Hanmi Financial Corporation (HAFC) Fair Value 2026

HAFC · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

8.4 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (12/100)

Quick Summary — As of 2026-08-27, Hanmi Financial Corporation (HAFC) trades at $31.15, versus a $26.39 median fair value across its 6 active models — 15.3% below the current price. QOC: 8.4/10. Value Trap Risk: 12/100 (SAFE). 6/13 models active.

Key Facts

Ticker
HAFC
Price
$31.15
Quality Score
8.4/10
Value Trap Risk
12/100
Models Active
6/13
Last Updated
Strength: Quality Score of 8.4/10 indicates strong fundamentals
Risk: Majority of models suggest overvaluation

Is Hanmi Financial Corporation (HAFC) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, Hanmi Financial Corporation (HAFC) appears overvalued as of : the median of 6 independent fair value estimates is $26.39, 15.3% below the current price of $31.15. Estimates range from $17.69 to $51.82. HAFC scores 8.4/10 on fundamental quality and 12/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. HAFC’s -15.3% gap is narrower than that market norm, and the Banks - Regional sector median is -22.0%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Hanmi Financial Corporation Stock in 2026? →

What Fair Value Does Each Model Give HAFC?

6 Intrinsic Value Models vs. Current Price ($31.15)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $24.63 -20.9%
Ensemble · Medium Conviction
 $25.79 -17.2%
Intrinsic · High Conviction
 $17.69 -43.2%
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What Is HAFC's Fair Value Range?

Spread across 6 independent models · $17.69 to $51.82

CirclFi's 6 active models place Hanmi Financial Corporation (HAFC) between $17.69 and $51.82 per share, a spread of 129% of the median. The median of that range — $26.39 — is the fair value CirclFi publishes for HAFC, against a current price of $31.15.

Low · Markov DDMHigh · Regime Cross
$17.69median $26.39$51.82
Where the range comes from
Most bearish modelMarkov DDM$17.69
Most bullish modelRegime Cross-Sectional$51.82
Model agreement2 bullish · 4 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for HAFC. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on HAFC, not a CirclFi price target. How each model works →

What Is Hanmi Financial Corporation (HAFC) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Hanmi Financial Corporation's intrinsic value is estimated at a median fair value of $26.39. Trading at $31.15, the stock is approaching fair value or slight overvaluation (implied return of -15.3%), as 4 of 6 models suggest limited further upside. Notably, Regime Cross sees the most upside at +66.3% (fair value: $51.82), while Markov DDM is the most conservative at -43.2% ($17.69). The spread between these extremes — +109.5% — reveals how different analytical frameworks can reach starkly different conclusions.

What Do the Models Say About HAFC?

6 of 13 models are currently active for HAFC. Of these, 2 models suggest upside while 4 models suggest overvaluation. Taken together, their median fair value for HAFC is $26.39 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does HAFC Rank in Banks - Regional?

Among 349 Banks - Regional stocks, HAFC ranks #79 by Quality of Company score. CirclFi's QOC score of 8.4/10 evaluates 32 fundamental signals. A score of 8.4 places HAFC in the top tier.

See all Most Undervalued Banks - Regional Stocks →

The Banks - Regional sector introduces analytical considerations specific to financial institution businesses. For Hanmi Financial Corporation, metrics like return on tangible equity provide important context that general-purpose valuation models may underweight.

Is HAFC a Value Trap?

CirclFi's Value Trap algorithm assigns HAFC a score of 12/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for Hanmi Financial Corporation. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Deep Alpha Valuation Engine, Hanmi Financial Corporation scores 8.4 out of 10 on our 32-signal quality assessment, a strong rating that demonstrates strong fundamentals across the majority of our quality signals. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.

The gap between the most bullish and bearish model spans +109.5% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every HAFC valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across HAFC's 6 active models, average confidence is 44%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Hanmi Financial Corporation Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

FHBFirst Hawaiian, Inc.QOC 8.4EQBKEquity Bancshares, Inc.QOC 8.4GCBCGreene County Bancorp, Inc.QOC 8.4FRSTPrimis Financial Corp.QOC 8.4CLSTCatalyst Bancorp, Inc.QOC 8.4FUNCFirst United CorporationQOC 8.4BWBBridgewater Bancshares, Inc.QOC 8.0MYFWFirst Western Financial, Inc.QOC 7.5FBSIFirst Bancshares, Inc.QOC 5.1ESQEsquire Financial Holdings, Inc.QOC 9.1PEBOPeoples Bancorp Inc.QOC 9.1

Read investment analysis: FHB · EQBK · GCBC · FRST · CLST · FUNC · BWB · MYFW · FBSI · ESQ · PEBO

Which Other Stocks Have a Similar Quality Score to HAFC?

4 companies across all industries closest to HAFC’s Quality of Company score of 8.4/10.

ELVElevance Health, Inc.QOC 8.4WBWeibo CorporationQOC 8.4WMBThe Williams Companies, Inc.QOC 8.4NVDANVIDIA CorporationQOC 10.0

Read investment analysis: ELV · WB · WMB · NVDA

Where Does HAFC Sit in CirclFi's Banks - Regional Rankings?

HAFC is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Hanmi Financial Corporation’s Valuation?

What is Hanmi Financial Corporation's intrinsic value in 2026?

CirclFi puts Hanmi Financial Corporation (HAFC)'s intrinsic value at $26.39 — the median of 6 independent model estimates as of 2026-08-27, ranging from $17.69 to $51.82. The Quality of Company score is 8.4/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is HAFC overvalued or undervalued right now?

At $31.15, 2 of 6 active models suggest HAFC may be undervalued, while 4 indicate potential overvaluation. The median of all 6 fair value estimates is $26.39, 15.3% below the current price of $31.15 — a consensus view that HAFC is overvalued. The assessment depends on which methodology best fits Hanmi Financial Corporation's business model in Banks - Regional.

What does a Quality of Company score of 8.4 mean for HAFC?

Hanmi Financial Corporation's QOC of 8.4/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on HAFC?

CirclFi analyzes HAFC with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on HAFC?

Of the 6 models currently active on HAFC, Regime Cross-Sectional is the most bullish at $51.82 per share, and Markov DDM is the most bearish at $17.69. CirclFi's published fair value for HAFC is the median of that range, $26.39, not either extreme. The gap between the two ends equals 129% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is HAFC a value trap in 2026?

Hanmi Financial Corporation's Value Trap score is 12/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, Hanmi Financial Corporation (HAFC) has a median fair value of $26.39 — 15.3% below the current price of $31.15 — as of 2026-08-27.” Source: circlfi.com/stock/HAFC/ · Methodology
Primary sources for this HAFC valuation
  • Financial statements: Hanmi Financial Corporation 10-K and 10-Q filings on SEC EDGAR (CIK 0001109242) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for HAFC as of ; valuations recomputed .

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