HAFC Stock Analysis: Buy, Sell, or Hold?
HAFC - Hanmi Financial Corp
$31.56
-0.19 (-0.60%)
▼
5d:
+3.34%
30d:
+7.71%
90d:
+23.19%
HOLD
MODERATE Confidence
Analysis Updated: Jun 12, 2026 12:00 AM ET
Earnings: Jul 28, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: HAFC is fairly valued with market pricing in 2.4% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: HAFC is fairly valued with market pricing in 2.4% annual growth. Fine to hold or accumulate slowly on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$39.53
Based on 6.1% avg growth
INTRINSIC VALUE TODAY
$24.54
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 8.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: HAFC is currently trading at $31.56, which is considered extended relative to its 30-day fair value range of $29.48 to $30.92. The stock's valuation (Forward PE: 9.3) is in line with its historical norms (8.6). At these levels, the market is pricing in 2.4% 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 strong uptrend. The price is approaching resistance at $31.30. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: HAFC has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, HAFC is in a strong uptrend. The price is approaching resistance at $31.30. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: HAFC has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$29.48 -
$30.92
Company Quality Score
64/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
58.1%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($32.88)
- NEUTRAL: Market pricing in 2.4% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$29.48 -
$30.92
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$29.13
Resistance Level
$31.30
Current Trend
Strong Uptrend
Technical data as of
Jun 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.28
Wall Street Target
$32.88
(+3.5%)
Revenue Growth (YoY)
14.6%
Earnings Growth (YoY)
29.3%
Profit Margin
30.6%
Valuation Premium vs History
+2.4% premium
PE vs Historical
9.3 vs 8.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.4%
(market-implied from PE analysis)
1-Year Target
$32.51
(+2%)
2-Year Target
$33.29
(+5%)
3-Year Target
$34.09
(+7%)
3-Yr Target (if PE normalizes)
(PE: 9→9)
PE COMPRESSION
$31.58
(-1%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.9, Growth: 8.2%)
$95.04
(+199%)
Base:
(SPY PE: 9.3, Growth: 8.2%)
$40.25
(+27%)
Bear:
(PE: 7.9, Growth: 8.2%)
$34.21
(+8%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 11.67 | Current EPS (TTM): $2.68
Bull Case
$43.89
(+38%)
Analyst growth 27.6%, PE expands to 12.8
Base Case
$39.90
(+26%)
Market implied 27.6%, PE stable at 11.7
Bear Case
$21.26
(-33%)
Severe decline -20.0%, PE contracts to 9.9
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: June 15, 2026 10:42 AM ET
Data refreshes hourly during market hours. Next update: 11:42 AM
Data refreshes hourly during market hours. Next update: 11:42 AM
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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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