NASDAQ$HAFC

Hanmi Financial Corporation · Q2 2020 earnings

Q2 2020 earnings · · Investor relations

Briefing

Reported a significant increase in net income driven by solid loan growth and strong deposit gathering activities, despite the challenging operating environment due to the COVID-19 pandemic.

Hanmi Financial Corporation reported a net income of $9.2 million, or $0.30 per diluted share, for the second quarter of 2020. This represents a significant increase compared to the previous quarter and the same quarter last year. The performance was highlighted by solid loan growth and strong deposit gathering activities, including participation in the SBA's Paycheck Protection Program.

  • Net income for the second quarter of 2020 was $9.2 million, or $0.30 per diluted share.
  • Loan production increased by $281.7 million year-over-year, driven by new loans and Paycheck Protection Program loans.
  • Noninterest-bearing demand balances grew 36.5% in the quarter, leading to a 13.7% increase in total deposits.
  • The company's capital far exceeded the minimum thresholds to be deemed well-capitalized, with strong regulatory capital ratios.

Headline financials

Total Revenue

$65.4M

Previous: $50.7M+28.9%
EPS (adj)

$0.30

Previous: $0.09+233.3%
Efficiency Ratio

41.5%

No prior period
Allowance for Credit Losses to Loans

1.8%

No prior period
Total Risk-Based Capital Ratio

14.0%

No prior period
Tier 1 Risk-Based Capital Ratio

10.9%

No prior period
Free Cash Flow

$9.18M

Previous: $2.66M+245.4%
Net Income

$9.18M

Previous: $2.66M+245.4%
Operating Income

$39.1M

Previous: $19.4M+101.8%
Gross Profit

$65.4M

Previous: $50.7M+28.9%
Cash & Equivalents

$546M

Previous: $131M+317.3%
Total Assets

$6.22B

Previous: $5.51B+12.8%
Stock-Based Comp

$626K

Previous: $659K-5.0%

Revenue & EPS history

Hanmi · Revenue · Quarterly

$65.4M

Q2 2020+28.9%vs Q2 2019
Beat estimate in 7 of 16 quarters(44%)
ActualEstimate

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q2 2020

Historical avgQ2 2020

-0.1%

Avg return

Earnings day

-0.3%

Avg return

5 days after

+2.2%

Avg return

30 days after

50%

33 / 66 earnings

Positive

+15.7%

Q1 2010

Best reaction

-18.3%

Q1 2020

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+7.0%+11.4%+9.3%
Q4 2025-13.0%-3.6%-8.3%
Q3 2025+8.2%+11.2%+11.5%
Q2 2025-2.3%-1.4%+2.8%
Q1 2025+3.4%+1.1%+1.3%
Q4 2024+7.2%+5.2%+4.9%
Q3 2024+7.9%+9.8%+28.8%
Q2 2024-3.2%+2.3%-5.4%
Q1 2024-0.5%+4.0%+2.8%
Q4 2023-11.3%-9.9%-20.6%
Q3 2023-6.0%-4.6%+11.2%
Q2 2023+4.2%+7.4%-2.3%
Q1 2023-10.1%-9.7%-17.7%
Q4 2022-7.0%-6.0%-1.7%
Q3 2022+4.4%+6.7%+4.3%
Q2 2022+5.2%+5.5%+8.6%
Q1 2022-4.2%-6.4%-6.6%
Q4 2021+6.4%+4.4%-0.4%
Q3 2021+3.1%+4.8%+17.1%
Q2 2021+5.6%+4.2%+7.9%
Q1 2021+0.1%-0.2%+3.3%
Q4 2020+3.2%+11.8%+39.1%
Q3 2020-0.8%-0.4%+20.4%
Q2 2020+2.8%-0.4%+4.5%
Q1 2020-18.3%-25.0%-28.6%
Q4 2019-7.5%-8.4%-13.3%
Q3 2019-2.0%-2.8%+3.7%
Q2 2019+0.1%-1.4%+8.4%
Q1 2019+6.1%+8.3%-1.0%
Q4 2018-2.7%+4.5%+8.4%
Q3 2018-14.1%-6.3%-0.3%
Q2 2018-10.5%-10.3%-4.2%
Q1 2018-8.2%-9.8%-2.3%
Q4 2017-1.4%-1.9%-2.8%
Q3 2017-0.8%+0.6%-4.5%
Q2 2017-2.3%-0.2%-7.3%
Q1 2017-2.8%+0.2%-3.7%
Q4 2016+0.0%-1.0%-1.7%
Q3 2016-10.7%-7.5%+18.3%
Q2 2016+1.5%+2.0%+3.7%
Q1 2016+6.2%
Q4 2015+0.9%
Q3 2015-2.9%
Q2 2015-0.1%
Q1 2015+2.9%
Q4 2014-0.2%
Q3 2014+1.4%
Q2 2014-0.5%
Q1 2014-0.4%
Q4 2013+5.1%
Q3 2013-2.1%
Q2 2013-0.2%
Q1 2013-2.0%
Q4 2012-0.2%
Q3 2012-1.4%
Q2 2012+5.4%
Q1 2011+2.5%
Q1 2012+2.7%
Q4 2011+5.8%
Q4 2010+5.8%
Q4 2009+5.8%
Q3 2011+1.0%
Q3 2010+1.0%
Q2 2011+1.9%
Q2 2010+1.9%
Q1 2010+15.7%

Discussion

Share your read of this quarter. Sign-in carries your eToro identity.

Join the conversation

Sign in with eToro to post your read of this quarter and vote on others'.

Sign in with eToro