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HAFC

Hanmi FinancialC
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Sustained NIM expansion, deposit stabilization, controlled credit costs, and disciplined capital return drive EPS recovery and modest multiple expansion, pushing shares toward the analyst high of $33.08.
Posture
Mixed
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta -1.3.
What can break
CRE concentration and localized credit stress
Momentum
48
Value
58
Sentiment
60
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $30.50 · Bull $33.08 · Bear $27.24Analysis 2026-01-28; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-11 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-28 • Model: RankAlpha Sentiment AI
Investment thesis
As of 2026-09-11

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-11. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $34.25
Why
Momentum48 · Δ7d +3.4
Value58 · Δ7d -0.0
Sentiment60 · Δ7d -1.3
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta -1.3.

Contradictions & invalidation

  • • CRE concentration and localized credit stress
  • • Deposit outflows / funding-cost spike
  • • Prolonged deposit runoff, materially higher provisions, or worsening CRE losses compress earnings and force multiple contraction, driving valuation toward the analyst low of $27.24.

Catalyst clock

2026-01-27

Q4 2025 earnings and updated guidance

Lead driver: Sentiment · See AI snapshot
Momentum
48
9% active weight
Current posture
7d trendImproving
Δ7d
+3.4
Δ21d
+1.9
Value
58
28% active weight
Current posture
7d trendFlat
Δ7d
-0.0
Δ21d
-0.1
Sentiment
60
62% active weight
Current posture
7d trendSoftening
Δ7d
-1.3
Δ21d
-2.5
Why this grade

Composite grade C. Momentum 47.9 / Value 58.3 / Sentiment 60.3

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-01-28. Scenario method

B+
Bull case
25%
Probability
Target price
$33.08
Analysis reference price unavailable
Analysis 2026-01-28 · RankAlpha Sentiment AI
Most likely
B
Base case
55%
Probability
Target price
$30.50
Analysis reference price unavailable
Analysis 2026-01-28 · RankAlpha Sentiment AI
B-
Bear case
20%
Probability
Target price
$27.24
Analysis reference price unavailable
Analysis 2026-01-28 · RankAlpha Sentiment AI
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$954.71M
Beta
0.75
Shares Out
29.65M
P/E (TTM)
11.4
P/S (TTM)
3.17
P/FCF (TTM)
6.06
Rev YoY
+2.1%
EPS YoY
+57.6%
Gross Margin
-
Op Margin
+27.5%
Net Debt
$103.65M
Current Ratio
0.13
As of 2026-09-11 • Updated nightlySource: Internal modelMethods & Data