Hanmi Financial Corporation, the holding company for Hanmi Bank, announced that it will release its fourth‑quarter 2025 financial results on Tuesday, January 27, 2026, and will host a conference call at 2:00 p.m. Pacific Time (5:00 p.m. Eastern Time) to discuss the results.
The announcement follows a strong third‑quarter performance, where the bank reported net income of $22.1 million, or $0.73 per diluted share, and net interest income of $61.1 million, up 6.9% from the second quarter. These figures set a high bar for the upcoming quarter, as investors will compare the Q4 results to the Q3 momentum and the Q4 2024 baseline of $17.7 million net income.
Analysts expect the Q4 2025 earnings to reflect continued loan growth in the commercial and industrial segments, driven by a robust demand for small‑ and middle‑market financing. Management highlighted that loan production accelerated to $570.8 million in Q3, and the bank anticipates similar growth in Q4, which should support net interest income and margin expansion.
The company also noted that its net interest margin has increased to 3.22% in Q3, up 15 basis points from the prior quarter, and that the margin is expected to remain stable or improve in Q4 as the bank benefits from higher loan yields and controlled funding costs. Management emphasized a focus on maintaining credit quality, with non‑performing loans remaining at 0.5% of total loans.
While the earnings release is still pending, the announcement signals Hanmi’s confidence in sustaining its growth trajectory and profitability. Investors will watch the Q4 results for confirmation of the bank’s ability to translate loan growth into earnings, as well as any guidance updates that could adjust expectations for the remainder of 2026.
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