Top 3 Financial Stocks You May Want To Dump This Quarter
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jul 03 2025
0mins
Should l Buy HAFC?
Source: Benzinga
Overbought Stocks in Financial Sector: As of July 3, 2025, LendingClub Corp, Hanmi Financial Corp, and Texas Community Bancshares Inc are identified as overbought stocks with high RSI values, indicating potential caution for momentum-focused investors.
Recent Performance Highlights: LendingClub reported strong quarterly sales growth, Hanmi Financial achieved net interest margin expansion, and Texas Community Bancshares announced a cash dividend, contributing to their recent stock price increases.
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Analyst Views on HAFC
Wall Street analysts forecast HAFC stock price to rise
2 Analyst Rating
1 Buy
1 Hold
0 Sell
Moderate Buy
Current: 26.350
Low
30.50
Averages
31.75
High
33.00
Current: 26.350
Low
30.50
Averages
31.75
High
33.00
About HAFC
Hanmi Financial Corporation is a holding company of Hanmi Bank (the Bank). The Bank serves multi-ethnic communities through its network of approximately 32 full-service branches, five loan production offices and three loan centers in California, Texas, Illinois, Virginia, New Jersey, New York, Colorado, Washington and Georgia. The Bank is a California state-chartered financial institution. It specializes in real estate, commercial, small business administration (SBA) and trade finance lending to small and middle market businesses. The Bank originates loans for its own portfolio and for sale in the secondary market. Its lending activities include real estate loans (commercial property, construction, and residential property), commercial and industrial loans (commercial term, commercial lines of credit and international), equipment lease financing and SBA loans. It maintains a small construction portfolio of multifamily and commercial and industrial properties within its market areas.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Hanmi Financial Declares Increased Quarterly Dividend
- Dividend Increase: Hanmi Financial declared a quarterly dividend of $0.28 per share, reflecting a 3.7% increase from the previous $0.27, indicating ongoing improvements in cash flow and profitability, which is expected to boost investor confidence and attract more shareholders.
- Dividend Yield: The forward yield of 4.52% not only provides a substantial return for investors but also reflects the company's financial stability in the current economic environment, enhancing market attractiveness for its stock.
- Share Repurchase Expansion: The company expanded its existing share repurchase authorization by 1.5 million shares to approximately 2.3 million shares in total, aiming to enhance shareholder value by reducing the share count and demonstrating management's confidence in the company's future performance.
- Future Outlook: Hanmi Financial outlines a strategy for low to mid-single-digit loan growth and deposit expansion for 2026, indicating its proactive approach to market challenges and aiming to improve overall financial performance through robust growth strategies.
See More
Hanmi Financial Reports Q4 2025 Earnings Highlights
- Net Income Performance: Hanmi Financial reported a net income of $21.2 million for Q4 2025, translating to $0.70 per diluted share, which reflects a 3.7% decline from the previous quarter primarily due to decreased noninterest income, indicating challenges in revenue diversification.
- Interest Income Growth: The net interest income for the fourth quarter grew by 2.9% to $62.9 million, with the net interest margin expanding to 3.28%, demonstrating effective management of interest income through lower funding costs and increased loan balances.
- Stable Asset Quality: Credit loss expenses decreased to $1.9 million, with a nonperforming asset ratio of only 0.26%, showcasing the company's effective asset quality management despite competitive pressures, maintaining robust credit monitoring practices.
- 2026 Outlook: Management anticipates loan growth in 2026 to remain in the low to mid-single-digit range, emphasizing further diversification of the loan portfolio and a stable funding mix to navigate market competition and cost pressures.
See More
Hanmi Financial Q4 Earnings Report Analysis
- Earnings Per Share: Hanmi Financial reported a Q4 GAAP EPS of $0.70, aligning with market expectations, indicating stability in the company's profitability.
- Revenue Growth: The company achieved Q4 revenue of $71.18 million, reflecting a 17.1% year-over-year increase, although it fell short of analyst expectations, highlighting growth potential but also challenges ahead.
- Market Reaction Analysis: Despite the revenue miss, the stable EPS may help maintain investor confidence in the short term, potentially reducing stock price volatility risks.
- Future Outlook: Following a disappointing Q2, the company is focused on advancing its business development, with potential strategies to enhance performance through operational optimization and market strategies.
See More
Hanmi Financial Reports Q4 Earnings Growth
- Earnings Growth: Hanmi Financial's Q4 net income reached $21.23 million, translating to an EPS of $0.70, which marks a significant increase from last year's $17.69 million and $0.58 per share, indicating enhanced profitability.
- Revenue Increase: The company's revenue rose by 5.0% in Q4, climbing from $100.11 million to $105.11 million year-over-year, reflecting stable business growth and a rebound in market demand.
- Financial Health: The growth in earnings and revenue underscores Hanmi Financial's solid financial health in a competitive financial market, bolstering investor confidence.
- Future Outlook: With continued growth in revenue and earnings, Hanmi Financial is positioned to further expand its market share and enhance shareholder value in the future.
See More
Hanmi Financial to Report Q4 2025 Results on January 27, 2026
- Earnings Report Schedule: Hanmi Financial Corporation will release its fourth quarter 2025 financial results after market close on January 27, 2026, providing investors with critical financial data and business performance insights.
- Conference Call Invitation: Management will host a conference call on the same day at 2:00 p.m. Pacific Time (5:00 p.m. Eastern Time), inviting investment professionals and current and prospective shareholders to discuss the financial results further.
- Dial-in Information: Participants must dial 1-877-407-9039 before 2:00 p.m. Pacific Time and use access code “Hanmi Bank” to join the call, ensuring timely information access for investors.
- Webcast Replay: A replay of the call will be available approximately one hour after its conclusion on Hanmi's website, enhancing information transparency for investors who could not attend the live session.
See More
Hanmi Financial (HAFC) Receives Strong Buy Upgrade: Implications for the Stock
Zacks Rank Upgrade: Hanmi Financial (HAFC) has been upgraded to a Zacks Rank #1 (Strong Buy) due to a positive trend in earnings estimates, indicating a favorable outlook for the company's stock price.
Earnings Estimate Revisions: The Zacks Consensus Estimate for Hanmi Financial has increased by 5.4% over the past three months, reflecting analysts' growing confidence in the company's earnings potential.
Investment Strategy: The Zacks rating system, which maintains a balanced approach to stock ratings, suggests that Hanmi Financial is among the top 5% of stocks based on earnings estimate revisions, making it a strong candidate for market-beating returns.
Future Projections: Analysts project that Hanmi Financial will earn $2.52 per share for the fiscal year ending December 2025, with no year-over-year change expected, but the positive earnings revisions could lead to stock price appreciation.
See More
Hanmi Financial Declares Increased Quarterly Dividend
- Dividend Increase: Hanmi Financial declared a quarterly dividend of $0.28 per share, reflecting a 3.7% increase from the previous $0.27, indicating ongoing improvements in cash flow and profitability, which is expected to boost investor confidence and attract more shareholders.
- Dividend Yield: The forward yield of 4.52% not only provides a substantial return for investors but also reflects the company's financial stability in the current economic environment, enhancing market attractiveness for its stock.
- Share Repurchase Expansion: The company expanded its existing share repurchase authorization by 1.5 million shares to approximately 2.3 million shares in total, aiming to enhance shareholder value by reducing the share count and demonstrating management's confidence in the company's future performance.
- Future Outlook: Hanmi Financial outlines a strategy for low to mid-single-digit loan growth and deposit expansion for 2026, indicating its proactive approach to market challenges and aiming to improve overall financial performance through robust growth strategies.
See More
Hanmi Financial Reports Q4 2025 Earnings Highlights
- Net Income Performance: Hanmi Financial reported a net income of $21.2 million for Q4 2025, translating to $0.70 per diluted share, which reflects a 3.7% decline from the previous quarter primarily due to decreased noninterest income, indicating challenges in revenue diversification.
- Interest Income Growth: The net interest income for the fourth quarter grew by 2.9% to $62.9 million, with the net interest margin expanding to 3.28%, demonstrating effective management of interest income through lower funding costs and increased loan balances.
- Stable Asset Quality: Credit loss expenses decreased to $1.9 million, with a nonperforming asset ratio of only 0.26%, showcasing the company's effective asset quality management despite competitive pressures, maintaining robust credit monitoring practices.
- 2026 Outlook: Management anticipates loan growth in 2026 to remain in the low to mid-single-digit range, emphasizing further diversification of the loan portfolio and a stable funding mix to navigate market competition and cost pressures.
See More
Hanmi Financial Q4 Earnings Report Analysis
- Earnings Per Share: Hanmi Financial reported a Q4 GAAP EPS of $0.70, aligning with market expectations, indicating stability in the company's profitability.
- Revenue Growth: The company achieved Q4 revenue of $71.18 million, reflecting a 17.1% year-over-year increase, although it fell short of analyst expectations, highlighting growth potential but also challenges ahead.
- Market Reaction Analysis: Despite the revenue miss, the stable EPS may help maintain investor confidence in the short term, potentially reducing stock price volatility risks.
- Future Outlook: Following a disappointing Q2, the company is focused on advancing its business development, with potential strategies to enhance performance through operational optimization and market strategies.
See More
Hanmi Financial Reports Q4 Earnings Growth
- Earnings Growth: Hanmi Financial's Q4 net income reached $21.23 million, translating to an EPS of $0.70, which marks a significant increase from last year's $17.69 million and $0.58 per share, indicating enhanced profitability.
- Revenue Increase: The company's revenue rose by 5.0% in Q4, climbing from $100.11 million to $105.11 million year-over-year, reflecting stable business growth and a rebound in market demand.
- Financial Health: The growth in earnings and revenue underscores Hanmi Financial's solid financial health in a competitive financial market, bolstering investor confidence.
- Future Outlook: With continued growth in revenue and earnings, Hanmi Financial is positioned to further expand its market share and enhance shareholder value in the future.
See More
Hanmi Financial to Report Q4 2025 Results on January 27, 2026
- Earnings Report Schedule: Hanmi Financial Corporation will release its fourth quarter 2025 financial results after market close on January 27, 2026, providing investors with critical financial data and business performance insights.
- Conference Call Invitation: Management will host a conference call on the same day at 2:00 p.m. Pacific Time (5:00 p.m. Eastern Time), inviting investment professionals and current and prospective shareholders to discuss the financial results further.
- Dial-in Information: Participants must dial 1-877-407-9039 before 2:00 p.m. Pacific Time and use access code “Hanmi Bank” to join the call, ensuring timely information access for investors.
- Webcast Replay: A replay of the call will be available approximately one hour after its conclusion on Hanmi's website, enhancing information transparency for investors who could not attend the live session.
See More
Hanmi Financial (HAFC) Receives Strong Buy Upgrade: Implications for the Stock
Zacks Rank Upgrade: Hanmi Financial (HAFC) has been upgraded to a Zacks Rank #1 (Strong Buy) due to a positive trend in earnings estimates, indicating a favorable outlook for the company's stock price.
Earnings Estimate Revisions: The Zacks Consensus Estimate for Hanmi Financial has increased by 5.4% over the past three months, reflecting analysts' growing confidence in the company's earnings potential.
Investment Strategy: The Zacks rating system, which maintains a balanced approach to stock ratings, suggests that Hanmi Financial is among the top 5% of stocks based on earnings estimate revisions, making it a strong candidate for market-beating returns.
Future Projections: Analysts project that Hanmi Financial will earn $2.52 per share for the fiscal year ending December 2025, with no year-over-year change expected, but the positive earnings revisions could lead to stock price appreciation.
See More
