For the year ending 2025-12-31, HAFC had -$91,958K decrease in cash & cash equivalents over the period. $203,701K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 76,089 |
| Depreciation and amortization | 3,333 |
| Amortization of servicing assets - net | 2,324 |
| Share-based compensation expense | 3,598 |
| Credit loss expense | 14,439 |
| Gain on sales of sba loans | 7,808 |
| Origination of loans held for sale | 128,900 |
| Proceeds from sales of loans | 254,358 |
| Gain on sales of residential mortgage loans | 1,913 |
| Change in bank-owned life insurance | -471 |
| Loss (gain) on sale of fixed assets | -40 |
| Change in prepaid expenses and other assets | 969 |
| Change in income tax assets | -6,077 |
| Valuation adjustment on servicing assets | -54 |
| Change in accrued interest payable and other liabilities | -3,031 |
| Net cash provided by operating activities | 206,008 |
| Purchases of securities available for sale | 173,091 |
| Proceeds from matured, called and repayment of securities | 233,310 |
| Purchases of loans | 50,978 |
| Purchases of premises and equipment | 2,307 |
| Proceeds from disposition of premises and equipment | 14 |
| Proceeds from sales of other real estate owned ('oreo') | 712 |
| Change in loans, excluding purchases and sales | 391,977 |
| Net cash used in investing activities | -384,317 |
| Change in deposits | 241,874 |
| Change in open fhlb advances | -225,000 |
| Proceeds from fhlb term advances | 50,000 |
| Repayments of fhlb term advances | -62,500 |
| Cash paid for employee vested shares surrendered due to employee tax liability | 996 |
| Repurchase of common stock | 9,404 |
| Cash dividends paid | 32,623 |
| Net cash provided by financing activities | 86,351 |
| Net increase (decrease) in cash and due from banks | -91,958 |
| Cash and due from banks at beginning of year | 304,800 |
| Cash and due from banks at end of period | 212,842 |
HANMI FINANCIAL CORP (HAFC)
HANMI FINANCIAL CORP (HAFC)