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Hanmi Financial HAFC Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

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$72.57M+45.8%

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+37.3%
P/E10.7×0.0×
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:InterestIncomeExpenseAfterProvisionForLoanLoss.

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
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
Trade finance and other service charges and fees1,9021,4613,4032,858
Gain on sale of Small Business Administration (“SBA”) loans1,3182,1603,4214,161

Item 1. Financial Statements

FAQ

What is Hanmi Financial's net interest income (after provisions)?
Hanmi Financial (HAFC) reported net interest income (after provisions) of $62.67M in Q2 2026.
How has Hanmi Financial's net interest income (after provisions) changed year-over-year?
Hanmi Financial's net interest income (after provisions) increased by 26.6% year-over-year, from $49.51M to $62.67M.
What is the long-term trend for Hanmi Financial's net interest income (after provisions)?
Over 4 years (2021 to 2025), Hanmi Financial's net interest income (after provisions) has grown at a 0.3% compound annual growth rate (CAGR), from $219.45M to $221.75M.
What does net interest income (after provisions) mean?
This metric is calculated by subtracting the provision for loan and lease losses from net interest income. It provides a more accurate view of the bank's profitability after accounting for the expected credit risk within the loan portfolio. It is a critical measure of the bank's true earnings power after risk adjustment.

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