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Hanmi Financial (HAFC) Financials

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$28.96 -0.68 (-2.30%)
As of 11:10 AM Eastern
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Annual Income Statements for Hanmi Financial

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

Quarterly Income Statements for Hanmi Financial

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

Annual Cash Flow Statements for Hanmi Financial

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

Quarterly Cash Flow Statements for Hanmi Financial

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

Annual Balance Sheets for Hanmi Financial

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

Quarterly Balance Sheets for Hanmi Financial

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

Annual Metrics And Ratios for Hanmi Financial

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%

Quarterly Metrics And Ratios for Hanmi Financial

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

Here are the key takeaways from Hanmi Financial (HAFC) quarterly results across 2022–2025 based on the provided statements. The bullets are ordered with positives first, then neutral, then negatives.

  • Net interest income remains the core revenue driver, with Q4 2025 net interest income around $62.9 million and total revenue about $71.18 million, indicating a stable core margin and ongoing profitability.
  • Balance sheet stability, with total assets broadly flat in the mid-to-high $7.7B range across 2023–2025 (e.g., about $7.856B in Q3 2025), suggesting a steady asset base.
  • Dividend per share of $0.27 in 2025 Q4 signals ongoing cash returns to shareholders.
  • Capital position remains solid, with total common equity typically in the $0.66B–$0.78B range (e.g., around $779.6M in Q3 2025), supporting a healthy overall equity base.
  • Operating cash flow generation has been positive in multiple quarters, including roughly $52.2M from continuing operations in Q4 2025 and $146.9M in Q3 2025, indicating strong cash generation ability.
  • Profitability has shown quarter-to-quarter variability, with 2024 Q4 net income around $28.4M and 2025 Q4 around $21.2M, reflecting sensitivity to credit and other inputs but no sustained losses.
  • Non-interest income remains a modest, steady contributor (roughly $7–9M per quarter), including capital gains and service charges.
  • Loan activity appears muted with limited visible growth in core loans across the quarters, suggesting modest near-term loan expansion.
  • Earnings softness in 2025 versus 2024, with net income decreasing in 2025 Q4 relative to the prior year, which could impact year-over-year comparisons.
  • Ongoing expense pressure, notably salaries and benefits, which ran around $20–22M per quarter in 2025 and non-interest expenses in the $34–39M range, highlighting margin sensitivity to operating costs.
05/12/26 11:10 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 financial year ends in December. Their financial 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. See Hanmi Financial's forecast for analyst expectations on what's next for the company.

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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