For the quarter ended September 2026, Hanmi Financial (HAFC) reported revenue of $76.6 million, up 8% over the same period last year. EPS came in at $0.80, compared to $0.73 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $74.97 million, representing a surprise of +2.18%. The company delivered an EPS surprise of -1.24%, with the consensus EPS estimate being $0.81.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Hanmi Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
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Net loan charge-offs (recoveries) to average loans: 0.3% compared to the 0.1% average estimate based on three analysts.
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Efficiency Ratio: 52% versus 52% estimated by three analysts on average.
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Net interest margin: 3.4% versus 3.4% estimated by three analysts on average.
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Nonperforming assets: $10.03 million compared to the $9.72 million average estimate based on two analysts.
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Nonperforming loans: $8.94 million compared to the $9.72 million average estimate based on two analysts.
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Average Balance - Total interest-earning assets: $7.81 billion versus $7.87 billion estimated by two analysts on average.
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Total noninterest income: $9.03 million versus the three-analyst average estimate of $8.63 million.
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Net Interest Income: $67.57 million versus $66.31 million estimated by three analysts on average.
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Service charges on deposit accounts: $2.08 million compared to the $2.14 million average estimate based on two analysts.
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Trade finance & other service charges and fees: $1.89 million versus $1.77 million estimated by two analysts on average.
View all Key Company Metrics for Hanmi Financial here>>>
Shares of Hanmi Financial have returned +1.8% over the past month versus the Zacks S&P 500 composite's -0.8% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.
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Hanmi Financial Corporation (HAFC) : Free Stock Analysis Report
This article originally published on Zacks Investment Research (zacks.com).
