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Dec 31, 2025
Hanmi Q4 2025 Earnings Report
Hanmi Financial Corporation reported its financial results for the fourth quarter and full year ended December 31, 2025.
Key Takeaways
Hanmi Financial Corporation delivered solid results in the fourth quarter of 2025, with net income of $21.2 million, or $0.70 per diluted share. The company achieved robust earnings growth of 22% for the full year, driven by net interest margin expansion, healthy loan growth, and disciplined expense and credit management. Asset quality remained strong, and capital ratios exceeded minimum regulatory requirements.
Net income for Q4 2025 was $21.2 million, or $0.70 per diluted share, a decrease of 3.7% from the prior quarter.
Full-year 2025 net income increased by 22.3% to $76.1 million, or $2.51 per diluted share, compared to $62.2 million in 2024.
Net interest income grew by 2.9% from the prior quarter to $62.9 million, driven by lower cost of deposits and net interest margin expansion to 3.28%.
Loans receivable increased by 0.5% to $6.56 billion, and nonperforming loans to total loans improved to 0.28%.
Revenue by Segment
Forward Guidance
Hanmi Financial Corporation anticipates continued solid loan and deposit growth, further net interest margin expansion, well-managed expenses, and stable asset quality in 2026, positioning the company for consistent performance and long-term shareholder value.
Positive Outlook
- Anticipates solid loan and deposit growth.
- Expects further net interest margin expansion.
- Projects well-managed expenses.
- Foresees stable asset quality.
- Aims to drive consistent performance and long-term value for shareholders.
Challenges Ahead
- A failure to maintain adequate levels of capital and liquidity to support operations.
- General economic and business conditions internationally, nationally, and in operating areas, including potential recessionary conditions.
- Volatility and deterioration in credit and equity markets.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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