---
schema_version: "secwatch.filing_event.v1"
accession: "0001171843-25-000475"
form_type: "8-K"
ticker: "HAFC"
cik: "0001109242"
company_name: "HANMI FINANCIAL CORP"
filed_at: "2025-01-28T23:59:59+00:00"
generated_at: "2026-05-27T07:55:36.221535+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Hanmi Financial Q4 net income $17.7M ($0.58 EPS), up 18.8% QoQ; NIM expands 17bps to 2.91%

## Summary
- Net income $17.7M, diluted EPS $0.58 vs Q3 $14.9M and $0.49; full-year 2024 net income $62.2M ($2.05) vs 2023 $80.0M ($2.62).
- Net interest margin (taxable-equivalent) up 17bps to 2.91%; net interest income $53.4M, up 6.8% from Q3.
- Loans $6.25B (flat QoQ); loan production $339M at 7.37% rate. Deposits $6.44B, up 0.5%, noninterest-bearing demand deposits 32.6% of total.
- Credit loss expense $0.9M (down from $2.3M); nonperforming loans down 7.9% to $14.3M, or 0.23% of loans.
- CEO: C&I loan portfolio grew 16% in 2024; noninterest-bearing demand deposits grew 5% for full year; NPA/total assets improved to 0.19%.

## SEC filing metadata
- accession: 0001171843-25-000475
- form_type: 8-K
- ticker: HAFC
- cik: 0001109242
- company_name: HANMI FINANCIAL CORP
- filed_at: 2025-01-28T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1109242/000117184325000475/0001171843-25-000475-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1109242/000117184325000475/f8k_012825.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-25-000475
- JSON: https://secwatch.observer/filing/0001171843-25-000475.json
- Plain text: https://secwatch.observer/filing/0001171843-25-000475.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.