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Hanmi Financial (HAFC) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · Hanmi Financial (HAFC) Q3 2026 earnings results →
Q3 2026 Revenue up 8% year over year to $76.6M · 31¢ of every $1 of revenue kept as net profit · operating margin 30.9%
Hanmi Financial made $76.6M in Q3 2026 (+8% Y/Y). Operating margin 30.9%, net earnings $23.7M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $76.6M in Q3 2026, up 8% year over year and up 6% from the previous quarter.
Operating profit was $23.7M, a 30.9% margin (down 0.2 points year over year). Of the extra revenue versus Q3 2025, 29% reached operating profit, below the 31% margin then. Total costs grew 8% against revenue growth of 8%. Net earnings were $23.7M, up 7% year over year. The effective tax rate was 26.5%. Non-operating items added $8.5M, 26% of pre-tax earnings, so the bottom line overstates operating performance.
Operating cash flow was $36.8M (down 44% year over year), 155% of net earnings. Non-cash charges added back $903K of depreciation and amortization and $933K of share-based compensation. Working capital and other items added $11.2M. Capital expenditures of $1.0M left free cash flow of $35.7M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 6, 2026 | $76.6M | +8% | 30.9% | $23.7M | $36.8M |
| Q2 2026 | 10-Q | Aug 7, 2026 | $72.2M | +11% | 32.6% | $23.5M | −$8.8M |
| Q1 2026 | 10-Q | May 8, 2026 | $71.7M | +14% | 31.4% | $22.6M | $23.9M |
| Q4 2025 | 10-K | Feb 27, 2026 | $71.2M | +17% | 29.8% | $21.2M | $52.2M |
| Q3 2025 | 10-Q | Nov 7, 2025 | $71.0M | +21% | 31.1% | $22.1M | $147M |
| Q2 2025 | 10-Q | Aug 8, 2025 | $65.2M | +15% | 23.2% | $15.1M | −$19.5M |
| Q1 2025 | 10-Q | May 9, 2025 | $62.8M | +8% | 28.1% | $17.7M | $26.4M |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Hanmi Financial
Hanmi Financial Corporation (“Hanmi Financial,” the “Company,” “we,” “us” or “our”) is a Delaware corporation incorporated in 2000 to be the holding company for Hanmi Bank (the “Bank”) and is subject to the Bank Holding Company Act of 1956, as amended (the “BHCA”). Our principal office is located at 900 Wilshire Boulevard, Suite 1250, Los Angeles, California 90017, and our telephone number is (213) 382-2200. Hanmi Bank, the primary subsidiary of Hanmi Financial, is a state-chartered bank incorporated under the laws of the State of California in 1981, and licensed pursuant to the California Financial Code. The Bank’s deposit accounts are insured under the Federal Deposit Insurance Act up to applicable limits thereof. The California Department of Financial Protection and Innovation (the “DFPI”) is the Bank’s primary state bank regulator and the FDIC is its primary federal regulator.
In its own words, from its 10-K, filed Feb 27, 2026.
Hanmi Financial against its National Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +8% against the peers' median +8%. Operating margin: 30.9% against the peers' median 30.9%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| HAFC Hanmi Financial | Q3 2026 | $76.6M | +8% | 30.9% |
| JPM JPMorgan Chase | Q3 2026 | $50.2B | +8% | 40.1% |
| BAC Bank of America | Q3 2026 | $30.0B | +3% | 29.9% |
| C Citigroup | Q3 2026 | $23.8B | +8% | 30.6% |
| WFC Wells Fargo | Q3 2026 | $21.9B | +2% | 32.5% |
| COF Capital One Financial | Q3 2026 | $16.3B | +6% | 28.0% |
| USB US Bancorp | Q3 2026 | $8.0B | +9% | 35.1% |
| PNC PNC Financial Services Group | Q3 2026 | $6.6B | +11% | 40.0% |
| TFC Truist Financial | Q3 2026 | $3.7B | -28% | 23.9% |
Source: Hanmi Financial 10-Q on SEC EDGAR · CIK 1109242 · National Commercial Banks
Guidance and outlook
13F: who owns HAFC and who is buying
More on HAFC
History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results