Hanmi Financial (HAFC)
Market Price (1/29/2026): $24.1 | Market Cap: $718.9 MilSector: Financials | Industry: Regional Banks
Hanmi Financial (HAFC)
Market Price (1/29/2026): $24.1Market Cap: $718.9 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 14%, Dividend Yield is 4.3%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 10%, FCF Yield is 23% | Weak multi-year price returns3Y Excs Rtn is -56% | Weak revenue growthRev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is 0.6% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -122% | Key risksHAFC key risks include no company-specific risks listed in the provided text. | |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 65%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 64% | ||
| Low stock price volatilityVol 12M is 34% | ||
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 14%, Dividend Yield is 4.3%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 10%, FCF Yield is 23% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -122% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 65%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 64% |
| Low stock price volatilityVol 12M is 34% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending. |
| Weak multi-year price returns3Y Excs Rtn is -56% |
| Weak revenue growthRev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is 0.6% |
| Key risksHAFC key risks include no company-specific risks listed in the provided text. |
Qualitative Assessment
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Hanmi Financial (HAFC) stock has remained largely at the same level since 9/30/2025 because of the following key factors:
1. Mixed Fourth Quarter 2025 Financial Results. Hanmi Financial reported its fourth quarter 2025 earnings on January 27, 2026, revealing a complex picture that contributed to balanced market sentiment. The company's diluted earnings per share (EPS) of $0.70 slightly missed the consensus estimate of $0.71. However, this was partially offset by a 2.9% increase in net interest income quarter-over-quarter and an expanded net interest margin (NIM) of 3.28%, driven by effective management of deposit costs and higher average loan balances. The simultaneous slight miss on EPS and positive performance in core banking metrics created a lack of strong directional impetus for the stock for most of the period, culminating in a stable closing price of $28.41 on January 27, 2026, despite the minor earnings per share miss.
2. Solid Full-Year 2025 Performance. Despite the mixed quarterly results, Hanmi Financial delivered robust overall performance for the full year 2025. The company's net income rose significantly by 22% to $76.1 million, with diluted EPS reaching $2.51, compared to $2.05 in 2024. This strong annual growth provided an underlying level of confidence among investors, acting as a supportive factor that prevented substantial downward pressure on the stock throughout most of the period.
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1. Mixed Fourth Quarter 2025 Financial Results. Hanmi Financial reported its fourth quarter 2025 earnings on January 27, 2026, revealing a complex picture that contributed to balanced market sentiment. The company's diluted earnings per share (EPS) of $0.70 slightly missed the consensus estimate of $0.71. However, this was partially offset by a 2.9% increase in net interest income quarter-over-quarter and an expanded net interest margin (NIM) of 3.28%, driven by effective management of deposit costs and higher average loan balances. The simultaneous slight miss on EPS and positive performance in core banking metrics created a lack of strong directional impetus for the stock for most of the period, culminating in a stable closing price of $28.41 on January 27, 2026, despite the minor earnings per share miss.
2. Solid Full-Year 2025 Performance. Despite the mixed quarterly results, Hanmi Financial delivered robust overall performance for the full year 2025. The company's net income rose significantly by 22% to $76.1 million, with diluted EPS reaching $2.51, compared to $2.05 in 2024. This strong annual growth provided an underlying level of confidence among investors, acting as a supportive factor that prevented substantial downward pressure on the stock throughout most of the period.
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Stock Movement Drivers
Fundamental Drivers
The 1.3% change in HAFC stock from 9/30/2025 to 1/28/2026 was primarily driven by a 5.4% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 9302025 | 1282026 | Change |
|---|---|---|---|
| Stock Price ($) | 24.44 | 24.77 | 1.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 246 | 260 | 5.4% |
| Net Income Margin (%) | 26.5% | 27.9% | 5.3% |
| P/E Multiple | 11.2 | 10.2 | -9.0% |
| Shares Outstanding (Mil) | 30 | 30 | 0.4% |
| Cumulative Contribution | 1.3% |
Market Drivers
9/30/2025 to 1/28/2026| Return | Correlation | |
|---|---|---|
| HAFC | 1.3% | |
| Market (SPY) | 4.4% | 27.3% |
| Sector (XLF) | -1.6% | 36.6% |
Fundamental Drivers
The 2.6% change in HAFC stock from 6/30/2025 to 1/28/2026 was primarily driven by a 9.2% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 6302025 | 1282026 | Change |
|---|---|---|---|
| Stock Price ($) | 24.14 | 24.77 | 2.6% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 238 | 260 | 9.2% |
| Net Income Margin (%) | 27.2% | 27.9% | 2.7% |
| P/E Multiple | 11.2 | 10.2 | -8.8% |
| Shares Outstanding (Mil) | 30 | 30 | 0.4% |
| Cumulative Contribution | 2.6% |
Market Drivers
6/30/2025 to 1/28/2026| Return | Correlation | |
|---|---|---|
| HAFC | 2.6% | |
| Market (SPY) | 12.9% | 29.2% |
| Sector (XLF) | 1.5% | 38.2% |
Fundamental Drivers
The 9.7% change in HAFC stock from 12/31/2024 to 1/28/2026 was primarily driven by a 11.7% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 12312024 | 1282026 | Change |
|---|---|---|---|
| Stock Price ($) | 22.58 | 24.77 | 9.7% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 233 | 260 | 11.7% |
| Net Income Margin (%) | 27.2% | 27.9% | 2.8% |
| P/E Multiple | 10.7 | 10.2 | -5.0% |
| Shares Outstanding (Mil) | 30 | 30 | 0.5% |
| Cumulative Contribution | 9.7% |
Market Drivers
12/31/2024 to 1/28/2026| Return | Correlation | |
|---|---|---|
| HAFC | 9.7% | |
| Market (SPY) | 19.7% | 43.0% |
| Sector (XLF) | 10.8% | 51.4% |
Fundamental Drivers
The 17.2% change in HAFC stock from 12/31/2022 to 1/28/2026 was primarily driven by a 68.9% change in the company's P/E Multiple.| (LTM values as of) | 12312022 | 1282026 | Change |
|---|---|---|---|
| Stock Price ($) | 21.14 | 24.77 | 17.2% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 259 | 260 | 0.5% |
| Net Income Margin (%) | 41.1% | 27.9% | -32.0% |
| P/E Multiple | 6.0 | 10.2 | 68.9% |
| Shares Outstanding (Mil) | 30 | 30 | 1.6% |
| Cumulative Contribution | 17.2% |
Market Drivers
12/31/2022 to 1/28/2026| Return | Correlation | |
|---|---|---|
| HAFC | 17.2% | |
| Market (SPY) | 88.6% | 42.6% |
| Sector (XLF) | 62.0% | 58.6% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| HAFC Return | 115% | 8% | -17% | 29% | 20% | 5% | 214% |
| Peers Return | 61% | -7% | 7% | 18% | 9% | 2% | 109% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 2% | 86% |
Monthly Win Rates [3] | |||||||
| HAFC Win Rate | 83% | 42% | 42% | 50% | 67% | 100% | |
| Peers Win Rate | 73% | 48% | 47% | 52% | 52% | 80% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 100% | |
Max Drawdowns [4] | |||||||
| HAFC Max Drawdown | -1% | -7% | -43% | -24% | -13% | -1% | |
| Peers Max Drawdown | -1% | -14% | -34% | -14% | -20% | -3% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -1% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: HOPE, CATY, EWBC, PCB, PFBC.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 1/28/2026 (YTD)
How Low Can It Go
| Event | HAFC | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -49.2% | -25.4% |
| % Gain to Breakeven | 97.0% | 34.1% |
| Time to Breakeven | 897 days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -62.2% | -33.9% |
| % Gain to Breakeven | 164.4% | 51.3% |
| Time to Breakeven | 168 days | 148 days |
| 2018 Correction | ||
| % Loss | -52.2% | -19.8% |
| % Gain to Breakeven | 109.3% | 24.7% |
| Time to Breakeven | Not Fully Recovered days | 120 days |
| 2008 Global Financial Crisis | ||
| % Loss | -96.7% | -56.8% |
| % Gain to Breakeven | 2910.5% | 131.3% |
| Time to Breakeven | Not Fully Recovered days | 1,480 days |
Compare to HOPE, CATY, EWBC, PCB, PFBC
In The Past
Hanmi Financial's stock fell -49.2% during the 2022 Inflation Shock from a high on 11/30/2022. A -49.2% loss requires a 97.0% gain to breakeven.
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About Hanmi Financial (HAFC)
Hanmi Financial Corporation operates as the holding company for Hanmi Bank that provides business banking products and services in the United States. The company offers various deposit products, including noninterest-bearing checking accounts, interest-bearing checking and savings accounts, negotiable order of withdrawal accounts, money market accounts, and certificates of deposit. It also provides real estate loans, such as commercial property, construction, and residential property loans; and commercial and industrial loans, such as commercial term loans and commercial lines of credit, as well as international finance, and trade services and products comprising letters of credit, and import and export financing. In addition, the company offers consumer loans, secured and unsecured loans, home equity loans, residential mortgages, and credit cards; SBA and trade finance lending to small and middle market businesses; and small business administration loans for business purposes, which comprise owner-occupied commercial real estate, business acquisitions, start-ups, franchise financing, working capital, improvements and renovations, inventory and equipment, and debt-refinancing, as well as equipment lease financing. As of February 28, 2022, it operated a network of 35 full-service branches and 8 loan production offices in California, Texas, Illinois, Virginia, New Jersey, New York, Colorado, Washington, and Georgia. The company was founded in 1982 and is headquartered in Los Angeles, California.
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A JPMorgan Chase for local communities and small businesses.
A regional Bank of America, focused on diverse businesses.
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- Deposit Services: Hanmi Financial offers a variety of checking, savings, money market, and certificate of deposit accounts for both personal and business customers.
- Commercial Real Estate (CRE) Loans: The company provides financing for the acquisition, refinancing, and construction of income-producing commercial properties.
- Commercial and Industrial (C&I) Loans: Hanmi Financial offers loans and lines of credit to businesses for working capital, equipment financing, and other operational needs.
- Small Business Administration (SBA) Loans: The bank facilitates government-guaranteed SBA loans to support the financing needs of small businesses.
- Treasury Management Services: For business clients, these services include cash management solutions such as remote deposit, Automated Clearing House (ACH) transactions, and wire transfers.
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Hanmi Financial (HAFC) Major Customers
Hanmi Financial (HAFC) is a financial institution, primarily a bank, and as such, it serves a diverse customer base rather than having a few "major customers" in the traditional sense of a supplier-customer relationship. Its business model involves providing banking products and services to a broad array of depositors and borrowers. The company primarily sells to individuals and businesses. The major categories of customers it serves include:- Individuals and Consumers: This category includes individuals and households who utilize the bank's services for personal checking and savings accounts, mortgages, home equity lines of credit, and other consumer loans.
- Small to Medium-sized Businesses (SMBs): Hanmi Financial provides a range of commercial banking products and services to SMBs. This includes commercial and industrial (C&I) loans, lines of credit, business checking and savings accounts, treasury management services, and other financial solutions tailored to help businesses grow and manage their finances.
- Commercial Real Estate (CRE) Investors and Developers: A significant portion of Hanmi Financial's loan portfolio is dedicated to financing commercial real estate. This category includes investors and developers seeking financing for income-producing properties such as multifamily residential, retail, office, industrial, and other commercial properties.
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Bonita I. Lee, President and Chief Executive Officer Ms. Lee has served as the President and Chief Executive Officer of Hanmi Financial Corporation since May 2019. Prior to her promotion, she was Senior Executive Vice President and Chief Operating Officer of Hanmi and Hanmi Bank since August 2013, and was promoted to President in June 2018. Before joining Hanmi, Ms. Lee was Senior Executive Vice President and Chief Operating Officer of BBCN Bank and BBCN Bancorp, Inc., where she was named Acting President and Chief Operating Officer during a management transition period from February 2013 to April 2013. She also served as director and Regional President of the Western Region for Shinhan Bank America from September 2008 to March 2009, and as Executive Vice President and Chief Credit Officer at Nara Bank from April 2005 to September 2008. She held the role of Senior Vice President and Chief Credit Officer at Nara Bank from November 2003 to April 2005. Romolo C. Santarosa, Senior Executive Vice President and Chief Financial Officer Mr. Santarosa has served as Senior Executive Vice President and Chief Financial Officer of Hanmi and Hanmi Bank since November 2015. He brings over 30 years of experience in banking and financial services. Before his tenure with Hanmi, he served as Executive Vice President and Chief Operating Officer at Opus Bank from June 2013. Prior to Opus Bank, Mr. Santarosa was the Senior Executive Vice President, Chief Financial Officer, and Chief Operating Officer at First California Financial Group, Inc. and its subsidiary, First California Bank, from November 2002 to May 2013. He previously held leadership positions with several financial institutions and worked as an Audit Senior Manager with Price Waterhouse. Anthony Kim, Senior Executive Vice President and Chief Banking Officer Mr. Kim has served as Senior Executive Vice President and Chief Banking Officer since 2023, having previously been Executive Vice President and Chief Banking Officer since 2020. He joined Hanmi Bank in September 2013 as Executive Vice President and Chief Lending Officer. Prior to joining Hanmi, Mr. Kim was Senior Vice President and District Manager at BBCN Bank for five years. He has over 25 years of banking experience, specializing in commercial and retail banking. Michael Du, Executive Vice President and Chief Risk Officer Mr. Du holds the position of Executive Vice President and Chief Risk Officer. Matthew D. Fuhr, Executive Vice President and Chief Credit Officer Mr. Fuhr serves as Executive Vice President and Chief Credit Officer of Hanmi Bank.AI Analysis | Feedback
The key risks to Hanmi Financial (HAFC) primarily revolve around the sensitive nature of its banking operations to external economic and regulatory factors.
- Interest Rate Fluctuations and Monetary Policy: Hanmi Financial's performance is significantly influenced by the monetary policies and regulations set by the Federal Reserve Board. Shifts in these policies, particularly regarding interest rates, directly impact the rates for loans and deposits, thereby affecting the bank's revenues and overall financial stability. Fluctuations in interest rates can reduce profit margins and yields, influence the level of loan originations, and alter the cost of attracting and retaining deposits.
- Credit Quality and General Economic Conditions: As a financial institution that specializes in various types of lending, Hanmi Financial is exposed to risks associated with the credit quality of its loan portfolio. General economic and business conditions, including potential recessionary conditions, can directly impact the financial performance and ability of borrowers to repay their loans. This, in turn, affects the bank's credit loss expense and overall profitability.
- Maintaining Adequate Capital and Liquidity: A crucial risk factor for Hanmi Financial is the potential failure to maintain adequate levels of capital and liquidity necessary to support its operations. This is fundamental to a bank's stability and its capacity to absorb losses and fund its operations.
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The rapid proliferation and increasing sophistication of fintech companies and neobanks offering digital-first banking services. These entities leverage technology to provide more convenient, often lower-cost, and user-friendly alternatives to traditional banking. They pose a clear emerging threat by attracting customers, particularly younger generations and tech-savvy small businesses, who prioritize digital accessibility and efficiency over traditional branch-based relationships. This erodes the market share and competitive advantage of traditional banks like HAFC, which rely more on physical presence and established customer relationships.
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Hanmi Financial Corporation (HAFC) primarily offers business banking products and services, including various types of loans and deposit products, within the United States. Its operations span multiple states, such as California, Texas, Illinois, Virginia, New Jersey, New York, Colorado, Washington, and Georgia.
The addressable markets for Hanmi Financial's main loan products in the U.S. are sized as follows:
- Commercial Banking Market (U.S.): The market size of the Commercial Banking industry in the United States is estimated at approximately $1.6 trillion in 2025. Other estimates for the US commercial banking market indicate a size of $732.5 billion in 2025, forecasted to reach $915.45 billion by 2030. Another source estimates the US Commercial Banking Market size at $226.44 billion in 2024, expected to reach $269.28 billion by 2029.
- Real Estate Loan Market (U.S.): The U.S. Real Estate Loan Market was valued at $3.5 trillion in 2024 and is projected to grow at a CAGR of 10.6%. Separately, the commercial real estate (CRE) mortgage market for income-producing properties in the U.S. is roughly $4.5 trillion, with an additional $470 billion in construction loans. The U.S. home loan market alone reached $2.29 trillion in 2025 and is forecasted to grow to $3.02 trillion by 2030.
- Small Business Loan Market (U.S.): The U.S. small business loan market was valued at $245.39 billion in 2023 and is projected to reach $349.64 billion by 2033. The total estimated value of the small business lending market in the U.S. was approximately $1.4 trillion in 2019.
Information to precisely size the markets for other services like equipment lease financing, international finance and trade services, consumer loans, and deposit products specifically in the U.S. as distinct addressable markets was not available in the search results.
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Hanmi Financial (HAFC) is expected to drive future revenue growth over the next two to three years through several key initiatives and market dynamics:
- Loan Portfolio Expansion: Hanmi Financial anticipates achieving mid-single-digit loan growth, an increase from previous forecasts. This growth is expected to be driven by the strategic scaling of its Commercial & Industrial (C&I), residential, and Small Business Administration (SBA) loan portfolios. The company's focus on these diversified loan categories aims to broaden its lending activities and capitalize on various market segments.
- Strategic Market Expansion: The company is actively pursuing strategic expansion into new markets and strengthening existing relationships within key markets. This geographic expansion is complemented by initiatives like the opening of new branches, such as one in Duluth, Georgia, as part of the Atlanta metropolitan market, to build new customer relationships and deepen existing ones.
- Broadening Core Deposit Base: A significant driver of future revenue growth involves broadening Hanmi's core deposit base. Efforts to grow deposits are linked to a relationship-based model and the acquisition of new commercial accounts. A stronger and broader deposit base provides a stable and lower-cost funding source for lending activities, thereby positively impacting net interest income.
- USKC Initiative: The ongoing USKC (U.S.-Korea Connection) initiative is highlighted as a long-term growth opportunity. This initiative aims to facilitate expansion into the U.S. market for Korean subsidiaries, contributing significantly to both loan and deposit growth for Hanmi Financial. The USKC loan portfolio has remained stable, while deposits from this initiative have shown significant increases.
- Digital Platform Investments and Operational Efficiency: Ongoing investments in digital platforms and disciplined expense management are expected to further boost efficiency and support higher net margins over the next three years. Margin expansion is anticipated to reach 30.1% within three years, suggesting continuing operating leverage as revenue grows. These operational improvements contribute to increased profitability, which in turn supports overall revenue generation.
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Share Repurchases
- On April 25, 2024, Hanmi Financial's Board of Directors authorized a new stock repurchase program, allowing the buyback of up to 5% of its outstanding shares, equating to approximately 1.5 million shares.
- In the third quarter of 2025, Hanmi repurchased 199,698 common shares at a weighted average price of $23.45, totaling $4.7 million. As of September 30, 2025, 910,802 shares remained authorized for repurchase under the program.
- Since April 2024, the company repurchased 589,198 shares for $12.21 million.
Share Issuance
- No significant share issuances were identified in the available information for the last 3-5 years. The number of outstanding shares decreased from approximately 30.5 million as of February 22, 2023, to approximately 29.9 million as of October 30, 2025, indicating a net reduction primarily due to share repurchases.
Inbound Investments
- Y Intercept Hong Kong Ltd acquired a new stake in Hanmi Financial in the second quarter of 2025, purchasing 47,830 shares valued at approximately $1,180,000. This represents about 0.16% of the company's stock.
Capital Expenditures
- In 2024, Hanmi consolidated three branches (one in California and two in Texas) as part of an ongoing branch network reconfiguration program that began in late 2023. This initiative resulted in cost savings and contributed to loan and deposit growth.
- The company is investing in technology-driven solutions to strengthen its foundation for sustainable growth and deliver value to stakeholders.
- Hanmi plans to continue investments in commercial lending teams, the USKC initiative, and expansion into new markets to drive future growth.
Latest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| Hanmi Financial Stock Fell 8.9% in a Month, What Now? | 10/17/2025 | |
| Hanmi Financial (HAFC) Operating Cash Flow Comparison | 02/17/2025 | |
| Hanmi Financial (HAFC) Net Income Comparison | 02/15/2025 |
| Title | |
|---|---|
| ARTICLES |
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Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 37.38 |
| Mkt Cap | 1.3 |
| Rev LTM | 376 |
| Op Inc LTM | - |
| FCF LTM | 146 |
| FCF 3Y Avg | 202 |
| CFO LTM | 153 |
| CFO 3Y Avg | 209 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 7.4% |
| Rev Chg 3Y Avg | 2.6% |
| Rev Chg Q | 19.6% |
| QoQ Delta Rev Chg LTM | 4.6% |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 44.4% |
| CFO/Rev 3Y Avg | 48.1% |
| FCF/Rev LTM | 44.3% |
| FCF/Rev 3Y Avg | 46.7% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 1.3 |
| P/S | 3.4 |
| P/EBIT | - |
| P/E | 10.7 |
| P/CFO | 9.8 |
| Total Yield | 12.9% |
| Dividend Yield | 3.7% |
| FCF Yield 3Y Avg | 14.9% |
| D/E | 0.2 |
| Net D/E | -0.5 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | -0.9% |
| 3M Rtn | 6.3% |
| 6M Rtn | 10.3% |
| 12M Rtn | 11.0% |
| 3Y Rtn | 30.0% |
| 1M Excs Rtn | -3.0% |
| 3M Excs Rtn | 3.0% |
| 6M Excs Rtn | -1.2% |
| 12M Excs Rtn | -6.0% |
| 3Y Excs Rtn | -43.1% |
Price Behavior
Price Behavior
| Market Price | $24.77 | |
| Market Cap ($ Bil) | 0.7 | |
| First Trading Date | 05/09/1997 | |
| Distance from 52W High | -16.2% | |
| 50 Days | 200 Days | |
| DMA Price | $27.94 | $24.91 |
| DMA Trend | up | up |
| Distance from DMA | -11.4% | -0.6% |
| 3M | 1YR | |
| Volatility | 35.3% | 34.0% |
| Downside Capture | 133.37 | 84.02 |
| Upside Capture | 76.96 | 83.80 |
| Correlation (SPY) | 38.2% | 46.1% |
HAFC Betas & Captures as of 12/31/2025
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.07 | 0.62 | 0.74 | 0.92 | 0.75 | 1.01 |
| Up Beta | 1.05 | 0.96 | 1.33 | 1.40 | 0.61 | 0.99 |
| Down Beta | -0.65 | 0.10 | 0.95 | 0.73 | 0.88 | 0.90 |
| Up Capture | -2% | 82% | 73% | 81% | 75% | 101% |
| Bmk +ve Days | 11 | 23 | 37 | 72 | 143 | 431 |
| Stock +ve Days | 7 | 16 | 28 | 61 | 125 | 371 |
| Down Capture | 45% | 64% | 30% | 86% | 84% | 104% |
| Bmk -ve Days | 11 | 18 | 27 | 55 | 108 | 320 |
| Stock -ve Days | 15 | 24 | 35 | 64 | 124 | 374 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with HAFC | |
|---|---|---|---|---|
| HAFC | 12.5% | 34.0% | 0.39 | - |
| Sector ETF (XLF) | 4.2% | 19.0% | 0.09 | 50.5% |
| Equity (SPY) | 17.1% | 19.3% | 0.69 | 42.6% |
| Gold (GLD) | 97.2% | 20.8% | 3.18 | -11.0% |
| Commodities (DBC) | 13.8% | 15.4% | 0.64 | 11.8% |
| Real Estate (VNQ) | 1.2% | 16.5% | -0.10 | 39.0% |
| Bitcoin (BTCUSD) | -12.7% | 39.6% | -0.25 | 21.1% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with HAFC | |
|---|---|---|---|---|
| HAFC | 20.1% | 35.3% | 0.60 | - |
| Sector ETF (XLF) | 13.5% | 18.8% | 0.59 | 62.2% |
| Equity (SPY) | 14.1% | 17.1% | 0.66 | 45.0% |
| Gold (GLD) | 23.2% | 15.8% | 1.19 | -2.2% |
| Commodities (DBC) | 12.6% | 18.8% | 0.54 | 13.7% |
| Real Estate (VNQ) | 4.7% | 18.8% | 0.16 | 44.3% |
| Bitcoin (BTCUSD) | 23.7% | 57.6% | 0.60 | 18.6% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with HAFC | |
|---|---|---|---|---|
| HAFC | 6.1% | 39.4% | 0.28 | - |
| Sector ETF (XLF) | 14.1% | 22.2% | 0.58 | 68.2% |
| Equity (SPY) | 16.0% | 17.9% | 0.77 | 50.5% |
| Gold (GLD) | 16.8% | 14.9% | 0.94 | -7.6% |
| Commodities (DBC) | 9.2% | 17.6% | 0.43 | 19.5% |
| Real Estate (VNQ) | 6.1% | 20.8% | 0.26 | 47.2% |
| Bitcoin (BTCUSD) | 70.9% | 66.5% | 1.10 | 13.6% |
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Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 1/27/2026 | |||
| 10/21/2025 | 8.2% | 12.9% | 8.5% |
| 7/22/2025 | -11.3% | -10.3% | -7.7% |
| 4/22/2025 | 3.4% | 2.8% | 3.5% |
| 1/28/2025 | 7.2% | 7.0% | 4.4% |
| 10/22/2024 | 7.1% | 13.9% | 27.3% |
| 7/23/2024 | -6.2% | -3.1% | -8.4% |
| 4/23/2024 | -3.2% | -2.2% | 4.5% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 13 | 15 | 15 |
| # Negative | 11 | 9 | 9 |
| Median Positive | 5.5% | 6.0% | 8.4% |
| Median Negative | -6.6% | -6.4% | -8.4% |
| Max Positive | 8.2% | 18.9% | 43.2% |
| Max Negative | -14.3% | -23.8% | -24.2% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 09/30/2025 | 11/07/2025 | 10-Q |
| 06/30/2025 | 08/08/2025 | 10-Q |
| 03/31/2025 | 05/09/2025 | 10-Q |
| 12/31/2024 | 02/28/2025 | 10-K |
| 09/30/2024 | 11/04/2024 | 10-Q |
| 06/30/2024 | 08/06/2024 | 10-Q |
| 03/31/2024 | 05/03/2024 | 10-Q |
| 12/31/2023 | 02/29/2024 | 10-K |
| 09/30/2023 | 11/08/2023 | 10-Q |
| 06/30/2023 | 08/08/2023 | 10-Q |
| 03/31/2023 | 05/08/2023 | 10-Q |
| 12/31/2022 | 02/28/2023 | 10-K |
| 09/30/2022 | 11/09/2022 | 10-Q |
| 06/30/2022 | 08/09/2022 | 10-Q |
| 03/31/2022 | 05/09/2022 | 10-Q |
| 12/31/2021 | 02/28/2022 | 10-K |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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