NASDAQ$HAFC

Hanmi Financial Corporation · Q3 2023 earnings

Q3 2023 earnings · · Investor relations

Briefing

Reported solid third quarter results driven by relationship banking model and disciplined lending approach.

Hanmi Financial Corporation reported a net income of $18.8 million for Q3 2023, a decrease compared to the previous quarter. The results reflect the strength of their franchise and success of their relationship banking model amidst economic uncertainty and higher interest rates.

  • Net income for the third quarter of 2023 was $18.8 million, or $0.62 per diluted share.
  • Loan production increased in the third quarter, reflecting contributions from nearly all business lines.
  • Asset quality remains excellent due to direct customer relationships and proactive credit administration.
  • The company is entering the fourth quarter with a healthy loan pipeline, stable core deposits, solid credit quality, and well-managed expenses.

Headline financials

Total Revenue

$66.1M

Previous: $72M-8.2%
EPS (adj)

$0.62

Previous: $0.89-30.3%
Efficiency Ratio

51.8%

Previous: 46.2%+12.1%
Return on Average Assets

1.0%

Previous: 1.5%-34.2%
Allowance for Credit Losses to Loans

1.1%

No prior period
Common Equity Tier 1 Capital Ratio

11.9%

No prior period
Total Risk-Based Capital Ratio

15.1%

No prior period
Capital Expenditures

$1.33M

No prior period
Free Cash Flow

$18.8M

Previous: $27.2M-30.8%
Net Income

$18.8M

Previous: $27.2M-30.8%
Operating Income

$21M

Previous: $42.5M-50.5%
Gross Profit

$66.1M

Previous: $72M-8.2%
Cash & Equivalents

$289M

Previous: $275M+5.0%
Total Assets

$7.35B

Previous: $7.13B+3.1%
Stock-Based Comp

$778K

Previous: $664K+17.2%

Revenue & EPS history

Hanmi · Revenue · Quarterly

$66.1M

Q3 2023-8.2%vs Q3 2022
Beat estimate in 8 of 15 quarters(53%)
ActualEstimate

Forward guidance

Hanmi looks forward to opening two new branches in the fourth quarter to capitalize on attractive growth opportunities and will remain focused on executing on their strategic initiatives to drive disciplined growth and to create value for their shareholders over the long-term.

Tailwinds

  • Healthy loan pipeline
  • Stable core deposits
  • Solid credit quality
  • Well-managed expenses
  • Opening two new branches in Q4

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 Q3 2023

Historical avgQ3 2023

-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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