HAFCNasdaqNational Commercial BanksFiscal year ends December 31
HANMI FINANCIAL CORP
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 7, 2026
$30.98−0.14 (-0.45%)
Close on Oct 19, 2026
- Market cap
- $919.77M
- P/E (TTM)
- 10.4
- Dividend yield
- 3.49%
Margins
Share of revenue, fiscal years 2011 to 2025
Operating margin
28.2%
Net margin
28.2%+9.3 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +15.3% | -0.2% | +3.8% | +3.3% | |
| Operating income | +22.3% | -9.1% | – | – | |
| Net income | +22.3% | -9.1% | +12.5% | +3.5% | |
| EPS, diluted | +22.4% | -8.9% | +12.7% | +4.1% | |
| Free cash flow | +307.9% | +11.9% | +29.6% | +12.0% | |
| Dividend per share | +8.0% | +4.7% | +15.7% | – |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 11.0% | 7.4% | 10.0% | |
| Return on assets | 1.3% | 0.7% | 1.0% | |
| Interest coverage | – | – | – | |
| Capex to revenue | 0.4% | 2.0% | 0.9% | |
| Diluted shares | 32M | 30M | 30M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Hanmi Financial generated $608.86M from operations and spent $176.62M on capital expenditure, dividends and share buybacks. 7% of that went back into the business.
Generated
$608.86M
Used
$176.62M
Capital expenditure$12.00M7%Dividends$138.69M79%Share buybacks$25.94M15%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin28.2%
×Asset turnover0.03×
×Equity multiplier10.17×
=Return on equity, FY202510.0%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 28.2% | 0.03× | 10.17× | 10.0% |
| FY2024 | 26.5% | 0.03× | 10.63× | 8.7% |
| FY2023 | 31.3% | 0.03× | 11.16× | 12.0% |
| FY2022 | 37.3% | 0.04× | 11.11× | 15.8% |
| FY2021 | 41.9% | 0.04× | 10.70× | 16.2% |
| FY2020 | 18.8% | 0.04× | 10.30× | 7.4% |
| FY2019 | 16.1% | 0.04× | 9.89× | 5.9% |
| FY2018 | 28.2% | 0.04× | 9.61× | 10.4% |
| FY2017 | 26.0% | 0.04× | 9.06× | 10.0% |
| FY2016 | 29.2% | 0.04× | 8.72× | 11.0% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
6of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$76.09M
- Cash generatingOperating cash flow above zero$206.01M
- Return on assets improvedROA up on the prior year0.8% → 1.0%
- Earnings backed by cashOperating cash flow above net income$206.01M vs $76.09M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise30M → 30M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.03 → 0.04