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Hanmi Financial Corp

investors.hanmi.com

What Do They Do?

Provides business banking, including commercial real estate and business loans and deposit services, to small and midsize businesses, including those in Korean-American and other multi-ethnic communities.

How Do They Make Money?

FY2025 revenue

Who Are Their Customers?

Serves small and midsize businesses through its branch network, with a focus on Korean-American and other multi-ethnic communities; its branches are in markets with many immigrant- and minority-owned businesses.

Do Revenues Turn Into Profits?

Yes. It kept 28 cents of every revenue dollar as net income in FY2025 and turned 75 cents into free cash flow.

Operating income, FY2025

28% of revenue

▲ +22% vs FY2024 ($62.2M, 27%)

Net income, FY2025

28% of revenue

▲ +22% vs FY2024 ($62.2M, 27%)

Free cash flow, FY2025

75% of revenue

▲ +308% vs FY2024 ($49.9M, 21%)

How Are They Changing?

Since the FY2025 annual report

Latest quarter: Q2 FY2026, the three months to Jun 30, 2026

Revenue: ▲ +11%; vs $65.2M in Q2 FY2025
Net income: ▲ +55%; vs $15.1M in Q2 FY2025

Growing. Revenue grew 25% in 4 years, from $216.7M in FY2021 to $270.2M in FY2025, about 6% a year.

Residential mortgage loan sales The latest report includes sales of residential mortgage loans among its revenue sources alongside SBA loan sales; the older report mentions SBA loan sales but not residential mortgage loan sales.