Hanmi Financial (HAFC) Stock: Buy, Sell, or Hold?
HAFC - Hanmi Financial Corp
$31.67
0.46 (1.47%)
â˛
5d:
-1.34%
30d:
+0.22%
90d:
-2.49%
WAIT
LOW Confidence
Analysis Updated: Oct 2, 2026 12:00 AM ET
Earnings: Oct 20, 2026
16d
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Interactive Price Chart (1 Month)
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Bottom Line:
âšī¸ NEUTRAL: HAFC is fairly priced but lacks strong directional signals. At 1.6% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
âšī¸ NEUTRAL: HAFC is fairly priced but lacks strong directional signals. At 1.6% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$38.63
Based on 5.1% avg growth
INTRINSIC VALUE TODAY
$23.98
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 8.9x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: HAFC is currently trading at $31.67, which is considered fair relative to its 30-day fair value range of $31.16 to $32.07. The stock's valuation (Forward PE: 9.4) is in line with its historical norms (8.9). At these levels, the market is pricing in 1.6% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, HAFC is in a uptrend. The price is approaching resistance at $32.58. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: HAFC scores 60/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, HAFC is in a uptrend. The price is approaching resistance at $32.58. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: HAFC scores 60/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$31.16 -
$32.07
Company Quality Score
52/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
79.5%
All Signals
- NEUTRAL: Price in fair range
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($34.25)
- NEUTRAL: Market pricing in 1.6% annual earnings growth - fairly valued
- WARNING: Composite score 52/100 in the bottom quintile â this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$31.16 -
$32.07
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$30.17
Resistance Level
$32.58
Current Trend
Uptrend
Technical data as of
Oct 2, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.36
Wall Street Target
$34.25
(+8.1%)
Revenue Growth (YoY)
23.3%
Earnings Growth (YoY)
58.0%
Profit Margin
32.1%
Valuation Premium vs History
+1.6% premium
PE vs Historical
9.4 vs 8.9
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.6%
(market-implied from PE analysis)
1-Year Target
$32.18
(+2%)
2-Year Target
$32.69
(+3%)
3-Year Target
$33.21
(+5%)
3-Yr Target (if PE normalizes)
(PE: 9â9)
PE COMPRESSION
$31.60
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.4, Growth: 6.2%)
$82.76
(+161%)
Base:
(SPY PE: 9.4, Growth: 6.2%)
$37.96
(+20%)
Bear:
(PE: 8.0, Growth: 6.2%)
$32.26
(+2%)
đ
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (10x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 10.40 | Current EPS (TTM): $3.00
Bull Case
$38.74
(+22%)
Analyst growth 12.8%, PE expands to 11.4
Base Case
$35.22
(+11%)
Market implied 12.8%, PE stable at 10.4
Bear Case
$21.22
(-33%)
Severe decline -20.0%, PE contracts to 8.8
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: October 02, 2026 7:58 PM ET
Data refreshes hourly during market hours. Next update: 8:58 PM
Data refreshes hourly during market hours. Next update: 8:58 PM
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Technical Signals Check
Is HAFC showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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