What is Hanmi Financial's earnings per share (EPS)?

Hanmi Financial (HAFC) reported diluted earnings per share of $2.51 for fiscal year 2025. This represents a 22.4% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Hanmi Financial Financials

HAFC

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Hanmi Financial (HAFC) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 55/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Profitability

Hanmi Financial has an operating margin of 28.2%, meaning the company retains $28 of operating profit per $100 of revenue. This strong profitability earns a score of 85/100, reflecting efficient cost management and pricing power. This is up from 26.5% the prior year.

Growth

Hanmi Financial's revenue surged 15.3% year-over-year to $270.2M, reflecting rapid business expansion. This strong growth earns a score of 59/100.

Leverage

Hanmi Financial has elevated debt relative to equity (D/E of 8.88), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

100

Hanmi Financial converts 75.4% of revenue into free cash flow ($203.7M). This strong cash generation earns a score of 100/100.

Returns

Hanmi Financial's ROE of 9.6% shows moderate profitability relative to equity, earning a score of 32/100. This is up from 8.5% the prior year.

Piotroski F-Score Neutral

6/9

Hanmi Financial passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

2.71x

For every $1 of reported earnings, Hanmi Financial generates $2.71 in operating cash flow ($206.0M OCF vs $76.1M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Interest Coverage At Risk

0.4x

Hanmi Financial earns $0.4 in operating income for every $1 of interest expense ($76.1M vs $174.7M). This narrow margin raises concern about the company's ability to service its debt if operating income declines.

Key Financial Metrics

Export CSV

Earnings & Revenue

Revenue

$270.2M

YoY+15.3%

5Y CAGR+3.8%

10Y CAGR+5.1%

Hanmi Financial generated $270.2M in revenue in fiscal year 2025. This represents an increase of 15.3% from the prior year.

EBITDA

$79.4M

YoY+21.4%

Hanmi Financial's EBITDA was $79.4M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 21.4% from the prior year.

Net Income

$76.1M

YoY+22.3%

5Y CAGR+12.5%

10Y CAGR+3.5%

Hanmi Financial reported $76.1M in net income in fiscal year 2025. This represents an increase of 22.3% from the prior year.

EPS (Diluted)

$2.51

YoY+22.4%

5Y CAGR+12.7%

10Y CAGR+4.1%

Hanmi Financial earned $2.51 per diluted share (EPS) in fiscal year 2025. This represents an increase of 22.4% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$203.7M

YoY+307.9%

5Y CAGR+29.6%

10Y CAGR+12.0%

Hanmi Financial generated $203.7M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 307.9% from the prior year.

Cash & Debt

$212.8M

YoY-30.2%

5Y CAGR-11.5%

Hanmi Financial held $212.8M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.08

YoY+8.0%

5Y CAGR+15.7%

Hanmi Financial paid $1.08 per share in dividends in fiscal year 2025. This represents an increase of 8.0% from the prior year.

Shares Outstanding

30M

YoY-1.0%

5Y CAGR-0.5%

10Y CAGR-0.7%

Hanmi Financial had 30M shares outstanding in fiscal year 2025. This represents a decrease of 1.0% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

28.2%

YoY+1.6pp

Hanmi Financial's operating margin was 28.2% in fiscal year 2025, reflecting core business profitability. This is up 1.6 percentage points from the prior year.

Net Margin

28.2%

YoY+1.6pp

5Y CAGR+9.3pp

10Y CAGR-4.6pp

Hanmi Financial's net profit margin was 28.2% in fiscal year 2025, showing the share of revenue converted to profit. This is up 1.6 percentage points from the prior year.

Return on Equity

9.6%

YoY+1.0pp

5Y CAGR+2.2pp

10Y CAGR-1.3pp

Hanmi Financial's ROE was 9.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 1.0 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$9.4M

YoY+48.9%

5Y CAGR+33.8%

Hanmi Financial spent $9.4M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 48.9% from the prior year.

Capital Expenditures

$2.3M

YoY-11.9%

5Y CAGR-12.1%

10Y CAGR+7.2%

Hanmi Financial invested $2.3M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 11.9% from the prior year.

HAFC Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$270.2M+15.3%	$234.4M-8.3%	$255.4M-6.0%	$271.8M+25.5%	$216.7M-3.2%	$223.9M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	$76.1M+22.3%	$62.2M-22.3%	$80.0M-21.1%	$101.4M	N/A	N/A
Interest Expense	$174.7M-10.9%	$196.0M+32.4%	$148.1M+309.4%	$36.2M+67.2%	$21.6M-49.7%	$43.0M
Income Tax	$31.8M+20.6%	$26.4M-23.6%	$34.5M-12.2%	$39.3M+6.8%	$36.8M+112.8%	$17.3M
Net Income	$76.1M+22.3%	$62.2M-22.3%	$80.0M-21.1%	$101.4M+2.8%	$98.7M+133.9%	$42.2M
EPS (Diluted)	$2.51+22.4%	$2.05-21.8%	$2.62-21.1%	$3.32+3.1%	$3.22+133.3%	$1.38

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$71.2M+0.3%	$71.0M+8.8%	$65.2M+3.8%	$62.8M+3.3%	$60.8M+4.0%	$58.5M+3.2%	$56.7M-2.9%	$58.4M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	$21.2M-3.7%	$22.1M+45.9%	$15.1M-14.5%	$17.7M-0.1%	$17.7M+18.8%	$14.9M+3.1%	$14.5M-4.7%	$15.2M
Interest Expense	$42.2M-4.3%	$44.1M-0.1%	$44.2M+0.1%	$44.2M-5.4%	$46.7M-7.4%	$50.4M+0.7%	$50.0M+2.2%	$48.9M
Income Tax	$8.9M-5.4%	$9.4M+53.7%	$6.1M-17.8%	$7.4M-2.5%	$7.6M+22.5%	$6.2M+4.0%	$6.0M-8.6%	$6.6M
Net Income	$21.2M-3.7%	$22.1M+45.9%	$15.1M-14.5%	$17.7M-0.1%	$17.7M+18.8%	$14.9M+3.1%	$14.5M-4.7%	$15.2M
EPS (Diluted)	N/A	$0.73+46.0%	$0.50-13.8%	$0.58	N/A	$0.49+2.1%	$0.48-4.0%	$0.50

HAFC Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$7.9B+2.5%	$7.7B+1.4%	$7.6B+2.6%	$7.4B+7.6%	$6.9B+10.6%	$6.2B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$212.8M-30.2%	$304.8M+0.8%	$302.3M-14.2%	$352.4M-42.1%	$609.0M+55.4%	$391.8M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$11.0M0.0%	$11.0M0.0%	$11.0M0.0%	$11.0M0.0%	$11.0M0.0%	$11.0M
Total Liabilities	$7.1B+1.8%	$6.9B+1.1%	$6.9B+1.9%	$6.7B+8.5%	$6.2B+10.5%	$5.6B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$796.4M+8.8%	$732.2M+4.3%	$701.9M+10.1%	$637.5M-0.9%	$643.4M+11.5%	$577.0M
Retained Earnings	$394.3M+12.4%	$350.9M+10.0%	$319.0M+18.4%	$269.5M+37.0%	$196.8M+71.7%	$114.6M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$7.9B+0.2%	$7.9B-0.1%	$7.9B+1.7%	$7.7B+0.7%	$7.7B-0.4%	$7.7B+1.7%	$7.6B+1.0%	$7.5B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$212.8M-1.3%	$215.7M-43.3%	$380.1M+15.5%	$329.0M+7.9%	$304.8M+5.9%	$287.8M-8.1%	$313.1M+22.3%	$256.0M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$11.0M+0.3%	$11.0M0.0%	$11.0M-0.3%	$11.0M0.0%	$11.0M0.0%	$11.0M0.0%	$11.0M0.0%	$11.0M
Total Liabilities	$7.1B-0.1%	$7.1B-0.3%	$7.1B+1.7%	$7.0B+0.5%	$6.9B-0.4%	$7.0B+1.4%	$6.9B+1.0%	$6.8B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$796.4M+2.2%	$779.5M+2.2%	$762.8M+1.5%	$751.5M+2.6%	$732.2M-0.6%	$736.7M+4.2%	$707.1M+0.6%	$703.1M
Retained Earnings	$394.3M+3.5%	$381.2M+3.8%	$367.3M+1.9%	$360.3M+2.7%	$350.9M+3.0%	$340.7M+2.2%	$333.4M+2.1%	$326.5M

HAFC Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$206.0M+292.0%	$52.6M-51.9%	$109.3M-25.8%	$147.3M+57.2%	$93.7M+55.7%	$60.2M
Capital Expenditures	$2.3M-11.9%	$2.6M+8.3%	$2.4M+25.6%	$1.9M-29.3%	$2.7M-38.0%	$4.4M
Free Cash Flow	$203.7M+307.9%	$49.9M-53.3%	$106.8M-26.5%	$145.4M+59.8%	$91.0M+63.1%	$55.8M
Investing Cash Flow	-$384.3M-262.3%	-$106.1M+49.8%	-$211.4M+76.0%	-$881.5M-97.2%	-$447.0M-9.7%	-$407.6M
Financing Cash Flow	$86.4M+54.2%	$56.0M+7.5%	$52.1M-89.1%	$477.7M-16.3%	$570.4M-7.6%	$617.6M
Dividends Paid	$32.6M+7.4%	$30.4M-0.5%	$30.5M+6.6%	$28.6M+73.4%	$16.5M+3.5%	$16.0M
Share Buybacks	$9.4M+48.9%	$6.3M+54.6%	$4.1M	N/A	$6.1M+179.4%	$2.2M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$52.2M-64.4%	$146.9M+873.6%	-$19.0M-173.5%	$25.8M+87.3%	$13.8M+105.2%	$6.7M+227.9%	$2.1M-93.2%	$30.0M
Capital Expenditures	$915K+63.4%	$560K-1.6%	$569K+116.3%	$263K-68.7%	$840K+287.1%	$217K-71.8%	$769K-3.1%	$794K
Free Cash Flow	$51.3M-64.9%	$146.4M+848.2%	-$19.6M-176.5%	$25.6M+97.4%	$13.0M+99.1%	$6.5M+407.6%	$1.3M-95.6%	$29.2M
Investing Cash Flow	-$43.5M+84.0%	-$271.0M-588.4%	-$39.4M-29.1%	-$30.5M-293.7%	$15.7M+115.1%	-$104.4M-1214.1%	-$7.9M+16.2%	-$9.5M
Financing Cash Flow	-$11.6M+71.3%	-$40.3M-136.9%	$109.4M+279.3%	$28.8M+330.6%	-$12.5M-117.3%	$72.4M+15.0%	$62.9M+194.2%	-$66.8M
Dividends Paid	$8.1M-0.5%	$8.1M-1.5%	$8.3M+1.2%	$8.2M+8.1%	$7.5M-0.3%	$7.6M-0.3%	$7.6M-1.3%	$7.7M
Share Buybacks	$2.0M-58.1%	$4.7M+187.7%	$1.6M+44.8%	$1.1M+103.1%	$554K-61.4%	$1.4M-47.5%	$2.7M+71.4%	$1.6M

HAFC Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	28.2%+1.6pp	26.5%-4.8pp	31.3%-6.0pp	37.3%	N/A	N/A
Net Margin	28.2%+1.6pp	26.5%-4.8pp	31.3%-6.0pp	37.3%-8.2pp	45.5%+26.7pp	18.9%
Return on Equity	9.6%+1.0pp	8.5%-2.9pp	11.4%-4.5pp	15.9%+0.6pp	15.3%+8.0pp	7.3%
Return on Assets	1.0%+0.2pp	0.8%-0.3pp	1.1%-0.3pp	1.4%-0.1pp	1.4%+0.8pp	0.7%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.88-0.6	9.49-0.3	9.79-0.8	10.57+0.9	9.66-0.1	9.75
FCF Margin	75.4%+54.1pp	21.3%-20.5pp	41.8%-11.7pp	53.5%+11.5pp	42.0%+17.1pp	24.9%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	29.8%-1.3pp	31.1%+7.9pp	23.2%-4.9pp	28.1%-1.0pp	29.1%+3.6pp	25.5%-0.0pp	25.5%-0.5pp	26.0%
Net Margin	29.8%-1.3pp	31.1%+7.9pp	23.2%-4.9pp	28.1%-1.0pp	29.1%+3.6pp	25.5%-0.0pp	25.5%-0.5pp	26.0%
Return on Equity	2.7%-0.2pp	2.8%+0.8pp	2.0%-0.4pp	2.4%-0.1pp	2.4%+0.4pp	2.0%-0.0pp	2.0%-0.1pp	2.2%
Return on Assets	0.3%0.0pp	0.3%+0.1pp	0.2%-0.0pp	0.2%0.0pp	0.2%+0.0pp	0.2%0.0pp	0.2%-0.0pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.88-0.2	9.08-0.2	9.31+0.0	9.29-0.2	9.49+0.0	9.47-0.3	9.73+0.0	9.68
FCF Margin	72.1%-134.1pp	206.3%+236.2pp	-30.0%-70.7pp	40.7%+19.4pp	21.3%+10.2pp	11.1%+8.9pp	2.3%-47.7pp	50.0%

Similar Companies

Metrocity Bankshares Inc MCBS

$844.3M

Great Southn Bancorp Inc GSBC

$702.5M

FIVE STAR BANCORP FSBC

$818.9M

Hbt Financial, Inc. HBT

$999.1M

Trustco Bk Corp N Y TRST

$788.5M

Frequently Asked Questions

What is Hanmi Financial's annual revenue?

Hanmi Financial (HAFC) reported $270.2M in total revenue for fiscal year 2025. This represents a 15.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Hanmi Financial's revenue growing?

Hanmi Financial (HAFC) revenue grew by 15.3% year-over-year, from $234.4M to $270.2M in fiscal year 2025.

Is Hanmi Financial profitable?

Yes, Hanmi Financial (HAFC) reported a net income of $76.1M in fiscal year 2025, with a net profit margin of 28.2%.

What is Hanmi Financial's EBITDA?

Hanmi Financial (HAFC) had EBITDA of $79.4M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

What is Hanmi Financial's operating margin?

Hanmi Financial (HAFC) had an operating margin of 28.2% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

What is Hanmi Financial's net profit margin?

Hanmi Financial (HAFC) had a net profit margin of 28.2% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Hanmi Financial pay dividends?

Yes, Hanmi Financial (HAFC) paid $1.08 per share in dividends during fiscal year 2025.

What is Hanmi Financial's return on equity (ROE)?

Hanmi Financial (HAFC) has a return on equity of 9.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Hanmi Financial's free cash flow?

Hanmi Financial (HAFC) generated $203.7M in free cash flow during fiscal year 2025. This represents a 307.9% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Hanmi Financial's operating cash flow?

Hanmi Financial (HAFC) generated $206.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Hanmi Financial's total assets?

Hanmi Financial (HAFC) had $7.9B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Hanmi Financial's capital expenditures?

Hanmi Financial (HAFC) invested $2.3M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Hanmi Financial buy back shares?

Yes, Hanmi Financial (HAFC) spent $9.4M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Hanmi Financial have outstanding?

Hanmi Financial (HAFC) had 30M shares outstanding as of fiscal year 2025.

What is Hanmi Financial's debt-to-equity ratio?

Hanmi Financial (HAFC) had a debt-to-equity ratio of 8.88 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Hanmi Financial's return on assets (ROA)?

Hanmi Financial (HAFC) had a return on assets of 1.0% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Hanmi Financial's Piotroski F-Score?

Hanmi Financial (HAFC) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Hanmi Financial's earnings high quality?

Hanmi Financial (HAFC) has an earnings quality ratio of 2.71x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

Can Hanmi Financial cover its interest payments?

Hanmi Financial (HAFC) has an interest coverage ratio of 0.4x, meaning it can struggle to cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.

How financially healthy is Hanmi Financial?

Hanmi Financial (HAFC) scores 55 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.