Hanmi Financial (HAFC) Financials: Revenue & Earnings
HAFC$32.48+0.07 +0.21%
$962.97M
Market Cap
—
P/E
—
Forward P/E
—
Score
Hanmi Financial (HAFC) Financials: Revenue & Earnings
HAFC price $32.48 +0.07 +0.21%
- Ticker
- HAFC
- Price
- $32.48
- Change
- +0.07 +0.21%
- Market cap ?
- $962.97M
- Beta ?
- 0.74
- Sector
- Financial Services
- Industry
- Banks - Regional
Fair value
HAFC fair value Not meaningful. Price $32.48.
Fair value is an estimate of what one share is worth if future cash flows arrive as modeled. It is not a forecast of the share price. How discounted cash flow works.
No estimate. Cash-flow models don't suit banks
Earnings
| Date | EPS actual | EPS estimate | Revenue | Revenue estimate |
|---|---|---|---|---|
| 2027-01-26 | — | 0.83 | — | 76.92M |
| 2026-10-27 | 0.80 | 0.81 | 76.60M | 75.13M |
| 2026-07-21 | 0.79 | 0.77 | 72.20M | 74.03M |
| 2026-04-21 | 0.75 | 0.71 | 71.74M | 71.40M |
| 2026-01-27 | 0.70 | 0.71 | 71.18M | 71.40M |
| 2025-10-21 | 0.73 | 0.66 | 70.96M | 71.40M |
| 2025-07-22 | 0.50 | 0.62 | 65.61M | 67.80M |
| 2025-04-22 | 0.58 | 0.57 | 62.82M | 63.43M |
| 2025-01-28 | 0.58 | 0.53 | 60.81M | 61.57M |
| 2024-10-22 | 0.49 | 0.48 | 57.63M | 58.98M |
| 2024-07-23 | 0.48 | 0.47 | 56.68M | 58.70M |
| 2024-04-23 | 0.50 | 0.52 | 58.39M | 59.03M |
| 2024-01-23 | 0.61 | 0.59 | 59.82M | 63.15M |
| 2023-10-24 | 0.62 | 0.62 | 62.08M | 62.88M |
| 2023-07-25 | 0.67 | 0.65 | 61.41M | 64.10M |
| 2023-04-25 | 0.72 | 0.76 | 66.19M | 69.85M |
| 2023-01-24 | 0.93 | 0.83 | 72.02M | 73.40M |
| 2022-10-25 | 0.89 | 0.78 | 72.00M | 68.97M |
| 2022-07-26 | 0.82 | 0.67 | 68.35M | 63.75M |
| 2022-04-26 | 0.68 | 0.58 | 59.48M | 58.90M |
| 2022-01-25 | 1.09 | 0.60 | 58.79M | 40.19M |
| 2021-10-26 | 0.86 | 0.57 | 62.44M | 59.72M |
| 2021-07-27 | 0.72 | 0.48 | 58.38M | 56.77M |
| 2021-04-27 | 0.54 | 0.43 | 55.56M | 54.76M |
| 2021-01-26 | 0.47 | 0.35 | 54.28M | 53.27M |
| 2020-10-27 | 0.48 | 0.26 | 52.70M | 38.13M |
| 2020-07-28 | 0.30 | 0.14 | 65.37M | 27.87M |
| 2020-04-30 | 0.08 | 0.30 | 65.15M | 188.24M |
| 2020-01-28 | 0.10 | 0.44 | 67.41M | 80.80M |
| 2019-10-22 | 0.40 | 0.47 | 69.04M | 59.83M |
| 2019-10-04 | 0.09 | 0.18 | 67.98M | — |
| 2019-04-23 | 0.48 | 0.48 | 51.14M | 51.14M |
| 2019-01-15 | 0.46 | 0.51 | 51.95M | 57.04M |
| 2018-10-23 | 0.50 | 0.51 | 51.54M | 52.58M |
| 2018-07-24 | 0.48 | 0.53 | 51.06M | 56.38M |
| 2018-04-24 | 0.46 | 0.53 | 61.14M | 58.74M |
| 2018-01-23 | 0.48 | 0.48 | 54.02M | 54.02M |
| 2017-10-17 | 0.46 | 0.46 | 53.74M | 53.75M |
| 2017-07-18 | 0.45 | 0.45 | 52.88M | 52.88M |
| 2017-04-18 | 0.43 | 0.44 | 49.57M | 50.72M |
Dividends
Yield 3.42%. Payout ratio 36.40%. Frequency Quarterly.
Safety score 82/100 · Safe. Payout ratio is 36% of earnings. Free-cash-flow coverage is not available, so this part stays neutral. Dividends were paid in 20 separate years. Yield is 3.4%, in a range that is usually sustainable.
| Ex-date | Dividend | Record | Payment | Frequency |
|---|---|---|---|---|
| 2026-08-03 | $0.28 | 2026-08-03 | 2026-08-19 | Quarterly |
| 2026-05-04 | $0.28 | 2026-05-04 | 2026-05-20 | Quarterly |
| 2026-02-09 | $0.28 | 2026-02-09 | 2026-02-26 | Quarterly |
| 2025-11-04 | $0.27 | 2025-11-04 | 2025-11-20 | Quarterly |
| 2025-08-04 | $0.27 | 2025-08-04 | 2025-08-20 | Quarterly |
| 2025-05-05 | $0.27 | 2025-05-05 | 2025-05-21 | Quarterly |
| 2025-02-10 | $0.27 | 2025-02-10 | 2025-02-26 | Quarterly |
| 2024-11-04 | $0.25 | 2024-11-04 | 2024-11-20 | Quarterly |
| 2024-08-05 | $0.25 | 2024-08-05 | 2024-08-21 | Quarterly |
| 2024-05-03 | $0.25 | 2024-05-06 | 2024-05-22 | Quarterly |
| 2024-02-02 | $0.25 | 2024-02-05 | 2024-02-22 | Quarterly |
| 2023-11-03 | $0.25 | 2023-11-06 | 2023-11-22 | Quarterly |
| 2023-08-04 | $0.25 | 2023-08-07 | 2023-08-23 | Quarterly |
| 2023-05-05 | $0.25 | 2023-05-08 | 2023-05-24 | Quarterly |
| 2023-02-03 | $0.25 | 2023-02-06 | 2023-02-23 | Quarterly |
| 2022-11-04 | $0.25 | 2022-11-07 | 2022-11-23 | Quarterly |
| 2022-08-05 | $0.25 | 2022-08-08 | 2022-08-24 | Quarterly |
| 2022-05-06 | $0.22 | 2022-05-09 | 2022-05-25 | Quarterly |
| 2022-02-04 | $0.22 | 2022-02-07 | 2022-02-24 | Quarterly |
| 2021-11-05 | $0.20 | 2021-11-08 | 2021-11-24 | Quarterly |
| 2021-08-06 | $0.12 | 2021-08-09 | 2021-08-26 | Quarterly |
| 2021-05-07 | $0.12 | 2021-05-10 | 2021-05-27 | Quarterly |
| 2021-02-05 | $0.10 | 2021-02-08 | 2021-02-24 | Quarterly |
| 2020-11-13 | $0.08 | 2020-11-16 | 2020-11-30 | Quarterly |
| 2020-08-07 | $0.08 | 2020-08-10 | 2020-08-31 | Quarterly |
| 2020-05-08 | $0.12 | 2020-05-11 | 2020-05-29 | Quarterly |
| 2020-01-31 | $0.24 | 2020-02-03 | 2020-02-27 | Quarterly |
| 2019-11-01 | $0.24 | 2019-11-04 | 2019-11-27 | Quarterly |
| 2019-08-08 | $0.24 | 2019-08-09 | 2019-08-30 | Quarterly |
| 2019-05-03 | $0.24 | 2019-05-06 | 2019-05-31 | Quarterly |
| 2019-01-29 | $0.24 | 2019-01-30 | 2019-02-28 | Quarterly |
| 2018-11-01 | $0.24 | 2018-11-02 | 2018-11-26 | Quarterly |
| 2018-08-08 | $0.24 | 2018-08-09 | 2018-08-30 | Quarterly |
| 2018-05-04 | $0.24 | 2018-05-07 | 2018-05-29 | Quarterly |
| 2018-02-02 | $0.24 | 2018-02-05 | 2018-02-23 | Quarterly |
| 2017-10-27 | $0.21 | 2017-10-30 | 2017-11-20 | Quarterly |
| 2017-07-26 | $0.21 | 2017-07-28 | 2017-08-16 | Quarterly |
| 2017-05-04 | $0.19 | 2017-05-08 | 2017-05-24 | Quarterly |
| 2017-02-03 | $0.19 | 2017-02-07 | 2017-02-23 | Quarterly |
| 2016-11-04 | $0.19 | 2016-11-08 | 2016-11-23 | Quarterly |
| 2016-08-04 | $0.19 | 2016-08-08 | 2016-08-23 | Quarterly |
| 2016-06-14 | $0.14 | 2016-06-16 | 2016-06-30 | Quarterly |
| 2016-03-11 | $0.14 | 2016-03-15 | 2016-03-30 | Quarterly |
| 2015-12-29 | $0.14 | 2015-12-31 | 2016-01-15 | Quarterly |
| 2015-09-28 | $0.11 | 2015-09-30 | 2015-10-15 | Quarterly |
| 2015-06-26 | $0.11 | 2015-06-30 | 2015-07-15 | Quarterly |
| 2015-03-27 | $0.11 | 2015-03-31 | 2015-04-14 | Quarterly |
| 2014-12-29 | $0.07 | 2014-12-31 | 2015-01-15 | Quarterly |
| 2014-09-24 | $0.07 | 2014-09-26 | 2014-10-10 | Quarterly |
| 2014-06-26 | $0.07 | 2014-06-30 | 2014-07-14 | Quarterly |
| 2014-03-26 | $0.07 | 2014-03-28 | 2014-04-18 | Quarterly |
| 2013-12-05 | $0.07 | 2013-12-09 | 2013-12-23 | Quarterly |
| 2013-08-29 | $0.07 | 2013-09-03 | 2013-09-17 | Quarterly |
| 2008-07-02 | $0.24 | 2008-07-07 | 2008-07-21 | Quarterly |
| 2008-03-27 | $0.48 | 2008-03-31 | 2008-04-15 | Quarterly |
| 2007-12-27 | $0.48 | 2007-12-31 | 2008-01-14 | Quarterly |
| 2007-09-26 | $0.48 | 2007-09-28 | 2007-10-12 | Quarterly |
| 2007-06-27 | $0.48 | 2007-06-29 | 2007-07-13 | Quarterly |
| 2007-03-28 | $0.48 | 2007-03-30 | 2007-04-16 | Quarterly |
| 2006-12-27 | $0.48 | 2006-12-29 | 2007-01-12 | Quarterly |
| 2006-09-27 | $0.48 | 2006-09-29 | 2006-10-13 | Quarterly |
| 2006-06-29 | $0.48 | 2006-07-03 | 2006-07-17 | Quarterly |
| 2006-03-29 | $0.48 | 2006-04-01 | 2006-04-14 | Quarterly |
| 2005-12-29 | $0.40 | 2006-01-03 | 2006-01-17 | Quarterly |
| 2005-09-29 | $0.40 | 2005-10-03 | 2005-10-17 | Quarterly |
| 2005-06-29 | $0.40 | 2005-07-01 | 2005-07-19 | Quarterly |
| 2005-03-30 | $0.40 | 2005-04-01 | 2005-04-15 | Quarterly |
| 2004-12-30 | $0.40 | 2005-01-03 | 2005-01-17 | Quarterly |
| 2004-09-30 | $0.40 | 2004-10-04 | 2004-10-18 | Quarterly |
| 2004-06-29 | $0.40 | 2004-07-01 | 2004-07-15 | Quarterly |
| 2004-03-30 | $0.40 | 2004-04-01 | 2004-04-15 | Quarterly |
| 2003-12-29 | $0.40 | 2004-01-01 | 2004-01-15 | Quarterly |
| 2003-09-29 | $0.40 | 2003-10-01 | 2003-10-15 | Quarterly |
| 2003-06-27 | $0.40 | 2003-07-01 | 2003-07-15 | Quarterly |
| 2003-03-28 | $0.40 | 2003-04-01 | 2003-04-15 | Quarterly |
Insider trades
| Date | Insider | Action | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-06-08 | Kim Anthony I. | Sell | 5.33K | $30.73 | 163.90K |
| 2026-05-27 | Ball Christine P | Buy | 2.30K | — | — |
| 2026-05-27 | Chu Christie K | Buy | 2.30K | — | — |
| 2026-05-27 | Chung Harry | Buy | 2.30K | — | — |
| 2026-05-27 | Ahn John J | Buy | 2.30K | — | — |
| 2026-05-27 | Marasco James A | Buy | 2.30K | — | — |
| 2026-05-27 | Rosenblum David L | Buy | 2.30K | — | — |
| 2026-05-27 | Lee Gloria J | Buy | 2.30K | — | — |
| 2026-05-27 | Williams Thomas James | Buy | 2.30K | — | — |
| 2026-05-27 | Medici Daniel John | Buy | 2.30K | — | — |
| 2026-04-28 | Fuhr Matthew | Sell | 3.30K | $30.83 | 101.75K |
| 2026-04-01 | LEE BONITA | Sell | 3.77K | $26.60 | 100.26K |
| 2026-04-01 | SANTAROSA ROMOLO | Sell | 916 | $26.60 | 24.37K |
| 2026-04-01 | Pangrazio Joseph | Sell | 148 | $26.60 | 3.94K |
| 2026-04-01 | Kim Anthony I. | Sell | 563 | $26.60 | 14.98K |
| 2026-04-01 | Fuhr Matthew | Sell | 492 | $26.60 | 13.09K |
| 2026-04-01 | Du Michael | Sell | 360 | $26.60 | 9.58K |
| 2026-03-26 | Du Michael | Sell | 763 | $26.33 | 20.09K |
| 2026-03-26 | SANTAROSA ROMOLO | Sell | 2.06K | $26.33 | 54.21K |
| 2026-03-26 | Fuhr Matthew | Sell | 1.19K | $26.33 | 31.41K |
| 2026-03-26 | LEE BONITA | Sell | 10.52K | $26.33 | 276.94K |
| 2026-03-26 | Kim Anthony I. | Sell | 1.44K | $26.33 | 37.84K |
| 2026-03-26 | Pangrazio Joseph | Sell | 65 | $26.33 | 1.71K |
| 2026-03-26 | Du Michael | Buy | 2.37K | — | — |
| 2026-03-26 | Du Michael | Sell | 636 | $26.33 | 16.75K |
| 2026-03-26 | Du Michael | Sell | 169 | $26.33 | 4.45K |
| 2026-03-26 | Fuhr Matthew | Buy | 3.70K | — | — |
| 2026-03-26 | Fuhr Matthew | Sell | 994 | $26.33 | 26.17K |
| 2026-03-26 | Fuhr Matthew | Sell | 297 | $26.33 | 7.82K |
| 2026-03-26 | Kim Anthony I. | Buy | 4.46K | — | — |
| 2026-03-26 | Kim Anthony I. | Sell | 1.20K | $26.33 | 31.54K |
| 2026-03-26 | Kim Anthony I. | Sell | 339 | $26.33 | 8.93K |
| 2026-03-26 | SANTAROSA ROMOLO | Buy | 7.62K | — | — |
| 2026-03-26 | SANTAROSA ROMOLO | Sell | 2.05K | $26.33 | 53.95K |
| 2026-03-26 | SANTAROSA ROMOLO | Sell | 553 | $26.33 | 14.56K |
| 2026-03-26 | LEE BONITA | Buy | 22.26K | — | — |
| 2026-03-26 | LEE BONITA | Sell | 8.77K | $26.33 | 230.78K |
| 2026-03-26 | LEE BONITA | Sell | 2.39K | $26.33 | 62.96K |
| 2026-03-13 | Pangrazio Joseph | Buy | 483 | — | — |
| 2026-03-13 | Du Michael | Buy | 1.60K | — | — |
| 2026-03-13 | Fuhr Matthew | Buy | 2.76K | — | — |
| 2026-03-13 | Kim Anthony I. | Buy | 3.16K | — | — |
| 2026-03-13 | SANTAROSA ROMOLO | Buy | 4.91K | — | — |
| 2026-03-13 | LEE BONITA | Buy | 18.83K | — | — |
| 2026-03-10 | Pangrazio Joseph | Sell | 150 | $25.55 | 3.83K |
| 2026-03-10 | Du Michael | Sell | 205 | $25.55 | 5.24K |
| 2026-03-10 | Kim Anthony I. | Sell | 385 | $25.55 | 9.84K |
| 2026-03-10 | Fuhr Matthew | Sell | 319 | $25.55 | 8.15K |
| 2026-03-10 | SANTAROSA ROMOLO | Sell | 656 | $25.55 | 16.76K |
| 2026-03-10 | LEE BONITA | Sell | 1.67K | $25.55 | 42.64K |
| 2025-11-24 | Pangrazio Joseph | Sell | 486 | $27.41 | 13.32K |
| 2025-10-24 | Medici Daniel John | Buy | 200 | $27.11 | 5.42K |
| 2025-09-24 | Medici Daniel John | Other | 0 | — | — |
| 2025-05-28 | Yang Michael | Buy | 2.85K | — | — |
| 2025-05-28 | Williams Thomas James | Buy | 2.85K | — | — |
| 2025-05-28 | Marasco James A | Buy | 2.85K | — | — |
| 2025-05-28 | Chung Harry | Buy | 2.85K | — | — |
| 2025-05-28 | Yu Gideon | Buy | 2.85K | — | — |
| 2025-05-28 | Lee Gloria J | Buy | 2.85K | — | — |
| 2025-05-28 | Rosenblum David L | Buy | 2.85K | — | — |
| 2025-05-28 | Chu Christie K | Buy | 2.85K | — | — |
| 2025-05-28 | Ball Christine P | Buy | 2.85K | — | — |
| 2025-05-28 | Ahn John J | Buy | 2.85K | — | — |
| 2025-04-01 | LEE BONITA | Sell | 3.75K | $22.54 | 84.59K |
| 2025-04-01 | SANTAROSA ROMOLO | Sell | 910 | $22.54 | 20.51K |
| 2025-04-01 | Kim Anthony I. | Sell | 560 | $22.54 | 12.62K |
| 2025-04-01 | Fuhr Matthew | Sell | 489 | $22.54 | 11.02K |
| 2025-04-01 | Du Michael | Sell | 352 | $22.54 | 7.93K |
| 2025-04-01 | Pangrazio Joseph | Sell | 147 | $22.54 | 3.31K |
| 2025-03-26 | LEE BONITA | Buy | 12.27K | — | — |
| 2025-03-26 | LEE BONITA | Sell | 4.48K | $22.46 | 100.69K |
| 2025-03-26 | LEE BONITA | Buy | 15.34K | — | — |
| 2025-03-26 | SANTAROSA ROMOLO | Buy | 3.96K | — | — |
| 2025-03-26 | SANTAROSA ROMOLO | Sell | 1.27K | $22.46 | 28.55K |
| 2025-03-26 | SANTAROSA ROMOLO | Buy | 5.19K | — | — |
| 2025-03-26 | Kim Anthony I. | Buy | 1.98K | — | — |
| 2025-03-26 | Kim Anthony I. | Sell | 636 | $22.46 | 14.28K |
| 2025-03-26 | Kim Anthony I. | Buy | 3.19K | — | — |
| 2025-03-26 | Fuhr Matthew | Buy | 1.59K | — | — |
| 2025-03-26 | Fuhr Matthew | Sell | 509 | $22.46 | 11.43K |
| 2025-03-26 | Fuhr Matthew | Buy | 2.78K | — | — |
| 2025-03-26 | Du Michael | Buy | 1.13K | — | — |
| 2025-03-26 | Du Michael | Sell | 398 | $22.46 | 8.94K |
| 2025-03-26 | Du Michael | Buy | 1.58K | — | — |
| 2025-03-26 | Pangrazio Joseph | Buy | 519 | — | — |
| 2025-03-23 | Du Michael | Sell | 135 | $22.46 | 3.03K |
| 2025-03-23 | LEE BONITA | Sell | 1.26K | $22.46 | 28.25K |
| 2025-03-23 | Kim Anthony I. | Sell | 204 | $22.46 | 4.58K |
| 2025-03-23 | Fuhr Matthew | Sell | 163 | $22.46 | 3.66K |
| 2025-03-23 | SANTAROSA ROMOLO | Sell | 407 | $22.46 | 9.14K |
| 2025-03-10 | LEE BONITA | Sell | 1.62K | $21.52 | 34.95K |
| 2025-03-10 | SANTAROSA ROMOLO | Sell | 634 | $21.52 | 13.64K |
| 2025-03-10 | Kim Anthony I. | Sell | 370 | $21.52 | 7.96K |
| 2025-03-10 | Fuhr Matthew | Sell | 308 | $21.52 | 6.63K |
| 2025-03-10 | Du Michael | Sell | 197 | $21.52 | 4.24K |
| 2025-03-10 | Pangrazio Joseph | Sell | 144 | $21.52 | 3.10K |
| 2025-03-01 | Ball Christine P | Other | 0 | — | — |
| 2024-11-06 | SANTAROSA ROMOLO | Buy | 25.00K | $23.31 | 582.75K |
| 2024-11-06 | SANTAROSA ROMOLO | Sell | 25.00K | $25.75 | 643.74K |
| 2024-11-06 | SANTAROSA ROMOLO | Sell | 25.00K | $23.31 | 582.75K |
Institutional holders
Latest filed quarter: Q2 2026.
Institutions holding: 229, holders +13 vs prior quarter. Ownership 96.85%.
| Holder | Shares | Change | Change % | Value |
|---|---|---|---|---|
| BLACKROCK, INC. | 4.39M | -56 | -0.00% | 142.19M |
| DIMENSIONAL FUND ADVISORS LP | 1.79M | 25.46K | +1.45% | 57.88M |
| STATE STREET CORP | 1.58M | 35.15K | +2.28% | 51.05M |
| LSV ASSET MANAGEMENT | 1.33M | -11.60K | -0.86% | 43.22M |
| VANGUARD CAPITAL MANAGEMENT LLC | 1.32M | 10.33K | +0.79% | 42.70M |
| AMERICAN CENTURY COMPANIES INC | 1.11M | 81.90K | +7.96% | 35.97M |
| SIXTH STREET PARTNERS MANAGEMENT COMPANY, L.P. | 1.04M | 1.04M | New | 33.81M |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | 1.04M | 83.00K | +8.64% | 33.81M |
| GEODE CAPITAL MANAGEMENT, LLC | 874.14K | -30.06K | -3.32% | 28.33M |
| AQR CAPITAL MANAGEMENT LLC | 793.27K | 65.01K | +8.93% | 25.70M |
| VANGUARD PORTFOLIO MANAGEMENT LLC | 773.60K | 28.54K | +3.83% | 25.06M |
| ACADIAN ASSET MANAGEMENT LLC | 692.19K | 149.94K | +27.65% | 22.41M |
| GOLDMAN SACHS GROUP INC | 545.86K | -69.94K | -11.36% | 17.69M |
| MORGAN STANLEY | 480.57K | 1.81K | +0.38% | 15.57M |
| HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC | 472.51K | -17.04K | -3.48% | 15.31M |
| JPMORGAN CHASE & CO | 460.44K | 2.13K | +0.47% | 14.92M |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | 455.12K | 41.55K | +10.05% | 14.75M |
| RHINO INVESTMENT PARTNERS, INC | 405.73K | -476.23K | -54.00% | 13.15M |
| BANK OF NEW YORK MELLON CORP | 387.95K | 1.87K | +0.48% | 12.57M |
| QUBE RESEARCH & TECHNOLOGIES LTD | 371.13K | 166.23K | +81.12% | 12.02M |
| NORTHERN TRUST CORP | 351.91K | 20.66K | +6.24% | 11.40M |
| PRICE T ROWE ASSOCIATES INC /MD/ | 312.19K | 83.42K | +36.47% | 10.12M |
| STIEVEN CAPITAL ADVISORS, L.P. | 306.79K | -140.13K | -31.35% | 9.94M |
| NUVEEN, LLC | 279.12K | 178.13K | +176.38% | 9.04M |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | 256.43K | 8.44K | +3.40% | 8.31M |
Earnings and financials
Hanmi Financial Corporation (HAFC) trades at $32.48, with a market cap of $962.97M and a trailing P/E of n/a. Revenue below is the annual history on file. It describes what the business has already reported. It is not a forecast and it is not a recommendation.
Insights · Dividends · Forecast · Financials · Learn