Hanmi Financial (HAFC) Reports Q4 Earnings: What Key Metrics Have to Say

Core Insights - Hanmi Financial (HAFC) reported a revenue of $71.18 million for the quarter ended December 2025, marking a year-over-year increase of 17.1% [1] - The earnings per share (EPS) for the same period was $0.70, compared to $0.58 a year ago, indicating growth [1] - The reported revenue exceeded the Zacks Consensus Estimate of $70.75 million by 0.61%, while the EPS fell short of the consensus estimate of $0.71 by 0.95% [1] Financial Performance Metrics - The efficiency ratio for Hanmi Financial was reported at 55%, slightly above the average estimate of 53.1% based on two analysts [4] - The net interest margin stood at 3.3%, aligning with the average estimate from two analysts [4] - Net loan charge-offs to average loans were reported at 0.1%, matching the average estimate from two analysts [4] - Total noninterest income was $8.3 million, surpassing the average estimate of $8.08 million based on two analysts [4] Stock Performance - Over the past month, shares of Hanmi Financial have returned +3.3%, outperforming the Zacks S&P 500 composite's +0.4% change [3] - The stock currently holds a Zacks Rank 3 (Hold), suggesting it may perform in line with the broader market in the near term [3]