HAFC
Hanmi FinancialCNasdaq / Banks
Last Price
At close
2026-07-23
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
Value
What changed
Value remains the lead driver in the composite, 7D delta +0.2.
What can break
CRE concentration and localized credit stress
Momentum
49
Value
58
Sentiment
49
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $30.50 · Bull $33.08 · Bear $27.24
Data freshness
Prices
As of 2026-07-23
Fundamentals
As of 2026-07-23 • Vendor: Data Vendor v1
Scores
As of 2026-07-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-28 • Model: RankAlpha Sentiment AI
Investment thesisAs of 2026-07-23
Investment thesis
As of 2026-07-23
Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $34.00
Why
Momentum49 · Δ7d -20.0
Value58 · Δ7d +0.2
Sentiment49 · Δ7d +2.1
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.
Lead driver: Value · See fundamentals
Momentum
49
26% active weight
Current posture
7d trendSoftening
Δ7d
-20.0
Δ21d
-12.5
Value
58
39% active weight
Current posture
7d trendFlat
Δ7d
+0.2
Δ21d
+0.4
Sentiment
49
34% active weight
Current posture
7d trendImproving
Δ7d
+2.1
Δ21d
+2.6
Why this grade
Composite grade C. Momentum 49.3 / Value 57.9 / Sentiment 49.3
Fundamentals (TTM)As of 2026-07-23
Fundamentals (TTM)
As of 2026-07-23
Market Cap
$959.07M
Beta
0.75
Shares Out
29.77M
P/E (TTM)
11.4
P/S (TTM)
3.17
P/FCF (TTM)
6.06
Rev YoY
+3.4%
EPS YoY
+28.7%
Gross Margin
-
Op Margin
+39.7%
Net Debt
$103.65M
Current Ratio
0.11
As of 2026-07-23 • Updated nightlySource: Internal modelMethodology