)
Visual
test
Hanmi Financial
Hanmi Financial (HAFC) investor relations material
Hanmi Financial Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary27 Jan, 2026
Executive summary
Net income for Q4 2025 was $21.2 million ($0.70 per diluted share), down 3.7% sequentially but up 20% year-over-year; full-year net income rose 22% to $76.1 million ($2.51 per diluted share), driven by net interest margin expansion and loan growth.
Return on average assets for Q4 was 1.07% and return on average equity was 10.14%; full-year 2025 ROAA was 0.98% and ROAE was 9.32%, both higher than 2024.
Loan production increased 36% year-over-year, with C&I and residential mortgage loans up 25% and 10%, respectively; noninterest-bearing demand deposits comprised 30.2% of total deposits.
Disciplined expense management and strong credit quality were upheld throughout the year.
Financial highlights
Net interest income for Q4 2025 grew 2.9% sequentially to $62.9 million; full-year net interest income rose 16.5% to $236.2 million.
Net interest margin (taxable equivalent) for Q4 was 3.28%, up 6 bps from Q3 and up 37 bps year-over-year; full-year NIM was 3.15%, up from 2.78% in 2024.
Noninterest income for Q4 was $8.3 million, down 16% sequentially but up 12.8% year-over-year; full-year noninterest income increased 7.6% to $34.0 million.
Noninterest expense for Q4 was $39.1 million, up 4.7% sequentially and 13.3% year-over-year; full-year noninterest expense rose 4.6% to $147.8 million.
Efficiency ratio for Q4 was 54.95%, up from 52.65% in Q3; full-year efficiency ratio improved to 54.71% from 60.31% in 2024.
Outlook and guidance
Management anticipates continued loan and deposit growth, further net interest margin expansion, well-managed expenses, and stable asset quality in 2026.
Focus on growing deposits, maintaining a stable funding mix, and disciplined expense management.
Prudent credit management and conservative underwriting remain priorities.
The company remains well capitalized, exceeding regulatory minimums, and expects to maintain a stable capital position.
Management highlighted ample liquidity and strong capital, with a focus on prudent capital management and continued shareholder returns through dividends and share repurchases.
Provide color on hospitality special mention
CD repricing: competitive landscape and rates
Q1 expense cadence given OREO and seasonality
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Latest summaries
- TimeTickerHeadlineOpen
- 032640
Net income surged 61.9% year-over-year, with strong wireless and enterprise growth. - LOT
A$76M equity raise supports Kayelekera ramp-up and Letlhakane development amid strong uranium demand. - SYM
Revenue up 29% to $630M, net income $13.36M, $22.3B backlog, strong cash, legal risks persist. - BPT
H1 FY26 revenue hit AUD 1B, with strong gas prices and LNG cargoes driving results. - CPAY
2026 guidance targets 16% revenue and 22% adjusted EPS growth, led by strong Corporate Payments. - TENB
Record 2025 results with double-digit growth, strong cash flow, and expanding AI-driven platform. - DHX
Q4 2025 revenue down 10% YoY; FY 2026 guidance targets $118M–$122M revenue. - COHR
Q2 FY26 revenue up 17% to $1.69B, with strong EPS growth and robust datacenter demand. - ALGT
Q4 2025 saw record results and margin growth, with 2026 outlook boosted by Sun Country deal. - STC
Record bookings, strong cash flow, and margin expansion drive improved outlook.
Next Hanmi Financial earnings date
Q1 202621 Apr, 2026
Hanmi Financial
Next Hanmi Financial earnings date
Q1 202621 Apr, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Hanmi Financial Corp is a bank holding company that offers financial services through its subsidiary, Hanmi Bank. The company provides commercial banking products, including loans, deposit accounts, treasury management, and international trade services, with a focus on small and medium-sized businesses. It serves customers primarily in California, Texas, and Illinois. Hanmi Financial Corp is headquartered in Los Angeles, California, and its shares are listed on the NASDAQ.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage