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Hanmi Financial HAFC Business Segments — Provision For Other Credit Losses

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Other financials

Income statement

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Revenue$72.2M+10.7%
Operating income$23.5M+55.5%
Net income$23.5M+55.5%
EPS (diluted)$0.79+58.0%

Balance sheet

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Total debt$36.1M-6.6%
Total equity$812.7M+6.5%
Total assets$8.0B+1.8%

Cash flow

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Operating cash flow$23.9M-9.4%
CapEx$1.1M+92.1%
Free cash flow$23.4M-10.4%

Valuation

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Market cap$939.29M+36.3%
P/E10.5×0.0×
P/S3.3×+0.5×

Profitability

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Operating margin29.1%
Net margin31.2%+4.8pp
FCF margin78.8%+59.2pp

Returns & leverage

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Return on equity11.3%+2.4pp
Debt / equity0.0×

Where this comes from

Reported directly by Hanmi Financial in its filing.

Tagged under the XBRL concept us-gaap:ProvisionForOtherCreditLosses.

The source filing: Hanmi Financial’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 12:06 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001193125-26-339697
Line itemBanking Segment / Three Months Ended June 30, 2026Banking Segment / Three Months Ended June 30, 2025
Other revenues
Total consolidated revenues72,20565,210
Less:
Credit loss expense1,1867,631
Noninterest expenses39,03936,347
Income tax expense8,4756,115
Segment net income23,50515,117
Reconciliation of profit:

Item 1. Financial Statements

FAQ

What is Hanmi Financial's business segments — provision for other credit losses?
Hanmi Financial (HAFC) reported business segments — provision for other credit losses of $1.19M in Q2 2026.
How has Hanmi Financial's business segments — provision for other credit losses changed year-over-year?
Hanmi Financial's business segments — provision for other credit losses decreased by 84.5% year-over-year, from $7.63M to $1.19M.
What is the long-term trend for Hanmi Financial's business segments — provision for other credit losses?
Over 3 years (2022 to 2025), Hanmi Financial's business segments — provision for other credit losses has grown at a 158.5% compound annual growth rate (CAGR), from $836K to $14.44M.
What does business segments — provision for other credit losses mean?
This represents the expense set aside to cover potential losses from loans that may become uncollectible. It is a critical indicator of the bank's credit risk management and the perceived quality of its loan portfolio. Higher provisions often signal management's expectation of deteriorating credit conditions or portfolio growth.

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