---
schema_version: "secwatch.filing_event.v1"
accession: "0001171843-26-000442"
form_type: "8-K"
ticker: "HAFC"
cik: "0001109242"
company_name: "HANMI FINANCIAL CORP"
filed_at: "2026-01-27T23:59:59+00:00"
generated_at: "2026-05-16T07:24:49.592846+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001171843-26-000442
- form_type: 8-K
- ticker: HAFC
- cik: 0001109242
- company_name: HANMI FINANCIAL CORP
- filed_at: 2026-01-27T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1109242/000117184326000442/0001171843-26-000442-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1109242/000117184326000442/f8k_012726.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-26-000442
- JSON: https://secwatch.observer/filing/0001171843-26-000442.json
- Plain text: https://secwatch.observer/filing/0001171843-26-000442.txt

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