Hanmi Financial Corporation Moves Ahead After Disappointing Q2
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Crimson And Gold Research196 FollowersFollow5ShareSavePlay(12min)CommentsSummaryHanmi Financial Corporation is rated Hold, balancing average profitability with some improving trends but notable loan concentration risks.HAFC’s $6.53B loan book is over 61% commercial real estate, with 65% of CRE exposure concentrated in California.USKC loans and deposits represent 14-15% of HAFC’s portfolio, exposing the bank to South Korean economic and trade risks.The 3.76% yield and stable dividend offer some downside cushion, but volatility and regional risks temper upside potential. JHVEPhoto/iStock Editorial via Getty Images The 2025 stock chart for Hanmi Financial Corporation (HAFC) has the look of a small roller coaster with the cart attempting to make one final climb to end the year. After trading in a relatively narrow price range since January, HAFCThis article was written byCrimson And Gold Research196 FollowersFollowI have been involved in the financial world for over 20 years with experience as an advisor, teacher, and writer. I am a full believer in the free-market system and that financial markets are efficient with most stocks reflecting their real current value. The best opportunities for profits on individual stocks come from stocks that are less-widely followed by the average investor or from stocks that may not accurately reflect the opportunities that currently exist in their markets.Analyst’s Disclosure:I/we have no stock, option or similar derivative position in any of the companies mentioned, and no plans to initiate any such positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article. Seeking Alpha's Disclosure: Past performance is no guarantee of future results. No recommendation or advice is being given as to whether any investment is suitable for a particular investor. Any views or opinions expressed above may not reflect those of Seeking Alpha as a whole. Seeking Alpha is not a licensed securities dealer, broker or US investment adviser or investment bank. Our analysts are third party authors that include both professional investors and individual investors who may not be licensed or certified by any institute or regulatory body.