Inferra AI / Company / HAFC
Hanmi Financial Corp
HAFC · Financials
Last earnings Oct 27, 2026
Key results
Net incomequarter
$22.1 million
Net income for the third quarter of 2025 was $22.1 million, or $0.73 per diluted share, compared with $15.1 million, or $0.50 per diluted share, for the second quarter of 2025.
SEC original ↗Hanmi Financial Corp — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Revenuequarter
16.4%
Our net interest margin expanded by 15 basis points to 3.22% and preprovision net revenue increased 16.4% quarter-over-quarter driven by robust growth in net interest income and well-managed expenses.
SEC original ↗Hanmi Financial Corp — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Third Quarter 2025 Highlights: Third quarter net income increased 45.9% to $22.1 million, or $0.73 per diluted share from the second quarter; a $3.9 million increase in net interest income and a $5.5 million decrease in credit loss expense led to the increase in net income.
SEC original ↗Hanmi Financial Corp — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Preprovision net revenue 1 increased $4.7 million or 16.4% from the previous quarter, reflecting a 6.9% increase in net interest income, a 15 basis point increase in the net interest margin, a 22.4% increase in noninterest income and well-managed noninterest expenses with the efficiency ratio declining to 52.65%.
SEC original ↗Hanmi Financial Corp — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Q3-24 Net income $ 22,061 $ 15,117 $ 17,672 $ 17,695 $ 14,892 Add back: Credit loss expense 2,145 7,631 2,721 945 2,286 Income tax expense 9,396 6,115 7,441 7,632 6,231 Preprovision net revenue $ 33,602 $ 28,863 $ 27,834 $ 26,272 $ 23,409 16.4 % 43.5 % 1 See Preprovision Net Revenue provided at the end of this news release.
SEC original ↗Hanmi Financial Corp — Earnings release (8-K exhibit)EX-99Oct 21, 2025
5 Earnings Performance Third quarter net income was $22.1 million, or $0.73 per diluted share, compared with $15.1 million, or $0.50 per diluted share in the second quarter, driven by an increase in net interest income and a decrease in credit loss expense.
SEC original ↗Hanmi Financial Corp — Presentation / slide deck (8-K exhibit)EX-99Oct 21, 2025
Preprovision net revenues grew 16.4%, or $4.7 million, reflecting a 6.9% increase in net interest income, a 15 basis point increase in net interest margin, a 22.4% increase in noninterest income and well - managed noninterest expenses with the efficiency ratio declining to 52.65%.
SEC original ↗Hanmi Financial Corp — Presentation / slide deck (8-K exhibit)EX-99Oct 21, 2025
M EPSquarter
$0.73
(1) Non - GAAP financial measure; refer to the non - GAAP reconciliation slide Net Income $22.1M Diluted EPS $0.73 ROAA 1.12% ROAE 10.69% NIM 3.22% Efficiency Ratio 52.65% 3Q25 HIGHLIGHTS LOAN PRODUCTION 6 Loan production of $570.8 million in the third quarter included a meaningful contribution from commercial and industrial production, which increased 296% to $211.5 million quarter - over - quarter.
SEC original ↗Hanmi Financial Corp — Presentation / slide deck (8-K exhibit)EX-99Oct 21, 2025
AI analysis
Q3 2025 · reported Oct 21, 2025
Based on: Earnings release + Q3 2025 deck + parent 8-K — transcript not held
Headline figures
| Metric | Q3 2025 | Prior qtr | Year ago |
|---|---|---|---|
| Net income | $22.1 million | — | — |
| Revenue | 16.4% | — | — |
| M EPS | $0.73 | — | — |
Guidance · company-stated
No guidance located in the held release
Capital allocation
Hanmi's capital position stayed strong with the ratio of tangible common equity to tangible assets 2 at 9.80%; during the third quarter, the company repurchased 199,698 common shares at a weighted average price of $23.45.
Average borrowings decreased $32.4 million, or 53.8%, while the average rate paid increased five basis points.
Event summary
CEO Commentary Hanmi delivered outstanding third quarter results, which highlights the strength of our enduring franchise, said Bonnie Lee, President and Chief Executive Officer
Based on: Earnings release + Q3 2025 deck + parent 8-K — transcript not held
Guidance & outlook
No guidance located in the held release
Capital allocation
Hanmi's capital position stayed strong with the ratio of tangible common equity to tangible assets 2 at 9.80%; during the third quarter, the company repurchased 199,698 common shares at a weighted average price of $23.45.
SEC original ↗Hanmi Financial Corp — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Average borrowings decreased $32.4 million, or 53.8%, while the average rate paid increased five basis points.
SEC original ↗Hanmi Financial Corp — Earnings release (8-K exhibit)EX-99Oct 21, 2025
The increase included net income, net of dividends paid, of $14.0 million for the third quarter.
SEC original ↗Hanmi Financial Corp — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Hanmi also repurchased 199,698 shares of common stock at an average share price of $23.45 with an aggregate cost of $4.7 million, during the quarter.
SEC original ↗Hanmi Financial Corp — Earnings release (8-K exhibit)EX-99Oct 21, 2025
At September 30, 2025, 910,802 shares remain under Hanmi s share repurchase program.
SEC original ↗Hanmi Financial Corp — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Hanmi paid the dividend on August 20, 2025, to stockholders of record as of the close of business on August 5, 2025.
SEC original ↗Hanmi Financial Corp — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Strategy & priorities
Our ongoing investments in our commercial lending teams, the USKC initiative and expansion into new markets, helped drive production for this key asset class.
SEC original ↗Hanmi Financial Corp — Earnings release (8-K exhibit)EX-99Oct 21, 2025
We remain focused on executing our strategies, deepening client relationships, and optimizing our balance sheet to deliver durable, long-term value for our shareholders, concluded Lee.
SEC original ↗Hanmi Financial Corp — Earnings release (8-K exhibit)EX-99Oct 21, 2025
All statements other than statements of historical fact are forward looking statements for purposes of federal and state securities laws, including, but not limited to, statements about our anticipated future operating and financial performance, financial position and liquidity, business strategies, regulatory and competitive outlook, investment and expenditure plans, capital and financing needs and availability, plans and objectives of management for future operations, developments regarding our capital and strategic plans, and other similar forecasts and statements of expectation and statements of assumption underlying any of the foregoing.
SEC original ↗Hanmi Financial Corp — Earnings release (8-K exhibit)EX-99Oct 21, 2025
By isolating preprovision net revenue, management can better understand the Company s profitability and make more informed strategic decisions.
SEC original ↗Hanmi Financial Corp — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Our conservative underwriting policy focuses on high - quality mortgage originations with maximum Loan - to - Value (LTV) ratios between 60% and 70%, maximum Debt - to - Income (DTI) ratios of 43% and minimum FICO scores of 680.
SEC original ↗Hanmi Financial Corp — Presentation / slide deck (8-K exhibit)EX-99Oct 21, 2025
Risks & headwinds
Forward-looking statements involve known and unknown risks, uncertainties and other factors that may cause our actual results, levels of activity, performance or achievements to differ from those expressed or implied by the forward-looking statements.
SEC original ↗Hanmi Financial Corp — Earnings release (8-K exhibit)EX-99Oct 21, 2025
These statements involve known and unknown risks and uncertainties that are difficult to predict .
SEC original ↗Hanmi Financial Corp — Presentation / slide deck (8-K exhibit)EX-99Oct 21, 2025
Forward - looking statements are based upon the good faith beliefs and expectations of management as of this date only and are further subject to additional risks and uncertainties, including, but not limited to, the risk factors set forth in our earnings release dated October 21 , 2025 , including the section titled Forward Looking Statements and the Company s most recent Form 10 - K, 10 - Q and other filings with the Securities and Exchange Commission .
SEC original ↗Hanmi Financial Corp — Presentation / slide deck (8-K exhibit)EX-99Oct 21, 2025
Earnings deck slides
2 decks with slide viewHanmi Financial Corp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Hanmi Financial Corp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Hanmi Financial Corp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Hanmi Financial Corp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Hanmi Financial Corp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Hanmi Financial Corp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Competitors
Competitors & peers
Same GICS sector — classification peers, not declared competitors
Filings
32 documents- Q3 2026
- 8-KHAFC
Oct 27, 2026
- Q2 2026
- 8-KHAFC
Aug 17, 2026
- 8-KHAFC
Aug 11, 2026
- 10-QHAFC
Aug 7, 2026
- 8-KHAFC
Jul 31, 2026
- 8-KHAFC
Jul 27, 2026
- 8-KHAFC
Jul 23, 2026
- 8-KHAFC
Jul 21, 2026
- Q1 2026
- 8-KHAFC
May 28, 2026
- 10-QHAFC
May 8, 2026
- 8-KHAFC
May 1, 2026
- 8-KHAFC
Apr 23, 2026
- 8-KHAFC
Apr 21, 2026
- Q4 2025
- 10-KHAFC
Feb 27, 2026
- 8-KHAFC
Feb 24, 2026
- 8-KHAFC
Feb 3, 2026
- 8-KHAFC
Jan 29, 2026
- EX-99HAFC
Jan 29, 2026
- 8-KHAFC
Jan 27, 2026
- Q3 2025
- 8-KHAFC
Nov 14, 2025
- 10-QHAFC
Nov 7, 2025
- 8-KHAFC
Oct 24, 2025
- 8-KHAFC
Oct 21, 2025
- Q2 2025
- 8-KHAFC
Sep 30, 2025
- 10-QHAFC
Aug 8, 2025
- 8-KHAFC
Jul 29, 2025
- 8-KHAFC
Jul 24, 2025
- 8-KHAFC
Jul 22, 2025
- Q1 2025
- 8-KHAFC
May 28, 2025
- 10-QHAFC
May 9, 2025
- 8-KHAFC
May 6, 2025
- 8-KHAFC
Apr 24, 2025
Earnings releases
16 documentsPresentations
8 documents
Transcripts
0 documentsNo transcripts for Hanmi Financial Corp are held in this edition of the library.
See also the earnings calendar for every tracked company’s next earnings date.