Hanmi Financial Corp. Files Automatic Shelf Registration

TL;DR

Hanmi Financial Corp. just filed an S-3ASR, meaning they can now sell more stock whenever they want. Keep an eye on potential offerings.

AI Summary

Hanmi Financial Corp. filed an S-3ASR on April 3, 2026, for an automatic shelf registration statement. This filing allows the company, a well-known seasoned issuer, to register an unspecified amount of securities for future sale. The registration is effective immediately upon filing, indicating Hanmi Financial Corp.'s readiness to access capital markets.

Why It Matters

This filing allows Hanmi Financial Corp. to efficiently raise capital in the future without needing to file a new registration statement each time, streamlining their access to funding.

Risk Assessment

Risk Level: low — An S-3ASR filing is a routine procedural step for well-known seasoned issuers and does not inherently indicate increased risk.

Key Numbers

• 2026-04-03 — Filing Date (Date Hanmi Financial Corp. filed its S-3ASR.)

Key Players & Entities

• Hanmi Financial Corp. (company) — Filer of the S-3ASR
• 0001109242 (company) — CIK number for Hanmi Financial Corp.
• 2026-04-03 (date) — Filing and Effectiveness Date of the S-3ASR
• 333-294874 (document) — File number associated with the S-3ASR

FAQ

Key Financial Figures

• $7.87 b — posits and stockholders' equity totaled $7.87 billion, $6.49 billion, $6.68 billion and
• $6.49 b — kholders' equity totaled $7.87 billion, $6.49 billion, $6.68 billion and $796.4 million
• $6.68 billion — y totaled $7.87 billion, $6.49 billion, $6.68 billion and $796.4 million, respectively. 5
• $796.4 m — llion, $6.49 billion, $6.68 billion and $796.4 million, respectively. 5 Table of Con
• $0.001 — s of 62,500,000 shares of common stock, $0.001 par value, and 10,000,000 shares of pre

Filing Documents

• d106328ds3asr.htm (S-3ASR) — 259KB
• d106328dex46.htm (EX-4.6) — 366KB
• d106328dex47.htm (EX-4.7) — 365KB
• d106328dex51.htm (EX-5.1) — 15KB
• d106328dex231.htm (EX-23.1) — 2KB
• d106328dexfilingfees.htm (EX-FILING FEES) — 28KB
• g106328g00z01.jpg (GRAPHIC) — 44KB
• 0001193125-26-141834.txt ( ) — 1213KB
• d106328dexfilingfees_htm.xml (XML) — 11KB

USE OF PROCEEDS

USE OF PROCEEDS 7 SUMMARY OF THE SECURITIES WE MAY OFFER 8

DESCRIPTION OF CAPITAL STOCK

DESCRIPTION OF CAPITAL STOCK 9 DESCRIPTION OF DEPOSITARY SHARES 13 DESCRIPTION OF DEBT SECURITIES 16 PLAN OF DISTRIBUTION 25 LEGAL MATTERS 27 EXPERTS 28 Unless otherwise indicated or the context otherwise requires, all references in this prospectus to the "Company," "Hanmi Financial," "we," "our," "us" or similar terms refer to Hanmi Financial Corporation, together with its subsidiaries. References to the "Bank" mean Hanmi Bank. Table of Contents ABOUT THIS PROSPECTUS This prospectus is part of an automatic "shelf" registration statement on Form S-3 that we filed with the Securities and Exchange Commission (the "SEC") as a "well-known seasoned issuer" as defined in Rule 405 of the Securities Act of 1933, as amended (the "Securities Act"). By using an automatic shelf registration process we may sell, at any time and from time to time, in one or more offerings, any of the securities described in this prospectus up to an indeterminate total dollar amount. This prospectus provides you with a general description of the securities we may offer. Each time we sell securities, we will provide a prospectus supplement that will contain specific information about the terms of that offering. The accompanying prospectus supplement may also add, update or change information contained in this prospectus. References to the "applicable prospectus supplement" are to the prospectus supplement to this prospectus that describes the specific terms and conditions of the applicable security. You should read both this prospectus and the accompanying prospectus supplement together with additional information described under the heading "Where You Can Find More Information." This prospectus contains summaries of certain provisions contained in some of the documents described herein, but reference is made to the actual documents for complete information. All of the summaries are qualified in their entirety by the actual documents. Copies of some of the documents

RISK FACTORS

RISK FACTORS Investing in our securities involves risks. You should carefully consider the risks described under "Risk Factors" in our most recent Annual Report on Form 10-K and any subsequent Quarterly Reports on Form 10-Q, which descriptions are incorporated by reference herein, as well as the other information contained or incorporated by reference in this prospectus or in any prospectus supplement hereto before making a decision to invest in our securities. See "Where You Can Find More Information," above for information about how to obtain a copy of these documents. In addition to those risk factors, there may be additional risks and uncertainties of which management is not aware. Our business, financial condition or results of operations could be materially affected by any of these risks. The trading price of our securities could decline due to any of these risks, and you may lose all or part of your investment. You should also carefully consider the risks and other information that may be contained in, or incorporated by reference into, any prospectus supplement relating to specific offerings of our securities. 6 Table of Contents

USE OF PROCEEDS

USE OF PROCEEDS Unless otherwise set forth in a prospectus supplement with respect to the proceeds from the sale of the particular securities to which such prospectus supplement relates, we intend to use the net proceeds from the sale of the offered securities for general corporate purposes, which may include share repurchases, investments in the Bank, as regulatory capital or otherwise, ongoing operations, interest and dividend payments and possible acquisitions of businesses or assets. The precise amounts and the timing of our use of the net proceeds will depend upon market conditions, our subsidiaries' funding requirements, the availability of other funds and other factors. Until we use the net proceeds from the sale of any of our securities for general corporate purposes, we will use the net proceeds for temporary investments. We expect that we will, on a recurrent basis, engage in additional financings as the need arises to finance our corporate strategies, to fund our subsidiaries, to finance acquisitions or otherwise. The prospectus supplement with respect to an offering of any security may identify different or additional uses for the proceeds of that offering. 7 Table of Contents SUMMARY OF THE SECURITIES WE MAY OFFER The descriptions of the securities contained in this prospectus, together with the applicable prospectus supplements, summarize certain material terms and provisions of the various types of securities that we may offer. The particular material terms of the securities offered by a prospectus supplement will be described in that prospectus supplement. If indicated in the applicable prospectus supplement, the terms of the offered securities may differ from the terms summarized below. The prospectus supplement will also contain information, where applicable, about material U.S. federal income tax considerations relating to the offered securities, and the securities exchange, if any, on which the offered securities will be listed. The

DESCRIPTION OF CAPITAL STOCK

DESCRIPTION OF CAPITAL STOCK The following description of our capital stock, certain provisions of our certificate of incorporation and bylaws and certain provisions of Delaware law is a summary and is qualified in its entirety by reference to our certificate of incorporation, bylaws and the Delaware General Corporation Law (the "DGCL"). Copies of our certificate of incorporation and our bylaws have been filed with the SEC and are filed as exhibits to the registration statement of which this prospectus forms a part. General Our authorized capital consists of 62,500,000 shares of common stock, $0.001 par value, and 10,000,000 shares of preferred stock, $0.001 par value. All issued and outstanding shares are fully paid and non-assessable. As of April 1, 2026, there were 29,892,589 shares of common stock outstanding and no shares of preferred stock outstanding. Common stock The holders of common stock are entitled to one vote for each share held of record on all matters submitted to a vote of the stockholders. The holders of common stock are not entitled to cumulative voting rights with respect to the election of directors, and as a consequence, minority stockholders are not able to elect directors on the basis of their votes alone. Subject to preferences that may be applicable to any shares of preferred stock currently outstanding or issued in the future, holders of common stock are e

View Full Filing

View this S-3ASR filing on SEC EDGAR