Hanmi Financial (HAFC) Financials

$32.34 -0.13 (-0.38%)

As of 12:46 PM Eastern

Annual Income Statements for Hanmi Financial

This table shows Hanmi Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Net Income / (Loss) Attributable to Common Shareholders	54	56	55	58	33	42	99	101	80	62	76
Consolidated Net Income / (Loss)	54	56	55	58	33	42	99	101	80	62	76
Net Income / (Loss) Continuing Operations	54	56	55	58	33	42	99	101	80	62	76
Total Pre-Tax Income	92	89	95	84	47	59	135	141	115	89	108
Total Revenue	196	193	210	206	203	224	236	272	255	234	270
Net Interest Income / (Expense)	148	160	177	181	176	181	195	238	221	203	236
Total Interest Income	164	178	209	234	247	224	217	274	369	399	411
Loans and Leases Interest Income	152	167	197	221	231	213	210	259	341	368	377
Investment Securities Interest Income	12	11	12	13	15	11	6.23	12	17	22	25
Deposits and Money Market Investments Interest Income	0.22	0.21	0.45	0.58	1.56	0.59	0.90	2.56	11	9.61	8.39
Total Interest Expense	16	18	33	53	71	43	22	36	148	196	175
Deposits Interest Expense	15	17	26	43	63	34	12	26	135	183	165
Short-Term Borrowings Interest Expense	0.08	0.88	1.08	3.38	0.76	2.37	1.70	2.25	6.87	6.75	3.73
Long-Term Debt Interest Expense	0.62	0.83	5.35	6.93	7.03	6.61	8.27	7.98	6.48	6.57	6.31
Total Non-Interest Income	48	33	33	25	28	43	40	34	34	32	34
Service Charges on Deposit Accounts	-	11	10	10	9.95	8.49	11	11	10	9.38	8.74
Other Service Charges	22	16	13	9.91	11	14	13	13	20	15	16
Net Realized & Unrealized Capital Gains on Investments	26	6.08	10	4.61	6.55	21	17	9.48	3.83	7.58	9.72
Provision for Credit Losses	-12	-4.34	0.83	3.99	30	45	-24	0.84	4.34	4.42	14
Total Non-Interest Expense	115	108	114	118	126	119	124	130	137	141	148
Salaries and Employee Benefits	63	64	68	69	68	67	73	76	81	83	88
Net Occupancy & Equipment Expense	24	21	23	23	26	30	31	31	32	33	33
Marketing Expense	4.20	3.91	3.95	4.04	3.80	2.67	2.65	3.64	3.11	3.03	3.10
Other Operating Expenses	23	19	20	20	28	20	18	20	20	22	24
Income Tax Expense	38	33	41	26	15	17	37	39	35	26	32
Basic Earnings per Share	$1.69	$1.76	$1.70	$1.80	$1.06	$1.38	$3.22	$3.33	$2.63	$2.06	$2.53
Weighted Average Basic Shares Outstanding	31.79M	31.90M	32.07M	31.92M	30.73M	30.28M	30.39M	30.30M	30.27M	30.02M	29.85M
Diluted Earnings per Share	$1.68	$1.75	$1.69	$1.79	$1.06	$1.38	$3.22	$3.32	$2.62	$2.05	$2.51
Weighted Average Diluted Shares Outstanding	31.88M	32.05M	32.25M	32.05M	30.76M	30.28M	30.47M	30.39M	30.33M	30.10M	30.04M
Weighted Average Basic & Diluted Shares Outstanding	31.80M	32.10M	32.20M	32.10M	30.73M	30.72M	30.42M	30.50M	30.27M	30.20M	29.89M
Cash Dividends to Common per Share	-	-	$0.80	$0.96	$0.96	$0.52	$0.54	$0.94	$1.00	$1.00	$1.08

This table shows Hanmi Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
Net Income / (Loss) Attributable to Common Shareholders	19	19	15	14	15	18	18	15	22	21	23
Consolidated Net Income / (Loss)	19	19	15	14	15	18	18	15	22	21	23
Net Income / (Loss) Continuing Operations	19	19	15	14	15	18	18	15	22	21	23
Total Pre-Tax Income	27	27	22	20	21	25	25	21	31	30	30
Total Revenue	66	60	58	57	58	61	63	65	71	71	72
Net Interest Income / (Expense)	55	53	51	49	50	53	55	57	61	63	63
Total Interest Income	94	97	100	99	100	100	99	101	105	105	102
Loans and Leases Interest Income	86	90	92	91	93	92	91	93	96	97	95
Investment Securities Interest Income	4.20	4.58	4.96	5.24	5.52	5.87	6.17	6.26	6.59	6.32	5.96
Deposits and Money Market Investments Interest Income	4.15	2.34	2.60	2.31	2.36	2.34	1.84	2.13	2.59	1.83	1.50
Total Interest Expense	39	44	49	50	50	47	44	44	44	42	39
Deposits Interest Expense	37	40	46	46	47	43	41	42	42	40	37
Short-Term Borrowings Interest Expense	0.75	2.11	1.66	1.90	1.56	1.63	2.02	0.68	0.32	0.70	0.68
Long-Term Debt Interest Expense	1.65	1.65	1.65	1.65	1.65	1.62	1.58	1.59	1.58	1.56	1.54
Total Non-Interest Income	11	6.68	7.73	8.06	8.44	7.36	7.73	8.07	9.88	8.30	8.54
Service Charges on Deposit Accounts	2.61	2.39	2.45	2.43	2.31	2.19	2.22	2.17	2.16	2.20	2.13
Other Service Charges	7.45	4.71	3.80	3.62	4.26	2.58	3.33	3.74	4.71	3.73	3.83
Net Realized & Unrealized Capital Gains on Investments	1.17	-0.42	1.48	2.01	1.87	2.59	2.18	2.16	3.01	2.37	2.59
Provision for Credit Losses	5.15	-2.87	0.23	0.96	2.29	0.95	2.72	7.63	2.15	1.94	2.89
Total Non-Interest Expense	34	35	36	35	35	35	35	36	37	39	38
Salaries and Employee Benefits	20	20	22	20	21	20	21	22	22	22	22
Net Occupancy & Equipment Expense	8.32	8.09	8.09	8.29	8.34	8.30	8.24	8.07	8.37	8.44	8.80
Marketing Expense	0.53	0.99	0.91	0.67	0.63	0.82	0.59	0.80	0.71	1.01	0.69
Other Operating Expenses	5.04	6.07	5.87	5.88	5.26	4.91	5.19	5.41	6.12	7.19	6.92
Income Tax Expense	7.89	8.84	6.55	5.99	6.23	7.63	7.44	6.12	9.40	8.89	7.93
Basic Earnings per Share	$0.62	$0.61	$0.50	$0.48	$0.49	$0.59	$0.59	$0.50	$0.73	$0.71	$0.76
Weighted Average Basic Shares Outstanding	30.25M	30.27M	30.12M	30.06M	29.97M	30.02M	29.94M	29.95M	29.83M	29.85M	29.63M
Diluted Earnings per Share	$0.62	$0.61	$0.50	$0.48	$0.49	$0.58	$0.58	$0.50	$0.73	$0.70	$0.75
Weighted Average Diluted Shares Outstanding	30.29M	30.33M	30.12M	30.13M	30.03M	30.10M	30.06M	30.05M	29.88M	30.04M	29.81M
Weighted Average Basic & Diluted Shares Outstanding	30.39M	30.27M	30.39M	30.27M	30.20M	30.20M	30.21M	30.13M	29.96M	29.89M	29.77M
Cash Dividends to Common per Share	$0.25	-	$0.25	$0.25	$0.25	-	$0.27	$0.27	$0.27	-	$0.28

This table details how cash moves in and out of Hanmi Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Net Change in Cash & Equivalents	6.04	-17	6.59	1.55	-34	270	217	-257	-50	2.48	-92
Net Cash From Operating Activities	67	59	82	77	59	60	94	147	109	53	206
Net Cash From Continuing Operating Activities	67	59	82	77	59	60	94	147	109	53	206
Net Income / (Loss) Continuing Operations	54	56	55	58	33	42	99	101	80	62	76
Consolidated Net Income / (Loss)	54	56	55	58	33	42	99	101	80	62	76
Depreciation Expense	18	15	13	11	9.53	11	14	12	3.44	3.24	3.33
Amortization Expense	-	-	-	-	-	-	2.29	2.67	2.34	2.68	2.32
Non-Cash Adjustments to Reconcile Net Income	-13	-3.32	-0.03	4.77	24	18	-7.00	8.46	0.73	4.39	134
Changes in Operating Assets and Liabilities, net	19	-4.05	13	2.88	-7.25	-11	-14	22	23	-20	-10
Net Cash From Investing Activities	-20	-496	-520	-312	-45	-408	-447	-882	-211	-106	-384
Net Cash From Continuing Investing Activities	-20	-496	-520	-312	-45	-408	-447	-882	-211	-106	-384
Purchase of Investment Securities	-404	-297	-703	-448	-324	-1,138	-780	-988	-333	-318	-618
Sale and/or Maturity of Investments	600	212	183	136	280	730	333	107	121	212	234
Net Cash From Financing Activities	-40	420	445	236	-48	618	570	478	52	56	86
Net Cash From Continuing Financing Activities	-40	420	445	236	-48	618	570	478	52	56	86
Net Change in Deposits	-47	300	539	399	-48	576	511	382	113	155	242
Issuance of Debt	20	145	98	0.00	110	525	95	0.00	0.00	50	50
Repayment of Debt	-0.93	-	-165	-95	-75	-465	-13	125	-25	-113	-163
Repurchase of Common Equity	-	0.00	-	-36	-7.36	-2.20	-6.14	0.00	-4.08	-6.31	-9.40
Payment of Dividends	-13	-26	-26	-31	-30	-16	-17	-29	-31	-30	-33
Other Financing Activities, Net	0.27	0.87	-0.82	-0.11	2.46	-0.34	-0.57	-0.71	-0.79	-0.00	-1.00
Cash Interest Paid	16	19	33	47	71	50	25	30	117	200	175
Cash Income Taxes Paid	7.93	23	28	21	16	18	31	13	17	42	36

This table details how cash moves in and out of Hanmi Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
Net Change in Cash & Equivalents	-56	13	-46	57	-25	17	24	51	-164	-2.81	41
Net Cash From Operating Activities	29	8.19	30	2.05	5.57	16	26	-19	147	52	24
Net Cash From Continuing Operating Activities	29	8.19	30	2.05	5.57	16	26	-19	147	52	24
Net Income / (Loss) Continuing Operations	19	19	15	14	15	18	18	15	22	21	23
Consolidated Net Income / (Loss)	19	19	15	14	15	18	18	15	22	21	23
Depreciation Expense	1.69	1.64	1.60	1.61	1.63	1.62	0.80	1.65	-0.79	0.88	0.86
Amortization Expense	0.59	0.64	0.69	0.67	0.61	0.77	0.67	0.68	0.50	0.45	0.61
Non-Cash Adjustments to Reconcile Net Income	0.28	-6.86	7.70	-5.10	-20	21	11	-29	118	36	5.53
Changes in Operating Assets and Liabilities, net	8.12	-5.87	4.83	-9.58	8.89	-25	-3.48	-6.99	6.92	-6.37	-5.69
Net Cash From Investing Activities	-57	-170	-9.49	-7.94	-103	13	-31	-39	-271	-43	59
Net Cash From Continuing Investing Activities	-57	-170	-9.49	-7.94	-103	13	-31	-39	-271	-43	59
Purchase of Investment Securities	-94	-202	-66	-60	-153	5.56	-76	-105	-331	-107	-36
Sale and/or Maturity of Investments	37	32	57	53	50	7.64	45	65	60	64	95
Net Cash From Financing Activities	-28	175	-67	63	72	-13	29	109	-40	-12	-41
Net Cash From Continuing Financing Activities	-28	175	-67	63	72	-13	29	109	-40	-12	-41
Net Change in Deposits	-56	21	95	-47	74	33	184	110	38	-89	123
Issuance of Debt	88	113	0.00	120	83	13	0.00	145	50	-	0.00
Repayment of Debt	-50	50	-153	-	-75	-50	-145	-135	-115	88	-150
Repurchase of Common Equity	-1.90	-0.74	-1.59	-2.73	-1.43	-0.55	-1.13	-1.63	-4.69	-1.96	-4.81
Payment of Dividends	-7.69	-7.59	-7.69	-7.59	-7.57	-7.54	-8.15	-8.25	-8.13	-8.09	-8.37
Other Financing Activities, Net	-0.40	-0.01	-0.49	-0.03	-0.02	0.54	-0.58	-0.36	-0.03	-0.03	-1.08
Cash Interest Paid	24	55	50	40	45	64	49	43	40	42	43
Cash Income Taxes Paid	6.15	0.39	0.18	22	-20	39	0.55	13	5.68	17	0.34

This table presents Hanmi Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Total Assets	4,235	4,701	5,210	5,502	5,538	6,202	6,859	7,378	7,570	7,678	7,869
Cash and Due from Banks	164	147	154	155	122	392	609	352	302	305	213
Trading Account Securities	701	526	585	584	634	754	911	854	866	906	881
Loans and Leases, Net of Allowance	0.00	0.00	0.00	0.00	0.00	0.00	0.00	5,896	0.00	0.00	0.00
Loans Held for Sale	-	-	-	4,569	6.02	8.57	13	8.04	12	8.58	7.40
Customer and Other Receivables	3.59	0.98	0.80	0.17	0.07	1.32	0.00	0.33	0.63	1.23	0.13
Premises and Equipment, Net	30	29	27	28	26	26	25	23	22	21	20
Goodwill	-	-	-	-	-	-	-	-	-	11	11
Other Assets	3,334	3,985	4,431	154	4,738	5,008	5,289	234	6,357	6,425	6,737
Total Liabilities & Shareholders' Equity	4,235	4,701	5,210	5,502	5,538	6,202	6,859	7,378	7,570	7,678	7,869
Total Liabilities	3,741	4,170	4,648	4,950	4,975	5,625	6,215	6,741	6,868	6,946	7,073
Non-Interest Bearing Deposits	1,156	1,203	1,312	1,285	1,392	1,899	2,575	2,540	2,004	2,097	2,015
Interest Bearing Deposits	2,354	2,606	3,036	3,463	3,307	3,376	3,212	3,628	4,277	4,339	4,662
Bankers Acceptance Outstanding	3.59	0.98	0.80	0.17	0.07	1.32	0.00	0.33	0.63	1.23	0.13
Accrued Interest Payable	3.18	2.57	5.31	11	11	4.56	1.16	7.79	39	35	35
Long-Term Debt	189	334	267	173	208	269	353	479	455	393	280
Other Long-Term Liabilities	35	23	26	18	56	75	75	85	93	81	80
Total Equity & Noncontrolling Interests	494	531	562	553	563	577	643	638	702	732	796
Total Preferred & Common Equity	494	531	562	553	563	577	643	638	702	732	796
Preferred Stock	-	-	-	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	494	531	562	553	563	577	643	638	702	732	796
Common Stock	558	562	566	570	576	578	581	583	587	591	595
Retained Earnings	6.42	42	71	98	101	115	197	270	319	351	394
Treasury Stock	-70	-71	-72	-109	-117	-119	-126	-126	-132	-139	-149
Accumulated Other Comprehensive Income / (Loss)	-0.32	-2.39	-1.87	-6.08	3.38	3.08	-8.44	-89	-72	-71	-43

This table presents Hanmi Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025	Q2 2025	Q3 2025	Q1 2026
Period end date	9/30/2022	3/31/2023	6/30/2023	9/30/2023	3/31/2024	6/30/2024	9/30/2024	3/31/2025	6/30/2025	9/30/2025	3/31/2026
Total Assets	7,129	7,434	7,345	7,350	7,512	7,586	7,712	7,729	7,862	7,857	7,839
Cash and Due from Banks	275	386	345	289	256	313	288	329	380	216	254
Trading Account Securities	830	879	837	817	872	878	909	907	918	905	836
Loans and Leases, Net of Allowance	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Loans Held for Sale	10	3.65	7.29	12	4.00	10	54	12	50	6.51	4.93
Customer and Other Receivables	0.20	0.04	1.69	1.39	0.16	0.55	0.07	0.55	0.21	0.34	0.00
Premises and Equipment, Net	24	23	23	21	22	22	21	21	21	20	20
Goodwill	-	-	-	-	-	-	-	-	-	-	11
Other Assets	5,978	6,132	6,120	6,199	6,347	6,352	6,429	6,449	6,483	6,698	6,713
Total Liabilities & Shareholders' Equity	7,129	7,434	7,345	7,350	7,512	7,586	7,712	7,729	7,862	7,857	7,839
Total Liabilities	6,520	6,772	6,676	6,687	6,809	6,879	6,976	6,978	7,100	7,077	7,036
Non-Interest Bearing Deposits	2,771	2,334	2,206	2,161	1,933	1,960	2,052	2,067	2,105	2,087	2,031
Interest Bearing Deposits	3,430	3,867	4,110	4,099	4,443	4,369	4,351	4,553	4,624	4,680	4,770
Bankers Acceptance Outstanding	0.20	0.04	1.69	1.39	0.16	0.55	0.07	0.55	0.21	0.34	0.00
Accrued Interest Payable	2.18	21	35	50	38	48	53	30	31	34	31
Long-Term Debt	229	480	255	292	303	423	430	248	258	193	131
Other Long-Term Liabilities	87	71	70	83	92	79	89	80	81	83	75
Total Equity & Noncontrolling Interests	609	662	669	663	703	707	737	751	763	780	803
Total Preferred & Common Equity	609	662	669	663	703	707	737	751	763	780	803
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	609	662	669	663	703	707	737	751	763	780	803
Common Stock	583	585	585	586	588	589	590	592	593	594	595
Retained Earnings	249	284	297	308	327	333	341	360	367	381	408
Treasury Stock	-126	-128	-129	-131	-134	-137	-138	-141	-143	-147	-155
Accumulated Other Comprehensive Income / (Loss)	-96	-79	-85	-99	-77	-78	-55	-60	-55	-48	-46

This table displays calculated financial ratios and metrics derived from Hanmi Financial's official financial filings.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
DEI Shares Outstanding	-	-	-	-	-	-	-	-	-	-	29,955,307.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	-	29,955,307.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	-	2.54
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	18.62%	-1.25%	8.77%	-2.23%	-1.03%	10.12%	5.15%	15.41%	-6.03%	-8.26%	15.28%
EBITDA Growth	35.14%	-5.36%	4.01%	-12.07%	-40.18%	23.85%	115.17%	2.77%	-20.51%	-21.01%	20.17%
EBIT Growth	26.76%	-2.84%	6.60%	-11.87%	-43.61%	25.65%	127.74%	3.86%	-18.58%	-22.67%	21.81%
NOPAT Growth	7.21%	4.95%	-3.24%	5.87%	-43.34%	28.69%	133.85%	2.75%	-21.06%	-22.29%	22.33%
Net Income Growth	8.16%	4.95%	-3.24%	5.87%	-43.34%	28.69%	133.85%	2.75%	-21.06%	-22.29%	22.33%
EPS Growth	7.69%	4.17%	-3.43%	5.92%	-40.78%	30.19%	133.33%	3.11%	-21.08%	-21.76%	22.44%
Operating Cash Flow Growth	161.24%	-10.79%	37.58%	-6.15%	-23.28%	2.39%	55.69%	57.16%	-26.82%	-49.96%	291.98%
Free Cash Flow Firm Growth	84.43%	-1,733.30%	171.42%	80.43%	-108.31%	-138.69%	-59.22%	61.73%	304.33%	134.12%	32.80%
Invested Capital Growth	9.76%	26.72%	-4.08%	-12.58%	6.38%	9.64%	17.72%	12.15%	3.58%	-2.73%	-4.31%
Revenue Q/Q Growth	1.72%	0.26%	1.89%	-1.00%	-0.64%	2.30%	1.34%	5.11%	-4.56%	0.42%	3.99%
EBITDA Q/Q Growth	18.52%	-0.18%	0.27%	-5.79%	-19.43%	25.11%	19.17%	-1.25%	-8.13%	-2.05%	1.13%
EBIT Q/Q Growth	22.76%	-1.39%	0.55%	-5.56%	-22.57%	30.42%	20.90%	-3.42%	-8.50%	-2.37%	4.65%
NOPAT Q/Q Growth	19.76%	-0.67%	-5.07%	-0.21%	-20.20%	36.32%	23.85%	-4.57%	-10.95%	-1.49%	4.89%
Net Income Q/Q Growth	19.81%	-0.72%	-5.07%	-0.19%	-20.20%	36.32%	23.85%	-4.57%	-10.95%	-1.49%	4.89%
EPS Q/Q Growth	18.31%	-0.57%	-5.06%	0.00%	-19.70%	38.00%	24.32%	-4.87%	-10.88%	-1.44%	5.02%
Operating Cash Flow Q/Q Growth	75.32%	-11.19%	4.28%	-9.76%	-19.71%	38.77%	9.76%	14.50%	-26.43%	17.78%	21.93%
Free Cash Flow Firm Q/Q Growth	84.90%	-218.88%	172.68%	15,699.90%	-111.35%	3.41%	14.19%	-108.19%	244.74%	163.23%	-53.42%
Invested Capital Q/Q Growth	4.36%	42.96%	5.51%	-14.20%	0.51%	1.68%	2.52%	33.26%	21.05%	-3.59%	10.75%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	56.13%	53.79%	51.44%	46.26%	27.96%	31.45%	64.35%	57.31%	48.48%	41.74%	42.04%
EBIT Margin	47.01%	46.25%	45.33%	40.85%	23.28%	26.56%	57.52%	51.77%	44.85%	37.81%	39.95%
Profit (Net Income) Margin	27.50%	29.23%	26.00%	28.16%	16.12%	18.84%	41.89%	37.30%	31.33%	26.54%	28.16%
Tax Burden Percent	58.50%	63.20%	57.37%	68.92%	69.25%	70.92%	72.83%	72.05%	69.86%	70.20%	70.50%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	41.50%	36.80%	42.63%	31.08%	30.75%	29.08%	27.17%	27.95%	30.14%	29.80%	29.50%
Return on Invested Capital (ROIC)	8.25%	7.30%	6.45%	7.44%	4.38%	5.22%	10.71%	9.60%	7.04%	5.45%	6.91%
ROIC Less NNEP Spread (ROIC-NNEP)	8.25%	7.30%	6.45%	7.44%	4.38%	5.22%	10.71%	9.60%	7.04%	5.45%	6.91%
Return on Net Nonoperating Assets (RNNOA)	3.11%	3.72%	3.55%	2.94%	1.50%	2.18%	5.46%	6.23%	4.91%	3.22%	3.05%
Return on Equity (ROE)	11.36%	11.02%	10.00%	10.38%	5.88%	7.40%	16.17%	15.83%	11.95%	8.67%	9.96%
Cash Return on Invested Capital (CROIC)	-1.05%	-16.27%	10.61%	20.87%	-1.80%	-3.98%	-5.56%	-1.86%	3.52%	8.22%	11.31%
Operating Return on Assets (OROA)	2.17%	2.00%	1.92%	1.57%	0.86%	1.01%	2.07%	1.98%	1.53%	1.16%	1.39%
Return on Assets (ROA)	1.27%	1.26%	1.10%	1.08%	0.59%	0.72%	1.51%	1.42%	1.07%	0.82%	0.98%
Return on Common Equity (ROCE)	11.36%	11.02%	10.00%	10.38%	5.88%	7.40%	16.17%	15.83%	11.95%	8.67%	9.96%
Return on Equity Simple (ROE_SIMPLE)	10.90%	10.64%	9.72%	10.47%	5.82%	7.31%	15.34%	15.90%	11.40%	8.50%	9.55%
Net Operating Profit after Tax (NOPAT)	54	56	55	58	33	42	99	101	80	62	76
NOPAT Margin	27.50%	29.23%	26.00%	28.16%	16.12%	18.84%	41.89%	37.30%	31.33%	26.54%	28.16%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	46.37%	45.81%	45.00%	46.85%	47.94%	44.27%	45.12%	40.67%	45.62%	50.96%	45.86%
Operating Expenses to Revenue	58.93%	56.00%	54.28%	57.20%	61.89%	53.15%	52.84%	47.93%	53.45%	60.31%	54.71%
Earnings before Interest and Taxes (EBIT)	92	89	95	84	47	59	135	141	115	89	108
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	110	104	108	95	57	70	152	156	124	98	114
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.08	1.54	1.30	0.88	0.90	0.51	0.97	1.05	0.79	0.96	1.01
Price to Tangible Book Value (P/TBV)	1.09	1.58	1.33	0.90	0.91	0.52	0.99	1.06	0.80	0.98	1.02
Price to Revenue (P/Rev)	2.74	4.23	3.49	2.36	2.48	1.32	2.66	2.45	2.16	3.01	2.97
Price to Earnings (P/E)	9.95	14.48	13.42	8.38	15.37	6.99	6.35	6.57	6.89	11.34	10.54
Dividend Yield	2.81%	3.16%	4.37%	6.29%	5.93%	5.42%	3.01%	4.30%	5.51%	4.28%	4.04%
Earnings Yield	10.05%	6.90%	7.45%	11.94%	6.50%	14.31%	15.75%	15.21%	14.51%	8.82%	9.49%
Enterprise Value to Invested Capital (EV/IC)	0.82	1.16	1.02	0.69	0.77	0.20	0.37	0.71	0.61	0.71	0.81
Enterprise Value to Revenue (EV/Rev)	2.86	5.20	4.03	2.44	2.90	0.77	1.57	2.92	2.76	3.39	3.22
Enterprise Value to EBITDA (EV/EBITDA)	5.10	9.67	7.83	5.28	10.39	2.44	2.44	5.09	5.69	8.11	7.65
Enterprise Value to EBIT (EV/EBIT)	6.09	11.24	8.89	5.98	12.48	2.89	2.73	5.64	6.15	8.96	8.05
Enterprise Value to NOPAT (EV/NOPAT)	10.41	17.79	15.50	8.68	18.02	4.07	3.75	7.83	8.80	12.76	11.42
Enterprise Value to Operating Cash Flow (EV/OCF)	8.42	16.93	10.37	6.55	10.05	2.86	3.95	5.39	6.53	14.71	4.22
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	9.42	3.10	0.00	0.00	0.00	0.00	17.58	8.46	6.98
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.38	0.63	0.48	0.31	0.37	0.47	0.55	0.75	0.65	0.54	0.35
Long-Term Debt to Equity	0.38	0.63	0.48	0.31	0.37	0.47	0.55	0.75	0.65	0.54	0.35
Financial Leverage	0.38	0.51	0.55	0.39	0.34	0.42	0.51	0.65	0.70	0.59	0.44
Leverage Ratio	8.94	8.72	9.06	9.61	9.89	10.30	10.70	11.11	11.16	10.63	10.17
Compound Leverage Factor	8.94	8.72	9.06	9.61	9.89	10.30	10.70	11.11	11.16	10.63	10.17
Debt to Total Capital	27.64%	38.61%	32.21%	23.82%	27.00%	31.79%	35.39%	42.92%	39.33%	34.94%	26.04%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	27.64%	38.61%	32.21%	23.82%	27.00%	31.79%	35.39%	42.92%	39.33%	34.94%	26.04%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	72.36%	61.39%	67.79%	76.18%	73.00%	68.21%	64.61%	57.08%	60.67%	65.06%	73.96%
Debt to EBITDA	1.72	3.21	2.47	1.82	3.66	3.82	2.33	3.08	3.67	4.02	2.47
Net Debt to EBITDA	0.22	1.80	1.05	0.18	1.52	-1.74	-1.69	0.82	1.23	0.90	0.60
Long-Term Debt to EBITDA	1.72	3.21	2.47	1.82	3.66	3.82	2.33	3.08	3.67	4.02	2.47
Debt to NOPAT	3.51	5.91	4.89	2.99	6.36	6.37	3.57	4.73	5.68	6.32	3.69
Net Debt to NOPAT	0.45	3.31	2.08	0.30	2.64	-2.91	-2.60	1.25	1.91	1.42	0.89
Long-Term Debt to NOPAT	3.51	5.91	4.89	2.99	6.36	6.37	3.57	4.73	5.68	6.32	3.69
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-6.87	-126	90	162	-13	-32	-51	-20	40	94	125
Operating Cash Flow to CapEx	30.71%	14.42%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Free Cash Flow to Firm to Interest Expense	-0.43	-6.89	2.77	3.04	-0.19	-0.75	-2.37	-0.54	0.27	0.48	0.71
Operating Cash Flow to Interest Expense	4.13	3.25	2.51	1.44	0.83	1.40	4.33	4.07	0.73	0.28	1.18
Operating Cash Flow Less CapEx to Interest Expense	-9.32	-19.28	2.51	1.44	0.83	1.40	4.33	4.07	0.73	0.28	1.18
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.05	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.03	0.03	0.03
Fixed Asset Turnover	6.44	6.60	7.60	7.56	7.56	8.53	9.20	11.41	11.40	10.81	12.93
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	683	865	830	725	772	846	996	1,117	1,157	1,125	1,077
Invested Capital Turnover	0.30	0.25	0.25	0.26	0.27	0.28	0.26	0.26	0.22	0.21	0.25
Increase / (Decrease) in Invested Capital	61	182	-35	-104	46	74	150	121	40	-32	-48
Enterprise Value (EV)	560	1,005	847	502	591	172	370	793	704	794	869
Market Capitalization	536	818	734	485	504	295	626	666	552	705	802
Book Value per Share	$15.45	$16.45	$17.36	$17.39	$18.10	$18.78	$21.16	$20.91	$23.09	$24.25	$26.59
Tangible Book Value per Share	$15.39	$16.05	$16.97	$17.00	$17.72	$18.41	$20.78	$20.54	$22.73	$23.88	$26.22
Total Capital	683	865	830	725	772	846	996	1,117	1,157	1,125	1,077
Total Debt	189	334	267	173	208	269	353	479	455	393	280
Total Long-Term Debt	189	334	267	173	208	269	353	479	455	393	280
Net Debt	24	187	113	17	87	-123	-256	127	153	88	68
Capital Expenditures (CapEx)	217	412	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	189	334	267	173	208	269	353	479	455	393	280
Total Depreciation and Amortization (D&A)	18	15	13	11	9.53	11	16	15	9.25	9.21	5.66
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.69	$1.76	$1.70	$1.80	$1.06	$1.38	$3.22	$3.33	$2.63	$2.06	$2.53
Adjusted Weighted Average Basic Shares Outstanding	31.79M	31.90M	32.07M	31.92M	30.73M	30.28M	30.39M	30.30M	30.27M	30.02M	29.85M
Adjusted Diluted Earnings per Share	$1.68	$1.75	$1.69	$1.79	$1.06	$1.38	$3.22	$3.32	$2.62	$2.05	$2.51
Adjusted Weighted Average Diluted Shares Outstanding	31.88M	32.05M	32.25M	32.05M	30.76M	30.28M	30.47M	30.39M	30.33M	30.10M	30.04M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$1.06	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	32.16M	32.33M	32.45M	30.92M	30.73M	30.72M	30.42M	30.50M	30.27M	30.20M	29.89M
Normalized Net Operating Profit after Tax (NOPAT)	55	57	55	58	33	42	99	101	80	62	76
Normalized NOPAT Margin	28.09%	29.33%	26.00%	28.44%	16.12%	18.84%	41.89%	37.30%	31.33%	26.54%	28.16%
Pre Tax Income Margin	47.01%	46.25%	45.33%	40.85%	23.28%	26.56%	57.52%	51.77%	44.85%	37.81%	39.95%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	5.71	4.89	2.93	1.57	0.67	1.38	6.27	3.89	0.77	0.45	0.62
NOPAT to Interest Expense	3.34	3.09	1.68	1.08	0.46	0.98	4.56	2.80	0.54	0.32	0.44
EBIT Less CapEx to Interest Expense	-7.74	-17.63	2.93	1.57	0.67	1.38	6.27	3.89	0.77	0.45	0.62
NOPAT Less CapEx to Interest Expense	-10.11	-19.43	1.68	1.08	0.46	0.98	4.56	2.80	0.54	0.32	0.44
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	23.75%	45.43%	47.22%	53.43%	90.81%	37.82%	16.74%	28.24%	38.15%	48.84%	42.87%
Augmented Payout Ratio	23.75%	45.43%	47.22%	115.76%	113.27%	43.03%	22.95%	28.24%	43.25%	58.99%	55.23%

This table displays calculated financial ratios and metrics derived from Hanmi Financial's official financial filings.

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
DEI Shares Outstanding	-	-	-	-	-	-	-	-	-	29,955,307.00	29,892,589.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	29,955,307.00	29,892,589.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	0.71	0.75
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-8.22%	-16.93%	-11.79%	-10.54%	-11.49%	1.64%	7.59%	15.06%	21.32%	17.06%	14.21%
EBITDA Growth	-27.18%	-26.91%	-28.62%	-27.79%	-19.31%	-6.88%	14.09%	3.71%	49.16%	16.97%	20.22%
EBIT Growth	-30.08%	-27.92%	-30.54%	-29.89%	-20.84%	-7.83%	15.64%	3.87%	48.92%	18.95%	21.38%
NOPAT Growth	-30.82%	-34.57%	-31.04%	-29.92%	-20.77%	-5.04%	16.54%	4.61%	48.14%	20.04%	27.64%
Net Income Growth	-30.82%	-34.57%	-31.04%	-29.92%	-20.77%	-5.04%	16.54%	4.61%	48.14%	20.04%	27.64%
EPS Growth	-30.34%	-34.41%	-30.56%	-28.36%	-20.97%	-4.92%	16.00%	4.17%	48.98%	20.69%	29.31%
Operating Cash Flow Growth	-40.70%	-82.54%	-17.01%	-93.97%	-81.09%	99.43%	-13.80%	-1,025.94%	2,084.59%	278.64%	-9.41%
Free Cash Flow Firm Growth	-161.57%	76.93%	161.86%	-1,776.73%	-99.03%	330.90%	-84.35%	164.37%	210.33%	41.43%	275.87%
Invested Capital Growth	14.03%	3.58%	-11.91%	22.38%	22.13%	-2.73%	-0.59%	-9.61%	-16.69%	-4.31%	-6.64%
Revenue Q/Q Growth	4.30%	-9.48%	-2.40%	-2.93%	3.20%	3.96%	3.31%	3.81%	8.82%	0.31%	0.79%
EBITDA Q/Q Growth	-7.97%	2.76%	-19.31%	-5.38%	2.85%	18.58%	-1.14%	-13.99%	32.29%	0.90%	1.61%
EBIT Q/Q Growth	-8.47%	2.98%	-20.97%	-5.88%	3.34%	19.90%	-0.84%	-15.45%	48.16%	-4.23%	1.19%
NOPAT Q/Q Growth	-8.85%	-0.86%	-18.62%	-4.70%	3.05%	18.82%	-0.12%	-14.46%	45.94%	-3.73%	6.21%
Net Income Q/Q Growth	-8.85%	-0.86%	-18.62%	-4.70%	3.05%	18.82%	-0.12%	-14.46%	45.94%	-3.73%	6.21%
EPS Q/Q Growth	-7.46%	-1.61%	-18.03%	-4.00%	2.08%	18.37%	0.00%	-13.79%	46.00%	-4.11%	7.14%
Operating Cash Flow Q/Q Growth	-13.31%	-72.21%	266.00%	-93.16%	171.77%	193.09%	58.19%	-173.48%	873.60%	-64.44%	-54.29%
Free Cash Flow Firm Q/Q Growth	-864.64%	78.39%	808.00%	-227.15%	-2.30%	125.07%	-52.01%	422.98%	75.33%	-67.86%	27.55%
Invested Capital Q/Q Growth	3.51%	21.05%	-13.06%	12.34%	3.30%	-3.59%	-11.16%	2.15%	-4.79%	10.75%	-13.32%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	43.83%	49.75%	41.13%	40.09%	39.96%	45.58%	43.61%	36.14%	43.93%	44.19%	44.54%
EBIT Margin	40.38%	45.93%	37.19%	36.06%	36.11%	41.65%	39.98%	32.56%	44.33%	42.32%	42.49%
Profit (Net Income) Margin	28.44%	31.15%	25.97%	25.50%	25.46%	29.10%	28.13%	23.18%	31.09%	29.84%	31.44%
Tax Burden Percent	70.44%	67.81%	69.83%	70.70%	70.50%	69.87%	70.37%	71.20%	70.13%	70.50%	74.00%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	29.56%	32.19%	30.17%	29.30%	29.50%	30.14%	29.63%	28.80%	29.87%	29.50%	26.00%
Return on Invested Capital (ROIC)	8.49%	7.00%	5.99%	5.99%	5.60%	5.98%	6.70%	5.33%	7.55%	7.32%	9.08%
ROIC Less NNEP Spread (ROIC-NNEP)	8.49%	7.00%	5.99%	5.99%	5.60%	5.98%	6.70%	5.33%	7.55%	7.32%	9.08%
Return on Net Nonoperating Assets (RNNOA)	3.48%	4.88%	3.43%	2.95%	2.89%	3.53%	2.54%	2.47%	3.10%	3.23%	2.21%
Return on Equity (ROE)	11.97%	11.88%	9.42%	8.93%	8.49%	9.51%	9.24%	7.80%	10.65%	10.55%	11.29%
Cash Return on Invested Capital (CROIC)	-3.09%	3.52%	19.48%	-13.60%	-13.97%	8.22%	7.05%	16.17%	24.99%	11.31%	15.24%
Operating Return on Assets (OROA)	1.49%	1.57%	1.23%	1.16%	1.12%	1.28%	1.25%	1.04%	1.48%	1.47%	1.52%
Return on Assets (ROA)	1.05%	1.06%	0.86%	0.82%	0.79%	0.89%	0.88%	0.74%	1.04%	1.04%	1.13%
Return on Common Equity (ROCE)	11.97%	11.88%	9.42%	8.93%	8.49%	9.51%	9.24%	7.80%	10.65%	10.55%	11.29%
Return on Equity Simple (ROE_SIMPLE)	13.55%	0.00%	10.41%	9.48%	8.57%	0.00%	8.61%	8.57%	9.31%	0.00%	10.09%
Net Operating Profit after Tax (NOPAT)	19	19	15	14	15	18	18	15	22	21	23
NOPAT Margin	28.44%	31.15%	25.97%	25.50%	25.46%	29.10%	28.13%	23.18%	31.09%	29.84%	31.44%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	44.20%	48.72%	52.37%	51.87%	50.98%	48.72%	47.43%	47.44%	44.03%	44.84%	43.83%
Operating Expenses to Revenue	51.82%	58.86%	62.42%	62.24%	59.98%	56.79%	55.69%	55.74%	52.65%	54.95%	53.48%
Earnings before Interest and Taxes (EBIT)	27	27	22	20	21	25	25	21	31	30	30
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	29	30	24	23	23	28	27	24	31	31	32
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.69	0.79	0.67	0.71	0.76	0.96	0.90	0.97	0.94	1.01	0.97
Price to Tangible Book Value (P/TBV)	0.71	0.80	0.68	0.72	0.77	0.98	0.91	0.98	0.96	1.02	0.99
Price to Revenue (P/Rev)	1.72	2.16	1.89	2.08	2.39	3.01	2.83	2.98	2.83	2.97	2.80
Price to Earnings (P/E)	5.12	6.89	6.39	7.48	8.82	11.34	10.45	11.27	10.15	10.54	9.64
Dividend Yield	6.62%	5.51%	6.47%	6.06%	5.44%	4.28%	4.55%	4.27%	4.34%	4.04%	4.21%
Earnings Yield	19.52%	14.51%	15.64%	13.37%	11.34%	8.82%	9.57%	8.87%	9.85%	9.49%	10.37%
Enterprise Value to Invested Capital (EV/IC)	0.49	0.61	0.51	0.54	0.60	0.71	0.60	0.60	0.73	0.81	0.70
Enterprise Value to Revenue (EV/Rev)	1.73	2.76	2.08	2.54	3.00	3.39	2.49	2.49	2.75	3.22	2.35
Enterprise Value to EBITDA (EV/EBITDA)	3.44	5.69	4.51	5.79	7.01	8.11	5.89	6.03	6.35	7.65	5.52
Enterprise Value to EBIT (EV/EBIT)	3.70	6.15	4.90	6.34	7.71	8.96	6.47	6.63	6.92	8.05	5.80
Enterprise Value to NOPAT (EV/NOPAT)	5.16	8.80	7.03	9.11	11.08	12.76	9.21	9.41	9.84	11.42	8.12
Enterprise Value to Operating Cash Flow (EV/OCF)	3.17	6.53	5.06	8.77	15.27	14.71	11.96	21.38	4.22	4.22	3.23
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	17.58	2.46	0.00	0.00	8.46	8.43	3.54	2.67	6.98	4.46
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.44	0.65	0.43	0.60	0.58	0.54	0.33	0.34	0.25	0.35	0.16
Long-Term Debt to Equity	0.44	0.65	0.43	0.60	0.58	0.54	0.33	0.34	0.25	0.35	0.16
Financial Leverage	0.41	0.70	0.57	0.49	0.52	0.59	0.38	0.46	0.41	0.44	0.24
Leverage Ratio	11.38	11.16	10.95	10.85	10.76	10.63	10.48	10.51	10.27	10.17	10.02
Compound Leverage Factor	11.38	11.16	10.95	10.85	10.76	10.63	10.48	10.51	10.27	10.17	10.02
Debt to Total Capital	30.59%	39.33%	30.09%	37.42%	36.88%	34.94%	24.84%	25.31%	19.83%	26.04%	13.99%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	30.59%	39.33%	30.09%	37.42%	36.88%	34.94%	24.84%	25.31%	19.83%	26.04%	13.99%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	69.41%	60.67%	69.91%	62.58%	63.12%	65.06%	75.16%	74.69%	80.17%	73.96%	86.01%
Debt to EBITDA	2.17	3.67	2.65	4.01	4.31	4.02	2.45	2.53	1.72	2.47	1.10
Net Debt to EBITDA	0.02	1.23	0.41	1.04	1.43	0.90	-0.80	-1.19	-0.20	0.60	-1.04
Long-Term Debt to EBITDA	2.17	3.67	2.65	4.01	4.31	4.02	2.45	2.53	1.72	2.47	1.10
Debt to NOPAT	3.25	5.68	4.13	6.31	6.82	6.32	3.84	3.95	2.66	3.69	1.61
Net Debt to NOPAT	0.04	1.91	0.64	1.64	2.26	1.42	-1.25	-1.86	-0.31	0.89	-1.52
Long-Term Debt to NOPAT	3.25	5.68	4.13	6.31	6.82	6.32	3.84	3.95	2.66	3.69	1.61
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-99	-21	151	-192	-197	49	24	124	217	70	89
Operating Cash Flow to CapEx	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Free Cash Flow to Firm to Interest Expense	-2.52	-0.48	3.09	-3.84	-3.90	1.06	0.54	2.80	4.91	1.65	2.28
Operating Cash Flow to Interest Expense	0.75	0.19	0.61	0.04	0.11	0.35	0.59	-0.43	3.33	1.24	0.61
Operating Cash Flow Less CapEx to Interest Expense	0.75	0.19	0.61	0.04	0.11	0.35	0.59	-0.43	3.33	1.24	0.61
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.04	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.04
Fixed Asset Turnover	12.08	11.40	11.11	10.76	11.09	10.81	11.15	11.62	12.46	12.93	13.65
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	956	1,157	1,006	1,130	1,167	1,125	1,000	1,021	972	1,077	933
Invested Capital Turnover	0.30	0.22	0.23	0.23	0.22	0.21	0.24	0.23	0.24	0.25	0.29
Increase / (Decrease) in Invested Capital	118	40	-136	207	211	-32	-5.98	-109	-195	-48	-66
Enterprise Value (EV)	464	704	515	611	700	794	596	615	713	869	657
Market Capitalization	461	552	468	501	557	705	676	737	736	802	781
Book Value per Share	$21.77	$23.09	$23.23	$23.27	$24.34	$24.25	$24.89	$25.25	$25.88	$26.59	$26.86
Tangible Book Value per Share	$21.40	$22.73	$22.86	$22.90	$23.97	$23.88	$24.52	$24.88	$25.51	$26.22	$26.49
Total Capital	956	1,157	1,006	1,130	1,167	1,125	1,000	1,021	972	1,077	933
Total Debt	292	455	303	423	430	393	248	258	193	280	131
Total Long-Term Debt	292	455	303	423	430	393	248	258	193	280	131
Net Debt	3.35	153	47	110	143	88	-81	-122	-23	68	-123
Capital Expenditures (CapEx)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	292	455	303	423	430	393	248	258	193	280	131
Total Depreciation and Amortization (D&A)	2.28	2.28	2.30	2.28	2.25	2.39	2.28	2.33	-0.29	1.33	1.47
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.62	$0.61	$0.50	$0.48	$0.49	$0.59	$0.59	$0.50	$0.73	$0.71	$0.76
Adjusted Weighted Average Basic Shares Outstanding	30.25M	30.27M	30.12M	30.06M	29.97M	30.02M	29.94M	29.95M	29.83M	29.85M	29.63M
Adjusted Diluted Earnings per Share	$0.62	$0.61	$0.50	$0.48	$0.49	$0.58	$0.58	$0.50	$0.73	$0.70	$0.75
Adjusted Weighted Average Diluted Shares Outstanding	30.29M	30.33M	30.12M	30.13M	30.03M	30.10M	30.06M	30.05M	29.88M	30.04M	29.81M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	30.39M	30.27M	30.39M	30.27M	30.20M	30.20M	30.21M	30.13M	29.96M	29.89M	29.77M
Normalized Net Operating Profit after Tax (NOPAT)	19	19	15	14	15	18	18	15	22	21	23
Normalized NOPAT Margin	28.44%	31.15%	25.97%	25.50%	25.46%	29.10%	28.13%	23.18%	31.09%	29.84%	31.44%
Pre Tax Income Margin	40.38%	45.93%	37.19%	36.06%	36.11%	41.65%	39.98%	32.56%	44.33%	42.32%	42.49%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.68	0.62	0.44	0.41	0.42	0.54	0.57	0.48	0.71	0.71	0.78
NOPAT to Interest Expense	0.48	0.42	0.31	0.29	0.30	0.38	0.40	0.34	0.50	0.50	0.58
EBIT Less CapEx to Interest Expense	0.68	0.62	0.44	0.41	0.42	0.54	0.57	0.48	0.71	0.71	0.78
NOPAT Less CapEx to Interest Expense	0.48	0.42	0.31	0.29	0.30	0.38	0.40	0.34	0.50	0.50	0.58
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	34.00%	38.15%	41.79%	45.57%	48.19%	48.84%	47.67%	48.21%	44.22%	42.87%	40.56%
Augmented Payout Ratio	37.72%	43.25%	49.55%	55.96%	58.48%	58.99%	56.70%	55.46%	55.24%	55.23%	56.72%

Financials Breakdown Chart

Key Financial Trends

Hanmi Financial (NASDAQ: HAFC) has shown a solid rebound in profitability in early 2026, but the broader trend over the last four years suggests a bank that is still managing margin pressure, balance sheet mix shifts, and capital deployment changes.

For Q1 2026, Hanmi Financial reported net income of $22.6 million, up modestly from $21.2 million in Q4 2025 and $17.7 million in Q1 2025. Earnings per share improved to $0.75 diluted from $0.70 a quarter earlier and $0.58 in the year-ago quarter. Revenue was also slightly higher sequentially, helped by strong net interest income and solid fee income.

That said, the quarter also highlighted some bank-specific headwinds. Deposit costs remain elevated, loan-related growth appears limited, and the company continues to rely heavily on investment securities and “other assets” rather than a visibly expanding loan book. Over the longer term, Hanmi has generated consistent profits, but quarterly results have been volatile as interest rates, funding costs, and deposit flows have changed.

Net income improved year over year in Q1 2026, rising to $22.6 million from $17.7 million in Q1 2025.
EPS also improved meaningfully, with diluted EPS at $0.75 versus $0.58 in the prior-year quarter.
Operating cash flow remained positive at $23.9 million in Q1 2026, supporting earnings quality.
Revenue held up well at $71.7 million, slightly above Q4 2025’s $71.2 million.
Non-interest income grew sequentially to $8.5 million, helped by service charges and investment gains.
Common equity increased over the past year to $802.8 million from $751.5 million in Q1 2025, indicating retained earnings growth.
Net interest income was steady but not accelerating at $63.2 million, compared with $62.9 million in Q4 2025 and $55.1 million in Q1 2025.
Provision for credit losses stayed manageable at $2.9 million, though it was higher than Q4 2025’s $1.9 million.
The balance sheet remains large and asset-rich, but a significant portion is tied up in trading securities and other assets rather than loans.
Deposits and funding costs remain a pressure point; Q1 2026 deposit interest expense was $36.7 million, still a large share of interest income.
Debt was reduced sharply in Q1 2026 with $150.0 million of repayment, which may help leverage but also signals active balance sheet management rather than expansion.
Quarterly cash change was positive, but that came alongside heavy investment sales and debt repayment, suggesting a somewhat defensive cash-flow posture.

Longer-term trend: Hanmi Financial has remained profitable across the period shown, with quarterly net income generally ranging from the mid-teens to the mid-$20 millions. However, the path has not been linear. In 2024 and 2025, profitability improved at times, but operating cash flow and financing activity fluctuated sharply from quarter to quarter. That pattern is common for banks, but it also suggests investors should watch deposit trends, funding costs, and the composition of earning assets closely.

Bottom line: HAFC looks like a consistently profitable regional bank with improving Q1 2026 earnings, but the stock’s longer-term story still depends on whether management can sustain net interest income while keeping funding costs, credit losses, and balance sheet risk under control.

06/26/26 11:47 AM ETAI Generated. May Contain Errors.

Hanmi Financial Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Hanmi Financial's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Hanmi Financial's net income appears to be on an upward trend, with a most recent value of $76.09 million in 2025, rising from $53.82 million in 2015. The previous period was $62.20 million in 2024. Check out Hanmi Financial's forecast to explore projected trends and price targets.

Over the last 10 years, Hanmi Financial's total revenue changed from $195.72 million in 2015 to $270.17 million in 2025, a change of 38.0%.

Hanmi Financial's total liabilities were at $7.07 billion at the end of 2025, a 1.8% increase from 2024, and a 89.1% increase since 2015.

In the past 10 years, Hanmi Financial's cash and equivalents has ranged from $121.68 million in 2019 to $608.97 million in 2021, and is currently $212.84 million as of their latest financial filing in 2025.

Over the last 10 years, Hanmi Financial's book value per share changed from 15.45 in 2015 to 26.59 in 2025, a change of 72.1%.

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Financial statements for NASDAQ:HAFC last updated on 5/12/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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Hanmi Financial (HAFC) Financials

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Hanmi Financial Financials - Frequently Asked Questions

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Hanmi Financial (HAFC) Financials

Annual Income Statements for Hanmi Financial

Quarterly Income Statements for Hanmi Financial

Annual Cash Flow Statements for Hanmi Financial

Quarterly Cash Flow Statements for Hanmi Financial

Annual Balance Sheets for Hanmi Financial

Quarterly Balance Sheets for Hanmi Financial

Annual Metrics And Ratios for Hanmi Financial

Quarterly Metrics And Ratios for Hanmi Financial

Financials Breakdown Chart

Key Financial Trends

Hanmi Financial Financials - Frequently Asked Questions

When does Hanmi Financial's financial year end?

How has Hanmi Financial's net income changed over the last 10 years?

How has Hanmi Financial's revenue changed over the last 10 years?

How much debt does Hanmi Financial have?

How much cash does Hanmi Financial have?

How has Hanmi Financial's book value per share changed over the last 10 years?

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