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Hanmi Financial cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$35.7M in Q3 2026 · $180M over twelve months

Operating cash flow$36.8M
Capital spending−$1.0M
Free cash flow+$35.7M
Cash / net income1.6×

Analysis

In Q3 2026, Hanmi Financial generated $36.8M of operating cash flow and spent $1.0M on capital projects, leaving free cash flow of $35.7M. That is $29.8M less than in Q3 2025 ($65.6M).

Over the twelve months to Sep 30, 2026, operating cash flow was $184M; the largest uses were other investing ($167M), dividends ($33.3M), buybacks ($16.4M); besides operations, cash came from other financing ($171M), asset & business sales ($16K); the cash balance rose by $133M.

Operating cash flow was $36.8M against net income of $23.7M — 1.6× profit, cash ran ahead of reported earnings. The largest differences: prepaid and other assets +$4.8M, accrued liabilities −$2.9M, income taxes payable +$2.8M.

Free cash flow

Hanmi Financial: free cash flow by quarterHanmi Financial: free cash flow by quarter$13.0MQ4 2024$26.1MQ1 2025−$19.0MQ2 2025$65.6MQ3 2025$131MQ4 2025$23.4MQ1 2026−$9.9MQ2 2026$35.7MQ3 2026
Operating cash flow less capital spending.
Hanmi Financial: operating cash flow against capital spendingHanmi Financial: operating cash flow against capital spendingOperating cash flowCapital spending$13.8M$840KQ4 2024$26.4M$263KQ1 2025−$18.5M$569KQ2 2025$66.1M$560KQ3 2025$132M$915KQ4 2025$23.9M$499KQ1 2026−$8.8M$1.1MQ2 2026$36.8M$1.0MQ3 2026
Latest (Q3 2026): Operating cash flow $36.8M, Capital spending $1.0M.

Capital allocation, year by year

Hanmi Financial: where the cash came from (up) and went (down), by fiscal yearHanmi Financial: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $93.7MFY2021: Net borrowing −$12.5MFY2021: Asset sales $45KFY2021: Capital spending −$2.7MFY2021: Buybacks −$6.1MFY2021: Dividends −$16.5M$93.8MFY2021FY2022: Operating cash flow $147MFY2022: Net borrowing $212MFY2022: Shares issued $19KFY2022: Capital spending −$1.9MFY2022: Dividends −$28.6M$360MFY2022FY2023: Operating cash flow $109MFY2023: Net borrowing −$25.0MFY2023: Asset sales $7.2MFY2023: Capital spending −$2.4MFY2023: Buybacks −$4.1MFY2023: Dividends −$30.5M$116MFY2023FY2024: Operating cash flow $52.6MFY2024: Shares issued $582KFY2024: Asset sales $2.8MFY2024: Capital spending −$2.6MFY2024: Buybacks −$6.3MFY2024: Dividends −$30.4M$55.9MFY2024FY2025: Operating cash flow $206MFY2025: Asset sales $14KFY2025: Capital spending −$2.3MFY2025: Buybacks −$9.4MFY2025: Dividends −$32.6M$206MFY2025
Over these 5 years operating cash flow totalled $609M; the largest uses were dividends ($139M) and net borrowing ($37.5M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$349M
Debtnone
Net cash$349M

Hanmi Financial funds itself: free cash flow was $180M over the last twelve months, with $349M of cash and investments and no debt on the balance sheet.

Where the cash came from and went

Hanmi Financial: sources (+) and uses (−) of cash, Q3 2026Hanmi Financial: sources (+) and uses (−) of cash, Q3 2026Other investing−$49.7MOther financing$44.5MOperating cash flow$36.8MCash drawn (+) / kept (−)−$17.4MDividends−$8.3MBuybacks−$4.8MCapital spending−$1.0MTaxes on employees’ shares−$77K
Hanmi Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Hanmi Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Operating cash flow$184MOther financing$171MOther investing−$167MCash drawn (+) / kept (−)−$133MDividends−$33.3MBuybacks−$16.4MCapital spending−$3.5MTaxes on employees’ shares−$1.6MAsset & business sales$16K

From profit to cash

Hanmi Financial: net income to operating cash flow, Q3 2026Hanmi Financial: net income to operating cash flow, Q3 2026Net income$23.7MDepreciation & amortization$903KStock-based pay$933KAccrued liabilities−$2.9MPrepaid and other assets$4.8MIncome taxes payable$2.8MOperating cash flow$36.8M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsCash drawn (+) / kept (−)Free cash flow
Q3 2026$36.8M−$1.0M−$4.8M−$8.3M−$17.4M$35.7M
Q2 2026−$8.8M−$1.1M−$4.8M−$8.5M−$77.2M−$9.9M
Q1 2026$23.9M−$499K−$4.8M−$8.4M−$41.2M$23.4M
Q4 2025$132M−$915K−$2.0M−$8.1M$2.8M$131M
Q3 2025$66.1M−$560K−$4.7M−$8.1M$164M$65.6M
Q2 2025−$18.5M−$569K−$1.6M−$8.3M−$51.0M−$19.0M
Q1 2025$26.4M−$263K−$1.1M−$8.2M−$24.2M$26.1M
Q4 2024$13.8M−$840K−$554K−$7.5M−$17.0M$13.0M

Hanmi Financial: income statement and cash flow

Hanmi Financial, Q3 2026: revenue $76.6M (+8% year over year), operating margin 30.9%. The chart follows the revenue to costs, profit and cash.

Hanmi Financial: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.