Should I Buy HAFC? HAFC 2026 Analysis

Should You Buy Hanmi Financial Corp (HAFC) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Hold

Latest Price

28.090

1 Day change

0.46%

52 Week Range

30.200

Analysis Updated At

2026/02/04

Should I buy Analysis is updated weekly. For real time "Should I Buy" analysis, please sign up to get free answers.

Not a good buy right now at ~$27.9 for an impatient entry: price is sitting near the pivot with no momentum signal (MACD still negative) and limited technical edge.
Near-term setup is more “range trade” than breakout: upside levels are clear (R1 ~$29.61), but the trend indicators don’t support a high-conviction chase.
Fundamentals/news are constructive (dividend hike + expanded buyback, strong YoY growth), but the latest quarter also showed slight QoQ earnings slippage and the analyst is trimming 2026 EPS—this reduces urgency to buy immediately.

Intellectia Proprietary Trading Signals

AI Stock Picker: no signal on given stock today.
SwingMax: No signal on given stock recently.

Technical Analysis

Trend/Momentum: MACD histogram -0.0929 (below zero) and only “negatively contracting” → bearish momentum is fading, but not reversed into a bullish signal yet.
RSI: RSI(6) = 54.78 → neutral; not oversold (no forced bounce signal) and not overbought.
Moving Averages: Converging MAs → consolidation/indecision; typically a “wait for direction” regime rather than an immediate buy.
Key levels: Pivot ~27.45 (price ~27.9 slightly above), Resistance R1 ~29.61 then R2 ~30.95; Support S1 ~25.29 then S2 ~23.95.
Pattern-based short-term odds: model suggests mild upside next day (~+1.2%) but weak/flat next week and negative bias over the next month (-3.19%) → not an attractive timing profile for a quick entry.

Options Data

Bullish

Open Interest Put-Call Ratio

Bullish

Option Volume Put-Call Ratio

Sentiment (Open Interest): Put/Call OI ratio 0.34 (puts relatively light vs calls) → modestly bullish positioning.
Trading activity: options volume is effectively 0 today → the OI signal exists, but there’s no confirming “real-time” flow.
Volatility: IV30 ~54.31 vs HV ~52.04 (IV slightly above realized) and IV percentile ~23 / IV rank ~15.7 → implied vol is relatively low vs its own history, not signaling market stress or a big catalyst being priced in.
Liquidity note: very small open interest (calls 41, puts 14) suggests options-derived sentiment should be weighted lightly.

Technical Summary

Sell

Buy

Positive Catalysts

- Capital return tailwind: dividend raised to $0.28 (+3.7%) and buyback authorization expanded (~2.3M shares) → supportive for downside cushion and per-share metrics.
- Earnings quality YoY: Q4 2025 showed strong year-over-year growth in revenue, net income, and EPS.
- Street view: Piper Sandler reiterates Overweight and raised PT to $34 → implies meaningful upside from ~$27.9 if execution holds.
- Net interest income grew +2.9% QoQ in Q4 2025 (a positive within the quarter), even as overall net income dipped slightly QoQ.

Neutral/Negative Catalysts

- Earnings/credit caution: Piper trimmed 2026 EPS (softer net interest income + higher loan-loss provisions expected) → caps multiple expansion near term.
- Latest quarter momentum: Q4 2025 net income down 3.7% QoQ (sequential softening).
- Technicals are not “go” yet: MACD remains below zero and MAs are converging (range-bound conditions).
- Low options volume/participation today → no sign of a strong risk-on catalyst bid.
- Hedge fund / insider activity: both neutral recently → no strong “smart money” confirmation.

Financial Performance

Latest quarter: 2025/Q4.
Growth (YoY): Revenue $68.6M (+15.38% YoY), Net income $21.239M (+21.07% YoY), EPS $0.71 (+22.41% YoY) → solid year-over-year operating performance.
Sequential (QoQ) highlights from news: Net income -3.7% QoQ (soft), Net interest income +2.9% QoQ to $62.9M (better).
Shareholder returns: dividend increased and repurchase capacity expanded, which can support EPS and total return even in slower quarters.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Most recent action (2026-02-02): Piper Sandler (Matthew Clark) maintained Overweight and raised price target to $34 from $33.
Rationale: slightly above-peer target justified by better profitability outlook.
Caveat: 2026 EPS estimate trimmed to $3.10 from $3.15 due to softer NII and higher loan-loss provisions, partly offset by a more active buyback.
Wall Street pros/cons snapshot: Pros—profitability outlook + capital return (buybacks/dividend). Cons—net interest income pressure and higher LLP expectations can restrain near-term upside.

2 Analyst Rating

Wall Street analysts forecast HAFC stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for HAFC is 31.75 USD with a low forecast of 30.5 USD and a high forecast of 33 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

1 Buy

1 Hold

0 Sell

Moderate Buy

Current: 27.960

Low

30.5

Averages

31.75

High

Current: 27.960

Low

30.5

Averages

31.75

High

Piper Sandler

Matthew Clark

Overweight

maintain

$33 -> $34

AI Analysis

2026-02-02

Reason

Piper Sandler

Matthew Clark

Price Target

$33 -> $34

AI Analysis

2026-02-02

maintain

Overweight

Reason

Piper Sandler analyst Matthew Clark raised the firm's price target on Hanmi Financial to $34 from $33 and keeps an Overweight rating on the shares. The firm notes its price target is modestly above similar peers, partially based on its better profitability outlook. Piper is trimming its 2026 EPS estimate to $3.10 from $3.15 based on softer net interest income and higher LLP expectations partially offset by a more active buyback.

Keefe Bruyette

Kelly Motta

Market Perform

maintain

$29

2025-10-22

Reason

Keefe Bruyette

Kelly Motta

Price Target

$29

2025-10-22

maintain

Market Perform

Reason

Keefe Bruyette analyst Kelly Motta raised the firm's price target on Hanmi Financial to $30.50 from $29 and keeps a Market Perform rating on the shares. Hanmi Financial easily beat expectations due to better-than-expected margin improvement and loan momentum, the analyst tells investors in a research note.

Unlock Full Analyst Thesis， Get the complete breakdown of rating reason for HAFC

Unlock Now

HAFC Should I Buy

HAFC Should I Buy

Should You Buy Hanmi Financial Corp (HAFC) Today? Analysis, Price Targets, and 2026 Outlook.

Technical Analysis

Options Data

Technical Summary

Positive Catalysts

Neutral/Negative Catalysts

Financial Performance

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

People Also Watch