
Hanmi Financial (HAFC) Stock Forecast & Price Target
Hanmi Financial (HAFC) Analyst Ratings
Bulls say
Hanmi Financial is a competitive bank that shows promise for growth, as evidenced by its strong trade finance and lower loan production this quarter. With a projected loan growth of low-to-mid single digits for 2026 and a focus on core deposit gathering, the bank's EPS estimate has been trimmed but still maintains a positive outlook. Additionally, Hanmi Financial's modest EOP loan increase and decline in EOP deposits are potential areas for improvement, as management aims for a similar deposit growth in the coming years.
Bears say
Hanmi Financial is reporting stable asset quality metrics, with NPA's of only 0.31% of loans and REO and a low NCO ratio of 10 basis points. However, NIM expansion and sequential growth in NII were slower than expected, and the company's loan yields decreased. The potential for further deposit cost declines and buyback activity may help boost future earnings, but with a smaller balance sheet size than previously estimated, the company's growth outlook remains limited.
This aggregate rating is based on analysts' research of Hanmi Financial and is not a guaranteed prediction by Public.com or investment advice.
Hanmi Financial (HAFC) Analyst Forecast & Price Prediction
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