Earning Analysis
Welcome to our in-depth analysis of Hanmi Financial Corp(HAFC) earnings, offering investors a detailed look into the company’s financial performance, revenue trends, earnings per share (EPS), and market reactions. This page provides a comprehensive overview of Hanmi Financial Corp earnings history, forecasts, and key financial metrics, empowering you with the data needed to make informed investment decisions. Whether you're tracking quarterly results, analyzing earnings surprises, or exploring future projections, our detailed breakdown covers it all.
Earnings Forecast
Revenue
EPS
Currency: USD
Actual
Estimate
Surprise Analysis
| FY2025Q3 | 2025-10-21 | After Hours | 0.66 | 0.73 | +10.61 | 68.03M | 70.96M | +4.30 | +8.22 | +11.21 |
| FY2025Q2 | 2025-07-22 | After Hours | 0.62 | 0.50 | -19.35 | 65.70M | 65.21M | -0.75 | -11.29 | -9.61 |
| FY2024Q4 | 2025-01-28 | After Hours | 0.53 | 0.58 | +9.43 | 61.57M | 60.81M | -1.24 | +7.21 | +6.99 |
| FY2024Q3 | 2024-10-22 | After Hours | 0.49 | 0.49 | - | 59.10M | 58.49M | -1.03 | +7.10 | +13.91 |
| FY2024Q2 | 2024-07-23 | - | 0.48 | 0.48 | - | 58.70M | 56.68M | -3.45 | +3.24 | -0.90 |
| FY2024Q1 | 2024-04-23 | - | 0.52 | 0.50 | -3.85 | 58.93M | 58.39M | -0.91 | +2.83 | +2.37 |
| FY2023Q4 | 2024-01-23 | - | 0.60 | 0.61 | +1.67 | 63.20M | 59.82M | -5.35 | -2.07 | -8.42 |
| FY2023Q3 | 2023-10-24 | - | 0.61 | 0.62 | +1.64 | 62.78M | 66.08M | +5.27 | -2.02 | -1.61 |
| - | 2023-07-25 | - | 0.64 | 0.67 | +4.69 | - | - | - | +0.17 | +7.04 |
| - | 2023-04-25 | - | 0.77 | 0.72 | -6.49 | - | - | - | -3.69 | -12.47 |
HAFC Earnings Analysis
Our earnings analysis provides a granular look at the company’s performance across recent fiscal quarters, highlighting key metrics such as revenue, EPS, and operating margins. By examining actual results against analyst estimates, we uncover trends and surprises that drive stock price movements, offering valuable insights for both short-term traders and long-term investors.
In the most recent quarter, Hanmi Financial Corp reported performance for FY2025Q3, announced on 2025-10-21. The company achieved an EPS of 0.73, compared to analyst estimates of 0.66 by 10.61% . Revenue for the quarter reached 70.96M compared to expectations of 68.03M by 4.30% .
The stock price reacted with a 8.22% one-day change and a 11.21% five-day change following the earnings release. These movements reflect market reaction in Hanmi Financial Corp growth trajectory and strategic initiatives.
HAFC Earnings Forecast
Looking ahead, Hanmi Financial Corp(HAFC) remains a focal point for investors seeking growth opportunities. Analyst forecasts for 2025/Q4 project quarter revenue of 71.40M and an EPS of 0.70.
However, recent estimate revisions provide additional context. Over the past three months, revenue estimates for FY2025 have been Revise Upward by 2.07%, while EPS estimates have been Revise Upward by 5.45%. For the upcoming Q4 2025, revenue estimates have been adjusted Revise Upward by 4.03% . These revisions correlate with a 13.07% change in stock price over the same period, suggesting potential buying opportunities for investors who believe in Hanmi Financial Corp long-term fundamentals.
The relationship between earnings forecast revisions and stock price movements is critical for investors. Positive revisions in revenue or EPS often signal strengthening fundamentals, making temporary price dips attractive entry points. Conversely, downward revisions may reflect short-term challenges.
Estimate Revision
The chart shows the correlation between HAFC's stock price and earnings forecast revisions. Positive revisions in Revenue or EPS often strengthen the stock's fundamentals, making price dips potential buying opportunities.
Revenue Estimates for FY2025
Revise Upward
+2.07%
In Past 3 Month
EPS Estimates for FY2025
Revise Upward
+5.45%
In Past 3 Month
Revenue Estimates for Q4 2025
Revise Upward
+4.03%
In Past 3 Month
Stock Price
Go Up
+13.07%
In Past 3 Month
1Y
3Y
5Y
Annual FY 2025
Currency: USD
1Y
3Y
5Y
--
Revenue Estimate-Annual FY 2025:269.63M
--
EPS Estimate-Annual FY 2025:2.52
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Stock Price28.20
HAFC Revenue and EPS Performance: A Historical Perspective
Hanmi Financial Corp revenue and earnings per share (EPS) performance over recent quarters provides a clear picture of its financial health. Below is a detailed breakdown of the company’s earnings history, showcasing actual results, analyst estimates, and surprise percentages for key fiscal quarters:
FY2025Q3 (2025-10-21,After Hours):
EPS: 0.73 (Actual) vs.0.66 (Estimate) (10.61%)
Revenue: 70.96M (Actual) vs. 68.03M (Estimate) (4.30%)
Price Reaction: 8.22%(1-Day), 11.21%(5-Day)
FY2025Q2 (2025-07-22,After Hours):
EPS: 0.50 (Actual) vs.0.62 (Estimate) (-19.35%)
Revenue: 65.21M (Actual) vs. 65.70M (Estimate) (-0.75%)
Price Reaction: -11.29%(1-Day), -9.61%(5-Day)
FY2024Q4 (2025-01-28,After Hours):
EPS: 0.58 (Actual) vs.0.53 (Estimate) (9.43%)
Revenue: 60.81M (Actual) vs. 61.57M (Estimate) (-1.24%)
Price Reaction: 7.21%(1-Day), 6.99%(5-Day)
Earnings Reaction
The chart below shows how HAFC performed 10 days before and after its earnings report, based on data from the past quarters. Typically, HAFC sees a -2.50% change in stock price 10 days leading up to the earnings, and a -0.82% change 10 days following the report. On the earnings day itself, the stock moves by +0.08%. This data can give you a slight idea of what to expect for the next quarter's release.
For example, in SEP/2025, the stock changed 8.22% on the day following the earnings release and then changed by 8.55% over the next 10 days. These patterns provide investors with valuable insights into potential price movements and help inform trading strategies around earnings events.
Transcript Summary
Hanmi Financial Corp (HAFC) Q3 2025 Earnings Call Summary
Positive
2025-10-21
The earnings call indicates strong financial performance with increased net income, improved asset quality, and strategic growth in loan and deposit balances. The company has a solid shareholder return plan with dividends and share repurchases. Despite some uncertainties in the USKC initiative and competitive pressures, the overall sentiment is positive, driven by strong earnings and optimistic guidance. The Q&A section reinforced positive aspects, such as proactive asset management and potential growth opportunities in the US market expansion. These factors suggest a positive stock price movement over the next two weeks.
Hanmi Financial Corp (HAFC) Q2 2025 Earnings Call Summary
Positive
2025-07-22
The earnings call shows strong financial performance with increased net income, improved net interest margin, and deposit growth. The Q&A section reveals a positive outlook on loan growth and credit quality. Although there is some uncertainty in share buybacks and reserve levels, the overall sentiment is optimistic, supported by strong residential mortgage loan production and a stable expense outlook. No major risks or negative trends were identified, leading to a positive sentiment rating.
Hanmi Financial Corp (HAFC) Q1 2025 Earnings Call Summary
Neutral
2025-04-22
The earnings call showed mixed signals: strong financial performance with a 17% net income increase and a dividend hike, but challenges like a downgraded CRE loan and competitive pressures. The Q&A highlighted uncertainties with tariffs and economic conditions, and unclear guidance on share repurchases. These factors balance out, suggesting a neutral stock price movement.
Hanmi Financial Corp (HAFC) Q4 2024 Earnings Call Summary
Neutral
2025-02-01
The earnings call reveals mixed signals: while there is a modest increase in net income and a positive dividend increase, there are concerns over rising expenses and flat loan production. The Q&A section highlights management's reluctance to provide clear guidance on deposit competition and loan growth, adding uncertainty. Despite some positive indicators like C&I portfolio growth and improved non-performing assets, the lack of strong guidance and market condition dependencies suggest a neutral outlook for the stock price in the near term.
Hanmi Financial Corporation (HAFC) Q2 2024 Earnings Call Summary
Positive
2024-07-23
The earnings call shows positive financial performance with net income and EPS growth, a stable ROAA and ROE, and increased new loan production. Despite a slight decline in net interest income and margin, the company maintains strong capital ratios and asset quality. The share repurchase program is a positive catalyst, and management's optimism in peaking deposit rates and branch optimization further supports a positive outlook. However, the high interest rate environment and economic uncertainties pose risks. Overall, the sentiment is positive, likely leading to a stock price increase of 2% to 8%.
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FAQ
What were the key highlights of HAFC’s latest earnings report for FY2025Q3?
How did HAFC’s stock price react after the FY2025Q3 earnings release?
What are the revenue and EPS estimates for HAFC for 2025/Q4?
How does HAFC’s stock price correlate with earnings forecast revisions?
What should investors expect from HAFC’s next earnings report?