NASDAQ$HAFC

Hanmi Financial Corporation · Q2 2024 earnings

Q2 2024 earnings · · Investor relations

Briefing

Reported a decrease in net income due to lower net interest income and higher credit loss expense, offset by higher noninterest income and lower noninterest expense.

Hanmi Financial Corporation reported net income of $14.5 million, or $0.48 per diluted share, for the second quarter of 2024. The company experienced a decrease in net interest income due to higher interest-bearing deposit costs, but this was partially offset by an increase in noninterest income and a decrease in noninterest expense. The company maintains strong asset quality and capital ratios.

  • Net income was $14.5 million, or $0.48 per diluted share, down 4.7% from the prior quarter.
  • Loans receivable were $6.18 billion, consistent with the prior quarter.
  • Deposits were $6.33 billion, down 0.7% from the prior quarter, with noninterest-bearing demand deposits representing 31.0% of total deposits.
  • Tangible common equity to tangible assets was 9.19%, Common equity tier 1 capital ratio was 12.11% and total capital ratio was 15.24%.

Headline financials

Total Revenue

$56.7M

Previous: $63.4M-10.5%
EPS

$0.48

Previous: $0.67-28.4%
Efficiency Ratio

62.2%

Previous: 54.1%+15.0%
Return on Average Assets

0.8%

Previous: 1.1%-31.3%
Net Interest Margin

2.7%

Previous: 3.1%-13.5%
Tangible Common Equity to Tangible Assets

9.2%

No prior period
Allowance for Credit Losses to Loans

1.1%

No prior period
Free Cash Flow

$14.5M

Previous: $20.6M-29.9%
Net Income

$14.5M

Previous: $20.6M-29.9%
Operating Income

-$6.11M

Previous: $16.8M-136.4%
Gross Profit

$55.7M

Previous: $63.4M-12.1%
Stock-Based Comp

$960K

Previous: $508K+89.0%

Revenue & EPS history

Hanmi · Revenue · Quarterly

$56.7M

Q2 2024-10.5%vs Q2 2023
Beat estimate in 8 of 15 quarters(53%)
ActualEstimate

Forward guidance

This document does not contain forward guidance.

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 2024

Historical avgQ2 2024

-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%

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