Is HANMI FINANCIAL CORP (HAFC) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 43.5% | |
| Net Margin | 29.8% | |
| Return on Equity (ROE) | 10.0% | |
| Return on Assets (ROA) | 1.0% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $206M |
| Free Cash Flow | $204M |
| Total Debt | $280M |
| Total Assets | $7.9B |
Price & Trading
| Last Close | $26.33 |
| 50-Day MA | $26.81 |
| 200-Day MA | $25.93 |
| Avg Volume | 310K |
| Beta | 0.7 |
|
52-Week Range
$19.25
| |
About HANMI FINANCIAL CORP (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 deposit products, including noninterest-bearing checking, negotiable order of withdrawal, savings, and money market accounts, as well as certificates of deposit. It also provides real estate loans, such as commercial property, construction, and residential property loans; and commercial and industrial loans comprising commercial term loan, and commercial lines of credit and international; equipment lease financing; and international finance and trade services and products, including letters of credit, and import and export financing. In addition, the company offers small business administration loans for business purposes, such as owner-occupied commercial real estate, business acquisitions, start-ups, franchise financing, working capital, improvements and renovations, inventory and equipment, and debt-refinancing. Hanmi Financial Corporation was founded in 1982 and is based in Los Angeles, California.
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Frequently Asked Questions
Is HANMI FINANCIAL CORP (HAFC) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), HANMI FINANCIAL CORP is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is HANMI FINANCIAL CORP's debt ratio?
HANMI FINANCIAL CORP's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are HANMI FINANCIAL CORP's key financial metrics?
HANMI FINANCIAL CORP has a market capitalization of $776M, trailing P/E ratio of 10.3, and revenue of $270M. Return on equity stands at 10.0%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.