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Hanmi Financial Corp. (HAFC)
NASDAQ:HAFC
Earnings Data
Report Date
Apr 28, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.71Last Year’s EPS
0.58Same Quarter Last Year
Moderate Buy
Based on 1 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call emphasized strong full-year financial performance: double-digit net income growth, net interest margin expansion, meaningful loan production growth for the year, improved efficiency, stable deposit mix with a healthy share of noninterest-bearing deposits, and excellent asset quality and capital ratios. The fourth quarter showed some sequential headwinds—lower noninterest income, materially lower loan production versus a very strong prior quarter, modest deposit declines, and discrete OREO-related expenses—but these were characterized as manageable and tied to seasonality or one-time timing differences. Management expects continued low- to mid-single-digit loan growth, ongoing NIM benefits from deposit repricing, disciplined expense management, and maintained credit strength in 2026.Company Guidance
Full-Year Profitability Improvement
Net income for fiscal 2025 was $76.1 million ($2.51 per diluted share), an increase of 22% year-over-year; return on average equity for the year was 9.3%.
Quarterly and Annual Net Interest Performance
Net interest income increased 2.9% sequentially in Q4 to $62.9 million and rose 16.5% for the full year; net interest margin expanded 6 basis points sequentially to 3.28% and improved 37 basis points for the year, driven by lower interest-bearing deposit costs and higher average loan balances.
Loan Growth and Production Gains
Full-year loan growth of $312 million (5%); annual loan production up 36% driven by investments in banking teams. Residential and C&I loan production rose 90% and 42% year-over-year, respectively.
Portfolio Diversification Progress
C&I portfolio expanded 25% year-over-year; commercial real estate exposure reduced from 63.1% to 61.3% of total loans, supporting diversification goals.
Deposit Franchise Stability
Deposits grew 3.8% for the year; noninterest-bearing deposits remained ~30% of total deposits, supporting funding stability. USKC deposits maintained $1.0 billion and grew 24% year-over-year.
Revenue Quality and Gains on SBA Sales
Noninterest income increased 7.6% for the full year, primarily from gains on sale of SBA loans (loans sold up 39% year-over-year); Q4 SBA sales of ~$29.9 million produced a $1.8 million gain.
Improved Efficiency and Capital Returns
Efficiency ratio improved materially to 54.7% for the full year (from 60.3% prior year) and remained favorable at 54.95% in Q4. Returned $42 million to shareholders in 2025 ($33 million dividends, $9 million buybacks).
Strong Asset Quality and Capital Metrics
Nonperforming assets/total assets 0.26%; allowance for credit losses/total loans 1.07%; delinquent loans 0.27%; net charge-offs 0.10% of loans. Tangible common equity per share increased 2.5% to $26.27 and TCE/TA was 9.99% at year-end.
HAFC Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
HAFC Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jan 27, 2026 | $28.46 | $24.77 | -12.97% |
Oct 21, 2025 | $24.20 | $26.19 | +8.22% |
Jul 29, 2025 | $22.92 | $22.50 | -1.83% |
Apr 22, 2025 | $21.77 | $22.52 | +3.42% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Hanmi Financial Corp. (HAFC) report earnings?
Hanmi Financial Corp. (HAFC) is schdueled to report earning on Apr 28, 2026, After Close (Confirmed).
What is Hanmi Financial Corp. (HAFC) earnings time?
Hanmi Financial Corp. (HAFC) earnings time is at Apr 28, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is HAFC EPS forecast?
HAFC EPS forecast for the fiscal quarter 2026 (Q1) is 0.71.