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Hanmi Financial (HAFC) investor relations material
Hanmi Financial Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary21 Oct, 2025
Executive summary
Net income for Q3 2025 was $22.1 million ($0.73 per diluted share), up 45.9% year-over-year and 46.4% sequentially, driven by higher net interest income, lower credit loss expense, and robust commercial loan production.
Return on average assets rose to 1.12% and return on average equity to 10.69%, both up significantly from the prior quarter.
Loans receivable grew 4.5% to $6.53 billion, and deposits rose to $6.77 billion, with commercial loans as a key driver.
Asset quality improved, with nonperforming assets down 17.7% to $21.4 million (0.27% of total assets), and reductions in criticized and non-performing loans.
Strategic investments in C&I teams and initiatives like USKC contributed to robust loan and deposit growth.
Financial highlights
Net interest income for Q3 2025 was $61.1 million, up 6.9% sequentially and $11.0 million year-over-year, with net interest margin at 3.22% (up from 2.74%).
Noninterest income reached $9.9 million, up 22.4% sequentially and 17% year-over-year, mainly from gains on mortgage loan sales and higher bank-owned life insurance income.
Noninterest expense was $37.4 million, up 2.8% sequentially and 6.5% year-over-year, with the efficiency ratio improving to 52.65%.
Pre-provision net revenues increased 16.4% to $33.6 million quarter-over-quarter.
Credit loss expense dropped to $2.1 million, down $5.5 million from Q2 2025.
Outlook and guidance
Loan growth guidance raised to mid-single digits for the year, up from previous low to mid-single digit forecast.
Management highlights strong capital and liquidity positions, with ample resources to support growth and manage risks.
Focus remains on scaling C&I, residential, and SBA portfolios, broadening core deposits, and maintaining strong credit metrics.
Margin expansion expected to continue, though pace may be affected by deposit and loan growth dynamics.
Management remains focused on executing growth strategies, deepening client relationships, and optimizing the balance sheet for long-term value.
Impact of new markets on loan portfolio mix?
Sustainability of NIM expansion drivers?
Why did ACL increase with improving credit?
What are the key drivers for sustained loan growth?
Discuss factors impacting future NIM expansion.
Describe the strategy for managing asset quality.
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Next Hanmi Financial earnings date
Q4 202528 Jan, 2026
Next Hanmi Financial earnings date
Q4 202528 Jan, 2026
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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.
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