Hanmi Financial (HAFC) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

Hanmi Financial (HAFC) reported $70.96 million in revenue for the quarter ended September 2025, representing a year-over-year increase of 21.3%. EPS of $0.73 for the same period compares to $0.49 a year ago.The reported revenue compares to the Zacks Consensus Estimate of $68 million, representing a surprise of +4.35%. The company delivered an EPS surprise of +10.61%, with the consensus EPS estimate being $0.66.While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.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:Efficiency Ratio: 52.7% compared to the 53.5% average estimate based on two analysts.Net interest margin: 3.2% versus the two-analyst average estimate of 3.1%.Net loan charge-offs (recoveries) to average loans: -0% versus 0.1% estimated by two analysts on average.Total noninterest income: $9.88 million versus $8.43 million estimated by two analysts on average.View all Key Company Metrics for Hanmi Financial here>>>Shares of Hanmi Financial have returned -3.9% over the past month versus the Zacks S&P 500 composite's +1.2% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.5 Stocks Set to DoubleEach was handpicked by a Zacks expert as the favorite stock to gain +100% or more in the months ahead. They includeStock #1: A Disruptive Force with Notable Growth and ResilienceStock #2: Bullish Signs Signaling to Buy the DipStock #3: One of the Most Compelling Investments in the MarketStock #4: Leader In a Red-Hot Industry Poised for GrowthStock #5: Modern Omni-Channel Platform Coiled to SpringMost of the stocks in this report are flying under Wall Street radar, which provides a great opportunity to get in on the ground floor. While not all picks can be winners, previous recommendations have soared +171%, +209% and +232%.Download Atomic Opportunity: Nuclear Energy's Comeback free today.Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Hanmi Financial Corporation (HAFC): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).Zacks Investment ResearchWeiter zum vollständigen Artikel bei Zacks Weiter zum vollständigen Artikel bei Zacks