NASDAQ$HAFC

Hanmi Financial Corporation · Q4 2025 earnings

Q4 2025 earnings · · After market close · Investor relations

Briefing

HAFC reported Q4 2025, net income of $21.2M, diluted EPS of $0.70.

For Q4 2025, HAFC reported net income of $21.2M, diluted EPS was $0.70. Management discusses segment performance, capital allocation, and outlook in the earnings release.

  • Net income $21.2M.
  • Diluted EPS $0.70.
  • HAFC highlights liquidity, operations, and forward priorities.

Headline financials

Total Revenue

$105M

Previous: $60.8M+72.9%
EPS (adj)

$0.70

Previous: $0.58+20.7%
Efficiency Ratio

55.0%

Previous: 56.8%-3.2%
Return on Average Assets

1.1%

Previous: 0.9%+15.1%
Return on Average Equity

10.1%

Previous: 8.9%+14.1%
Net Interest Margin

3.3%

Previous: 2.9%+12.7%
Tangible Common Equity to Tangible Assets

10.0%

Previous: 9.4%+6.2%
Tangible Common Equity per Share

$26.27

Previous: $23.88+10.0%
Cost of Deposits

2.4%

Previous: 2.7%-13.2%
Allowance for Credit Losses to Loans

1.1%

Previous: 1.1%-4.5%
Common Equity Tier 1 Capital Ratio

12.1%

Previous: 12.1%-0.5%
Total Risk-Based Capital Ratio

15.1%

Previous: 15.2%-1.2%
Tier 1 Risk-Based Capital Ratio

12.4%

Previous: 12.5%-0.7%
Tier 1 Leverage Capital Ratio

10.7%

Previous: 10.6%+0.7%
Loans 30-89 Days Past Due

$17.6M

Previous: $18.5M-4.6%
Nonperforming Loans

$18.1M

Previous: $14.3M+26.9%
Nonperforming Assets

$20.1M

Previous: $14.4M+39.6%
Net Charge-offs to Average Loans

0.1%

Previous: -0.0%+1100.0%
Criticized Loans

$97M

Previous: $165M-41.3%
Criticized Loans to Total Loans

1.5%

Previous: 2.6%-43.9%
Nonperforming Assets to Total Assets

0.3%

Previous: 0.2%+36.8%
Nonperforming Loans to Total Loans

0.3%

Previous: 0.2%+21.7%
Net Income

$21.2M

Previous: $17.7M+19.8%
Operating Income

$30.1M

Previous: $26.3M+14.5%

Revenue & EPS history

Hanmi · Revenue · Quarterly

$105M

Q4 2025+72.9%vs Q4 2024
Beat estimate in 8 of 15 quarters(53%)
ActualEstimate

Forward guidance

The release discusses HAFC's outlook for upcoming periods, including capital allocation, operating priorities, and market risks.

Tailwinds

  • HAFC cites operational execution and demand trends supporting the outlook.
  • Balance sheet and capital actions aim to fund growth and shareholder returns.

Headwinds

  • Macro, pricing, and input-cost volatility could pressure margins.
  • Segment mix and one-time items may affect quarter-to-quarter comparability.

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 Q4 2025

Historical avgQ4 2025

-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