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Hanmi Financial (HAFC) Reports Q4 Earnings: What Key Metrics Have to Say
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Hanmi Financial (HAFC - Free Report) reported $71.18 million in revenue for the quarter ended December 2025, representing a year-over-year increase of 17.1%. EPS of $0.70 for the same period compares to $0.58 a year ago.
The reported revenue represents a surprise of +0.61% over the Zacks Consensus Estimate of $70.75 million. With the consensus EPS estimate being $0.71, the EPS surprise was -0.95%.
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.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
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: 55% compared to the 53.1% average estimate based on two analysts.
Net interest margin: 3.3% compared to the 3.3% average estimate based on two analysts.
Net loan charge-offs (recoveries) to average loans: 0.1% versus 0.1% estimated by two analysts on average.
Total noninterest income: $8.3 million compared to the $8.08 million average estimate based on two analysts.
Shares of Hanmi Financial have returned +3.3% over the past month versus the Zacks S&P 500 composite's +0.4% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Hanmi Financial (HAFC) Reports Q4 Earnings: What Key Metrics Have to Say
Hanmi Financial (HAFC - Free Report) reported $71.18 million in revenue for the quarter ended December 2025, representing a year-over-year increase of 17.1%. EPS of $0.70 for the same period compares to $0.58 a year ago.
The reported revenue represents a surprise of +0.61% over the Zacks Consensus Estimate of $70.75 million. With the consensus EPS estimate being $0.71, the EPS surprise was -0.95%.
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.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
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:View all Key Company Metrics for Hanmi Financial here>>>
Shares of Hanmi Financial have returned +3.3% over the past month versus the Zacks S&P 500 composite's +0.4% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.