The earnings call presented a mixed sentiment with notable achievements in loan and deposit growth, significant asset quality improvements, and a stable efficiency ratio. However, these positives were offset by a decline in net income, higher net charge-offs, and a decrease in loan production.

Company Guidance -

Q3 2025

During Hanmi Financial Corporation's second quarter 2025 conference call, several key metrics were highlighted. The bank reported net income of $15.1 million, equivalent to $0.50 per diluted share, reflecting a decrease from the previous quarter primarily due to an increase in credit loss expenses. The return on average assets stood at 0.79%, while the return on average equity was 7.8%. Despite a decline in net income, pre-provision net revenues grew by 3.7% or $1 million, showcasing the bank's core business strength. The net interest margin improved by 5 basis points to 3.07%, driven by lower funding costs. Total loans increased to $6.31 billion, marking a 0.4% linked-quarter growth or 1.6% annualized, with notable contributions from C&I and residential mortgage loans. Deposits rose by 1.7%, supported by new commercial accounts and branch contributions. Noninterest-bearing demand deposits increased over 7% from the previous year, constituting 31.3% of total deposits. Additionally, noninterest income grew by 4.5%, driven by successful SBA efforts. Hanmi maintained its efficiency ratio at 55.7% and announced an increase in its SBA production target to $45 million to $50 million for the latter half of 2025. The bank's asset quality improved significantly, with criticized loans decreasing by 72% due to proactive portfolio management.

Loan and Deposit Growth

Total loans increased to $6.31 billion, growing 0.4% on a linked-quarter basis or 1.6% annualized with higher C&I and residential mortgage loan production. Deposits increased by 1.7% in the second quarter, driven by new commercial accounts and contributions from new branches.

Asset Quality Improvement

Asset quality improved significantly, with criticized loans decreasing by 72% and nonaccruals decreasing by 27%. Delinquent loans declined to 0.17% of total loans.

Net Interest Margin and Income Growth

Net interest margin increased by 5 basis points to 3.07%, and net interest income grew by 3.7% to $57.1 million in the second quarter.

Successful SBA Initiatives

Noninterest income increased by 4.5%, largely due to successful SBA efforts. SBA loan production increased by 20% year-to-date.

Efficiency Ratio Stability

The efficiency ratio was maintained at 55.7%, reflecting disciplined control over operating expenses.

Hanmi Financial (HAFC) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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HAFC Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 28, 2025	2025 (Q3)	0.65 / -	0.49	―	―	―
Jul 22, 2025	2025 (Q2)	0.61 / 0.50	0.48	4.17% (+0.02)
Apr 22, 2025	2025 (Q1)	0.57 / 0.58	0.5	16.00% (+0.08)
Jan 28, 2025	2024 (Q4)	0.52 / 0.58	0.61	-4.92% (-0.03)
Oct 22, 2024	2024 (Q3)	0.48 / 0.49	0.62	-20.97% (-0.13)
Jul 23, 2024	2024 (Q2)	0.47 / 0.48	0.67	-28.36% (-0.19)
Apr 23, 2024	2024 (Q1)	0.52 / 0.50	0.72	-30.56% (-0.22)
Jan 23, 2024	2023 (Q4)	0.59 / 0.61	0.93	-34.41% (-0.32)
Oct 24, 2023	2023 (Q3)	0.62 / 0.62	0.89	-30.34% (-0.27)
Jul 25, 2023	2023 (Q2)	0.65 / 0.67	0.82	-18.29% (-0.15)

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
Jul 22, 2025	$26.12	$23.17	-11.29%
Apr 22, 2025	$22.26	$23.02	+3.41%
Jan 28, 2025	$22.38	$23.99	+7.19%
Oct 22, 2024	$19.46	$20.85	+7.14%

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 Oct 28, 2025, After Close (Confirmed).

What is Hanmi Financial Corp. (HAFC) earnings time?

Hanmi Financial Corp. (HAFC) earnings time is at Oct 28, 2025, 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 2025 (Q3) is 0.65.

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