The combination of margin expansion, improved asset quality, and strong capital return suggests sustainable momentum; monitor next quarter's loan production and margin trends for continuation of this positive trajectory.
Price Chart
Executive Summary
Hanmi Financial reported Q1 2026 earnings with $0.75 diluted EPS, beating consensus of $0.70 by 7.1%, driven by net interest margin expansion and higher SBA loan sale gains. The company raised its capital return program to $13.4M and strengthened capital ratios, while asset quality improved with nonperforming assets falling to 0.16% of total assets.
Key Financial Metrics
Key Facts
- EPS of $0.75 beat consensus of $0.70 by $0.05 (7.1% beat)
- Net interest margin expanded 10 basis points to 3.38% due to lower deposit costs
- Deposits grew 1.8% to $6.80 billion with noninterest-bearing deposits stable at 29.9%
- Asset quality improved with nonperforming assets falling to 0.16% of total assets
- Company returned $13.4 million to shareholders through dividends and share repurchases
Financial Impact
$22.6 million net income, $0.75 EPS, 3.38% net interest margin
Risk Factors
- Credit loss expense increased 48.8% to $2.9 million, primarily from a $3.2 million provision for loan losses
- Criticized loans rose to 1.78% of total loans, driven by a $21.2 million commercial real estate loan downgrade
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 7 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001171843-26-002616 |
| Exhibit: exh_992.htm | 0001171843-26-002616 |
| Document: f8k_042126.htm | 0001171843-26-002616 |
| Document: 0001171843-26-002616-index-headers.html | 0001171843-26-002616 |
| Document: 0001171843-26-002616-index.html | 0001171843-26-002616 |
| Document: 0001171843-26-002616.txt | 0001171843-26-002616 |
| 8-K Data (Synthetic) | 0001171843-26-002616 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 13, 2026 13d ago | Press Release | $30.49 | awaiting T+60 | — | $32.17 (+5.51%) |
Aug 17, 2026 10w ago | 8-K | $32.20 | awaiting T+60 | — | $32.17 (−0.09%) |
Aug 11, 2026 10w ago | 8-K | $31.97 | awaiting T+60 | — | $32.17 (+0.63%) |
Jul 27, 2026 13w ago | 8-K | $31.82 $31.50 | ▼ −1.01% | ▼ −5.36% | $32.17 (+1.10%) |
Jul 23, 2026 13w ago | 8-K | $32.22 $30.94 | ▼ −3.97% | ▼ −8.53% | $32.17 (−0.16%) |
Jul 21, 2026 13w ago | Press Release | $31.40 $30.94 | ▼ −1.47% | ▼ −4.73% | $32.17 (+2.45%) |
Apr 29, 2026 25w ago | DEFA14A | $29.63 $31.64 | ▲ +6.78% | ▲ +3.67% | $32.17 (+8.56%) |
Apr 23, 2026 26w ago | 8-K | $29.47 $32.19 | ▲ +9.22% | ▲ +4.20% | $32.17 (+9.15%) |
Apr 21, 2026 26w ago | 8-K | $29.30 $32.63 | ▲ +11.38% | ▲ +6.60% | $32.17 (+9.81%) |
Apr 21, 2026 26w ago | Press Release | $29.30 $32.63 | ▲ +11.38% | ▲ +6.60% | $32.17 (+9.81%) |
US Market Status
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