Hanmi Financial Q4 EPS $0.70, FY25 EPS $2.51 up 22% YoY; NIM expands to 3.28%

HANMI FINANCIAL CORP

2025-FY EPS reported $2.51 revenue$270,165,000

Net income Q4 $21.2M ($0.70 diluted EPS) vs $22.1M ($0.73) in Q3; FY25 net income $76.1M ($2.51) up 22% from $62.2M ($2.05) in FY24.
Net interest margin (taxable equivalent) expanded 6 bps to 3.28%; loans receivable $6.56B, up 0.5% QoQ.
Nonperforming loans to total loans improved 2 bps to 0.28%; credit loss expense $1.9M vs $2.1M in Q3.
Return on avg assets 1.07%, ROE 10.14%; tangible common equity to tangible assets 9.99%.
CEO highlights 36% increase in loan production, 25% C&I loan growth, and 30.2% noninterest-bearing deposits.

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