Core Viewpoint - Hanmi Financial Corporation (NASDAQ: HAFC) is positioned as a strong investment opportunity due to its resilience in performance, growth potential, and solid financial health [1][5]. Recent Performance - HAFC experienced a 5.65% decline over the past 10 days but has shown resilience with a 1.20% gain over the last 30 days, indicating its ability to withstand market fluctuations [2][6]. Growth Potential - The stock has a projected price increase of 21.86%, suggesting it is currently undervalued and has significant room for appreciation. The target price is set at $34, highlighting the potential upside for investors [3][5]. Financial Health - Hanmi Financial Corporation boasts a Piotroski Score of 8, reflecting strong fundamentals in profitability, leverage, liquidity, and operating efficiency, making it an attractive investment option [4][6].

Core Viewpoint - Hanmi Financial Corporation is actively engaging with institutional investors at the Janney 6 Annual Bank CEO Forum, indicating a focus on investor relations and transparency [1]. Company Overview - Hanmi Financial Corporation is headquartered in Los Angeles, California, and owns Hanmi Bank, which operates 32 full-service branches and additional loan production offices and centers across multiple states including California, Texas, and New York [3]. - The bank specializes in lending services such as real estate, commercial, SBA, and trade finance, targeting small and middle market businesses [3]. Investor Relations - The company will provide a presentation for institutional investors, which will be accessible in the Investor Relations section of its website [2]. - Key executives, including Bonnie Lee (President and CEO) and Ron Santarosa (CFO), will be hosting meetings with investors during the forum [1]. Contact Information - Investor contacts include Ron Santarosa, Senior Executive Vice President & CFO, and Lisa Fortuna from Financial Profiles, Inc., providing direct lines for investor inquiries [4].

Core Viewpoint - The article highlights Hanmi Financial (HAFC) as a strong value investment opportunity, supported by its favorable valuation metrics and earnings outlook [4][8]. Valuation Metrics - HAFC has a Forward P/E ratio of 9.54, which is lower than the industry average of 10.43. The stock's Forward P/E has fluctuated between 7.95 and 11.89 over the past 12 months, with a median of 9.30 [4]. - The company's P/B ratio stands at 0.99, compared to the industry average of 1.37. Over the last year, HAFC's P/B has ranged from 0.74 to 1.10, with a median of 0.94 [5]. - HAFC's P/S ratio is 1.67, which is significantly lower than the industry's average of 2.34 [6]. - The P/CF ratio for HAFC is 10.15, compared to the industry average of 11.70. This ratio has varied between 7.18 and 11.16 in the past year, with a median of 9.60 [7]. Investment Outlook - The combination of HAFC's strong valuation metrics and positive earnings outlook suggests that the stock is currently undervalued, making it an attractive option for value investors [8].

Core Viewpoint - Hanmi Financial (HAFC) has experienced significant selling pressure, resulting in an 8.4% decline over the past four weeks, but analysts anticipate better earnings than previously expected, indicating potential for recovery [1]. Group 1: Technical Indicators - The Relative Strength Index (RSI) is utilized to determine if HAFC is oversold, with a reading of 28.21 suggesting that heavy selling may be exhausting, indicating a possible price rebound [2][5]. - RSI is a momentum oscillator that measures the speed and change of price movements, typically indicating oversold conditions when the reading falls below 30 [2][3]. Group 2: Fundamental Indicators - Analysts have raised earnings estimates for HAFC by 1.1% over the last 30 days, reflecting a strong consensus among sell-side analysts, which often leads to price appreciation [7]. - HAFC holds a Zacks Rank 2 (Buy), placing it in the top 20% of over 4,000 ranked stocks based on earnings estimate revisions and EPS surprises, further supporting the potential for a turnaround [8].

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Core Viewpoint - Hanmi Financial Corporation has declared a cash dividend of $0.28 per share for the first quarter of 2026, representing a 4% increase from the previous quarter, and has expanded its share repurchase authorization to approximately 2.3 million shares, reflecting confidence in its financial strength and commitment to enhancing stockholder returns [1][2]. Dividend Announcement - The cash dividend of $0.28 per share will be paid on February 25, 2026, to stockholders of record as of February 9, 2026 [1]. - This dividend increase indicates the Board's confidence in the company's financial outlook [2]. Share Repurchase Program - The company has expanded its share repurchase authorization by 1.5 million shares, bringing the total repurchase capacity to approximately 2.3 million shares, which is about 7.8% of shares outstanding as of December 31, 2025 [2]. - The repurchase program allows for shares to be bought back in the open market or through private transactions, and management will decide on repurchases based on market conditions and other factors [3][4]. Company Overview - Hanmi Financial Corporation is headquartered in Los Angeles, California, and owns Hanmi Bank, which serves multi-ethnic communities through a network of 32 full-service branches and additional loan production offices across several states [5]. - The bank specializes in real estate, commercial, SBA, and trade finance lending to small and middle-market businesses [5].

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Core Insights - Hanmi Financial (HAFC) reported a revenue of $71.18 million for the quarter ended December 2025, marking a year-over-year increase of 17.1% [1] - The earnings per share (EPS) for the same period was $0.70, compared to $0.58 a year ago, indicating growth [1] - The reported revenue exceeded the Zacks Consensus Estimate of $70.75 million by 0.61%, while the EPS fell short of the consensus estimate of $0.71 by 0.95% [1] Financial Performance Metrics - The efficiency ratio for Hanmi Financial was reported at 55%, slightly above the average estimate of 53.1% based on two analysts [4] - The net interest margin stood at 3.3%, aligning with the average estimate from two analysts [4] - Net loan charge-offs to average loans were reported at 0.1%, matching the average estimate from two analysts [4] - Total noninterest income was $8.3 million, surpassing the average estimate of $8.08 million based on two analysts [4] Stock Performance - Over the past month, shares of Hanmi Financial have returned +3.3%, outperforming the Zacks S&P 500 composite's +0.4% change [3] - The stock currently holds a Zacks Rank 3 (Hold), suggesting it may perform in line with the broader market in the near term [3]

Core Insights - Hanmi Financial reported a slight decline in fourth-quarter earnings due to lower non-interest income, despite strong loan growth and net interest margin expansion [4][6][3] Financial Performance - Fourth-quarter net interest income increased to $62.9 million, with average loans rising 2.4% to $6.46 billion at an average rate of 5.94% [2] - Net income for the fourth quarter was $21.2 million, or $0.70 per diluted share, down 3.7% from the prior quarter [3] - Full-year 2025 net income rose 22% to $76.1 million, with a return on average equity of 9.32% [7] Loan and Deposit Dynamics - Fourth-quarter loan production was $375 million, down 34% from the third quarter, but full-year originations remained strong across categories [9][10] - Deposits decreased 1.3% in the fourth quarter, although full-year deposits grew 3.8% [12][10] Credit Quality - Credit quality remained strong, with non-performing assets at 0.26% of total assets and an allowance for credit losses at 1.07% of total loans [15] - Net charge-offs were reported at 10 basis points of loans [15] Strategic Priorities - Management outlined 2026 priorities focusing on measured loan growth, deposit gathering, expense discipline, and conservative credit oversight [4][17] - The company aims to reprice approximately $1.8 billion of maturing CDs in the 3.5% to 3.7% range to reduce funding costs [14] Shareholder Returns - Hanmi returned $42 million to shareholders in 2025, including $9 million in share repurchases and $33 million in dividends [19]

Core Insights - Hanmi Financial (HAFC) reported quarterly earnings of $0.7 per share, missing the Zacks Consensus Estimate of $0.71 per share, but showing an increase from $0.58 per share a year ago, resulting in an earnings surprise of -0.95% [1] - The company posted revenues of $71.18 million for the quarter ended December 2025, surpassing the Zacks Consensus Estimate by 0.61% and increasing from $60.81 million year-over-year [2] - Hanmi Financial shares have increased by approximately 5.1% since the beginning of the year, outperforming the S&P 500's gain of 1.5% [3] Earnings Outlook - The current consensus EPS estimate for the upcoming quarter is $0.72 on revenues of $70.7 million, and for the current fiscal year, it is $2.98 on revenues of $292.95 million [7] - The estimate revisions trend for Hanmi Financial was mixed ahead of the earnings release, resulting in a Zacks Rank 3 (Hold) for the stock, indicating expected performance in line with the market [6] Industry Context - The Zacks Industry Rank for Banks - West is currently in the top 32% of over 250 Zacks industries, suggesting that the industry outlook can significantly impact stock performance [8] - Empirical research indicates a strong correlation between near-term stock movements and trends in earnings estimate revisions, which can be tracked by investors [5]