What guidance did Hanmi Financial's management provide for the next earnings period?

What is Hanmi Financial's gross profit margin?

What is Hanmi Financial's latest dividend and current dividend yield?

Did Hanmi Financial beat or miss consensus estimates last quarter?

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What were the key takeaways from Hanmi Financial's earnings call?

What were the key takeaways from Hanmi Financial’s earnings call?

- **Record Q3 Performance**: $22.1M net income (46% Q/Q growth), 16.4% YoY PPNR expansion
- **Loan Production Surge**: 73% Q/Q increase to $571M, driven by C&I ($211M) and USKC ($910M)
- **Margin Expansion**: 15bps NIM improvement to 3.22%, 52.65% efficiency ratio (2-year low)
- **USKC Growth**: Korean corporate deposits surpass $1B, loans up 8.2% Q/Q
- **Capital Return**: $0.27 dividend + $4.7M share buybacks in Q3

**【CEO Summary Section】**
- Q3 2025 net income of $22.1 million ($0.73 EPS), up 46% vs. Q2, driven by 16.4% YoY increase in pre-provision net revenue
- Total loans grew 3.5% Q/Q to $6.53 billion, with loan production surging 73% to $571 million
- Net interest margin expanded 15bps to 3.22%, supported by 10bps higher loan yields and 8bps lower deposit costs
- USKC initiative loans reached $910 million (14% of total), deposits surpassed $1 billion
- Efficiency ratio improved to 52.65%, 2-year low
- Asset quality metrics improved: criticized loans down 12%, nonperforming assets down 18%

**【CFO Financial Commentary】**
- Net interest income up 6.9% Q/Q to $111.1 million, driven by 1% growth in average earning assets
- Non-interest income rose 22.4% to $9.9 million, boosted by $1.2M mortgage sale gains
- Credit loss expense declined 72% to $2.1 million, with $2.6M recovery from charged-off loan
- Capital ratios remain strong: CET1 12%, TCE/TA 9.8%
- Share buybacks resumed, purchasing 199,698 shares in Q3

**【Q&A Key Highlights】**
- **Loan Growth Sustainability**: Management confident in mid-single-digit annual growth despite strong Q3, citing stable pipeline and disciplined underwriting
- **Funding Strategy**: Deposit beta expected ~70%, with October deposit rates down 23bps vs. Q3 average
- **Credit Quality**: Proactive portfolio management maintains asset quality, with SBA and CRE portfolios performing well
- **USKC Momentum**: Korean corporate deposits up 9.5% Q/Q, reflecting growing interest in US expansion
- **Capital Allocation**: Share buybacks likely to continue, with Board flexibility to respond to market conditions

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