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Hanmi Financial HAFC Net Interest Income

Net Interest Income at other companies

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$25.51B+9.9%
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$16B+9.0%
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PCB BancorpPCB
$27.49M+5.8%
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$20.07M+1.8%
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MetroCity BanksharesMCBS
$44.04M+36.9%
Equity Bancshares logo
Equity BancsharesEQBK
$73.87M+48.3%

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$954.11M+40.4%
P/E10.7×+0.3×
P/S3.3×+0.6×

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:InterestIncomeExpenseNet.

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 itemThree Months Ended / June 30, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
Interest on borrowings1546848302,708
Interest on subordinated debentures1,5371,5863,0723,167
Total interest expense39,46544,19478,41488,358
Net interest income before credit loss expense63,85757,139127,060112,231
Credit loss expense1,1867,6314,07810,352
Net interest income after credit loss expense62,67149,508122,982101,879
Noninterest income:
Service charges on deposit accounts2,1022,1694,2294,387

Item 1. Financial Statements

FAQ

What is Hanmi Financial's net interest income?
Hanmi Financial (HAFC) reported net interest income of $63.86M in Q2 2026.
How has Hanmi Financial's net interest income changed year-over-year?
Hanmi Financial's net interest income increased by 11.8% year-over-year, from $57.14M to $63.86M.
What is the long-term trend for Hanmi Financial's net interest income?
Over 4 years (2021 to 2025), Hanmi Financial's net interest income has grown at a 4.9% compound annual growth rate (CAGR), from $195.05M to $236.19M.
What does net interest income mean?
This is the difference between interest earned on assets, such as loans and securities, and interest paid on liabilities, such as deposits and borrowings. It represents the primary core earnings driver for a bank. A higher net interest income indicates effective management of the net interest margin and asset-liability mix.

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