Hanmi Financial Corporation (HAFC) Income Statement
HAFC 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsHAFC revenue and net income
Where HAFC's revenue goes
2025Each bar shows an amount and its share of revenue. HAFC kept 17.1% of revenue as net income.
HAFC profit margins
HAFC growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +3.5% | +13.0% | +10.9% | +7.7% |
| Gross profit | +11.6% | −1.9% | +7.6% | +2.1% |
| Operating income | +21.8% | −8.5% | +12.6% | +1.6% |
| Net income | +22.3% | −9.1% | +12.5% | +3.5% |
| EPS (diluted) | +22.4% | −8.9% | +12.7% | +4.0% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
HAFC quarterly EPS vs estimates
Hanmi Financial beat the analyst EPS estimate in 7 of the last 8 quarters. Next report: October 27, 2026 (estimate $0.81).
HAFC income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $444.7M | $429.5M | $397.6M | $308.0M | $256.8M | $265.6M | $273.1M | $258.9M | $242.7M | $211.5M |
| Cost of revenue | $189.2M | $200.4M | $152.4M | $37.0M | −$2.8M | $88.4M | $101.1M | $57.4M | $33.4M | $13.9M |
| Gross profit | $255.6M | $229.1M | $245.2M | $271.0M | $259.6M | $177.1M | $172.0M | $201.5M | $209.4M | $197.6M |
| Research & development | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Sales, general & admin | $10.6M | $86.4M | $84.5M | $79.8M | $75.2M | $69.7M | $71.7M | $73.5M | $71.9M | $67.9M |
| Total operating expenses | $147.6M | $140.5M | $130.6M | $130.3M | $124.1M | $117.6M | $124.7M | $117.6M | $114.1M | $108.2M |
| Operating income | $107.9M | $88.6M | $114.6M | $140.7M | $135.5M | $59.5M | $47.3M | $84.0M | $95.3M | $89.4M |
| Interest income | $409.5M | $397.3M | $353.2M | $272.8M | $215.7M | $223.0M | $245.6M | $233.0M | $208.1M | $176.0M |
| Interest expense | $174.7M | $196.0M | $148.1M | $36.2M | $21.6M | $43.0M | $70.9M | $53.4M | $32.5M | $18.3M |
| Income before taxes | $107.9M | $88.6M | $114.6M | $140.7M | $135.5M | $59.5M | $47.3M | $84.0M | $95.3M | $89.4M |
| Income taxes | $31.8M | $26.4M | $34.5M | $39.3M | $36.8M | $17.3M | $14.6M | $26.1M | $40.6M | $32.9M |
| Net income | $76.1M | $62.2M | $80.0M | $101.4M | $98.7M | $42.2M | $32.8M | $57.9M | $54.7M | $56.5M |
| EBITDA | $113.6M | $95.1M | $121.4M | $153.1M | $151.6M | $70.4M | $56.9M | $95.1M | $108.1M | $104.0M |
| EPS (diluted) | $2.51 | $2.05 | $2.62 | $3.32 | $3.21 | $1.38 | $1.28 | $1.93 | $1.67 | $1.71 |
| Gross margin | 57.5% | 53.3% | 61.7% | 88.0% | 101.1% | 66.7% | 63.0% | 77.8% | 86.3% | 93.4% |
| Operating margin | 24.3% | 20.6% | 28.8% | 45.7% | 52.8% | 22.4% | 17.3% | 32.4% | 39.3% | 42.3% |
| Net margin | 17.1% | 14.5% | 20.1% | 32.9% | 38.4% | 15.9% | 12.0% | 22.4% | 22.5% | 26.7% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $55.6M | $102.2M | $112.9M | $115.1M | $109.4M | $107.0M | $107.5M | $108.0M | $106.7M | $107.3M | $103.9M | $101.3M |
| Cost of revenue | $38.9M | $38.9M | $44.2M | $46.3M | $51.8M | $46.9M | $47.6M | $52.7M | $51.0M | $49.2M | $41.2M | $44.4M |
| Gross profit | $16.6M | $63.2M | $68.8M | $68.8M | $57.6M | $60.1M | $59.9M | $55.3M | $55.7M | $58.2M | $62.7M | $56.9M |
| Sales, general & admin | $33.6M | $38.4M | $3.4M | $22.9M | $22.9M | $21.6M | $21.3M | $21.5M | $21.1M | $22.5M | $21.1M | $20.9M |
| Total operating expenses | $33.6M | $41.3M | $38.6M | $37.4M | $36.3M | $35.0M | $34.5M | $34.2M | $35.3M | $36.4M | $35.2M | $30.2M |
| Operating income | −$17.0M | $21.9M | $30.1M | $31.5M | $21.2M | $25.1M | $25.3M | $21.1M | $20.4M | $21.7M | $27.5M | $26.7M |
| Interest income | $103.1M | $101.3M | $104.8M | $104.9M | $101.0M | $98.9M | $99.8M | $100.1M | $98.3M | $99.2M | $96.8M | $93.8M |
| Interest expense | $39.5M | $38.9M | $42.2M | $44.1M | $44.2M | $44.2M | $46.7M | $50.4M | $50.0M | $48.9M | $44.0M | $39.2M |
| Income before taxes | $32.0M | $30.5M | $30.1M | $31.5M | $21.2M | $25.1M | $25.3M | $21.1M | $20.4M | $21.7M | $27.5M | $26.7M |
| Income taxes | $8.5M | $7.9M | $8.9M | $9.4M | $6.1M | $7.4M | $7.6M | $6.2M | $6.0M | $6.6M | $8.8M | $7.9M |
| Net income | $23.5M | $22.6M | $21.2M | $22.1M | $15.1M | $17.7M | $17.7M | $14.9M | $14.5M | $15.2M | $18.6M | $18.8M |
| EBITDA | −$16.1M | $22.8M | $31.0M | $30.7M | $22.9M | $26.7M | $26.9M | $22.8M | $22.1M | $23.3M | $31.6M | $28.4M |
| EPS (diluted) | $0.79 | $0.75 | $0.70 | $0.73 | $0.50 | $0.58 | $0.58 | $0.49 | $0.48 | $0.50 | $0.61 | $0.62 |
| Gross margin | 29.9% | 61.9% | 60.9% | 59.8% | 52.6% | 56.2% | 55.7% | 51.2% | 52.2% | 54.2% | 60.4% | 56.2% |
| Operating margin | −30.5% | 21.5% | 26.7% | 27.3% | 19.4% | 23.5% | 23.6% | 19.6% | 19.2% | 20.2% | 26.5% | 26.3% |
| Net margin | 42.3% | 22.1% | 18.8% | 19.2% | 13.8% | 16.5% | 16.5% | 13.8% | 13.5% | 14.1% | 17.9% | 18.6% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in HAFC's financial statements (latest annual report filed February 27, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
HAFC financial results
In fiscal year 2025 (ended December 31, 2025), Hanmi Financial reported revenue of $444.7 million, up 3.5% from the year before. It had net income of $76.1 million (up 22.3%), a net profit margin of 17.1%. Diluted earnings per share came to $2.51. Over five years revenue grew at an average rate of 10.9% a year.
See the HAFC stock overview for the latest quote and news, or the HAFC chart for price history and technical indicators.
HAFC income statement FAQ
What is Hanmi Financial's annual revenue?
Hanmi Financial reported total revenue of $444.7 million for fiscal year 2025, which ended on December 31, 2025. That was up 3.5% from $429.5 million the previous year.
Is Hanmi Financial profitable?
Yes. Hanmi Financial reported net income of $76.1 million in fiscal 2025, a net profit margin of 17.1%; its operating margin was 24.3%.
What is Hanmi Financial's gross margin?
Hanmi Financial's gross margin was 57.5% in fiscal 2025: for every $100 of revenue, Hanmi Financial kept $57 after the direct cost of its products and services.
How fast is Hanmi Financial growing?
Revenue grew 10.9% a year on average over the last five fiscal years, from $265.6 million to $444.7 million.
What are Hanmi Financial's earnings per share?
Hanmi Financial earned $2.51 per diluted share in fiscal 2025, compared with $2.05 a year earlier.
When will Hanmi Financial report its next earnings?
Hanmi Financial is expected to report results for the quarter ending September 30, 2026 on October 27, 2026 after the market closes.
When does Hanmi Financial's fiscal year end?
Hanmi Financial's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on February 27, 2026.