Lee, President and CEO, praised Anna Chung for her strategic acumen and commitment to supporting small businesses, emphasizing her role in the company's success [3] - The recognition of the Top Teams reflects the dedication of Hanmi's SBA and community banking professionals in supporting entrepreneurs and underrepresented communities [3] Industry Context - The Most Powerful Women in Banking awards celebrate women leading transformation in the financial services sector, with a focus on measurable business results and operational discipline [2][3]

Core Insights - Anna Chung, Executive Vice President and Chief Community Lending Officer of Hanmi Financial Corporation, has been named to the 2025 Most Powerful Women in Banking's Women to Watch list [1][2] - Hanmi Bank's Community Lending Division has been recognized as one of the five Most Powerful Women in Banking Top Teams for 2025, highlighting exceptional collaboration and leadership [1][2] Company Recognition - The Most Powerful Women in Banking honors women leading transformation in the banking and finance industry, with the Women to Watch list recognizing rising executive leaders [2] - The Top Teams distinction is awarded to departments with at least 50% women that have demonstrated significant organizational impact [2] Leadership Commentary - Bonnie Lee, President and CEO of Hanmi, praised Anna Chung for her strategic acumen and commitment to supporting small businesses, emphasizing her invaluable role in the executive team [3] - Holly Sraeel, Founder of The Most Powerful Women in Banking, noted the ability of these leaders to balance big-picture thinking with operational discipline, preparing for market shifts and regulatory changes [3] Company Mission - Hanmi Bank has a long-standing mission to support entrepreneurs and underrepresented communities, focusing on expanding access to capital and building lasting relationships to help small businesses thrive [3]

Group 1 - The article does not provide any specific information or insights regarding a company or industry [1]