Hanmi Financial (HAFC Quick QuoteHAFC - Free Report) reported $70.96 million in revenue for the quarter ended September 2025, representing a year-over-year increase of 21.3%. EPS of $0.73 for the same period compares to $0.49 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $68 million, representing a surprise of +4.35%. The company delivered an EPS surprise of +10.61%, with the consensus EPS estimate being $0.66.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Hanmi Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Efficiency Ratio: 52.7% compared to the 53.5% average estimate based on two analysts.
• Net interest margin: 3.2% versus the two-analyst average estimate of 3.1%.
• Net loan charge-offs (recoveries) to average loans: -0% versus 0.1% estimated by two analysts on average.
• Total noninterest income: $9.88 million versus $8.43 million estimated by two analysts on average.

View all Key Company Metrics for Hanmi Financial here>>>

Shares of Hanmi Financial have returned -3.9% over the past month versus the Zacks S&P 500 composite's +1.2% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.