UNITED STATES ~~SECURITIES AND EXCHANGE COMMISSION~~

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

_________________

FORM 8-K

_________________

CURRENT REPORT

Pursuant to Section 13 or 15(d) of ~~The~~ the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): January ~~November 14~~29, ~~2025~~2026

HANMI FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)

Delaware	000-30421	95-4788120
(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer Identification No.)
(State or Other Jurisdiction of Incorporation)	(Commission File Number)	(I.R.S. Employer Identification No.)

900 Wilshire Boulevard, Suite 1250 Los Angeles, California	90017
(Address of principal executive offices)	(Zip Code)

900 Wilshire Boulevard, Suite 1250

~~Registrant's~~Los ~~telephone number~~Angeles, ~~including~~CA ~~area code: (213) 382-2200~~90017

~~Not Applicable~~ (~~Former~~Address ~~name~~of orPrincipal ~~former~~Executive ~~address,~~Offices) if(Zip ~~changed since last report~~Code)

(213) 382-2200

(Registrant's telephone number, including area code)

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock, $0.001 par value	HAFC	Nasdaq Global Select Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 78.01. ~~Regulation~~Other ~~FD Disclosure~~Events.

On ~~November~~January 1429, ~~2025~~2026, Hanmi Financial Corporation (~~the~~ “~~Company~~Hanmi Financial”), ~~parent~~issued ~~company~~a press release announcing that its Board of ~~Hanmi~~Directors ~~Bank,~~declared ~~made~~a ~~available~~cash ~~and~~dividend ~~distributed~~on toits ~~analysts~~common ~~and~~stock ~~prospective~~for ~~investors~~the a2026 ~~slide~~first ~~presentation~~quarter of $0. ~~The~~28 ~~presentation~~per ~~materials~~share, ~~include~~up ~~information~~4% ~~regarding~~from the ~~Company’s~~prior ~~operating~~quarter. ~~and~~The ~~growth~~dividend ~~strategies~~will ~~and~~be ~~financial~~paid ~~performance. The~~on ~~slide~~February ~~presentation~~25, is2026, ~~furnished~~to instockholders ~~this~~of ~~Current~~record ~~Report~~as of the close of business on ~~Form~~February ~~8-K~~9, ~~pursuant~~2026. toIn ~~this~~addition, ~~Item~~the 7Company announced the expansion of its existing share repurchase authorization by 1.~~01,~~5 asmillion ~~Exhibit~~to 99approximately 2.1,3 ~~and~~million isshares ~~incorporated herein~~of bycommon ~~reference~~stock in the aggregate.

~~This~~A ~~Current~~copy ~~Report and the information included below and furnished as exhibits hereto shall not be deemed to be “filed” for purposes~~ of ~~Section 18 of~~ the ~~Securities~~press ~~Exchange~~release ~~Act~~announcing ~~of 1934, as amended (“Exchange Act”), nor shall it be incorporated by reference into a filing under~~ the ~~Securities~~dividend ~~Act~~and ofshare ~~1933,~~repurchase asis ~~amended,~~included ~~or the Exchange Act, except~~ as ~~expressly~~exhibit ~~set forth by specific reference in such a filing~~99.1 ~~The~~to ~~furnishing of the information in~~ this ~~Current Report~~report ~~is not intended to,~~ and ~~does~~is ~~not,~~incorporated ~~constitute~~herein ~~a determination or admission~~ by the Company that the information in this report is material or complete, or that investors should consider this information before making an investment decision with respect to any security of the Company or any of its affiliatesreference.

Item 9.01. Financial Statements and Exhibits.

~~Exhibit~~(d) ~~No. Description~~Exhibits

99.1 Investor Presentation

99.1		Press release issued by Hanmi Financial dated January 29, 2026
104		Cover Page Interactive Data File (embedded within the Inline XBRL document)

104 The cover page from the Company’s Form 8-K, formatted in Inline XBRL.

Forward-Looking Statements

~~Some~~This ofpress ~~the~~release ~~statements~~contains ~~contained in this Report are~~ forward-looking statements, ~~within~~which ~~the~~are ~~meaning~~included ofin ~~Section~~accordance ~~27A~~with of the ~~Securities Act of 1933, as amended (the~~ “~~Securities~~safe ~~Act~~harbor”~~), and~~ ~~Section~~provisions ~~21E~~ of the Private Securities ~~Exchange~~Litigation Reform Act of ~~1934, as amended (the “Exchange Act”)~~1995. All statements ~~in this Report~~ other than statements of historical fact are “forward–looking statements” for purposes of federal and state securities laws, including, but not limited to, statements about our anticipated future operating and financial performance, financial ~~condition~~position and liquidity, business strategies, regulatory and competitive outlook, investment and expenditure plans, capital and financing needs and availability, plans and objectives of management for future operations, developments regarding our capital and strategic plans, and other similar forecasts and statements of expectation and statements of ~~assumptions~~assumption underlying any of the foregoing. In some cases, you can identify forward-looking statements by terminology such as “may,” “will,” “should,” “could,” “expects,” “plans,” “intends,” “anticipates,” “believes,” “estimates,” “predicts,” “potential,” or “continue,” or the negative of such terms and other comparable terminology. Although we believe ~~that~~ ~~the~~our ~~expectations reflected in the~~ forward-looking statements ~~are~~to be reasonable, we cannot guarantee future results, levels of activity, performance, or achievements.

Forward-looking statements involve known and unknown risks, uncertainties and other factors that may cause our actual results, ~~financial condition,~~ levels of activity, performance, or achievements to differ from those expressed or implied by the forward-looking statements. These factors include the following:

· a failure to maintain adequate levels of capital and liquidity to support our operations;
· general economic and business conditions internationally, nationally and in those areas in which we operate, including any potential recessionary conditions;
· volatility and deterioration in the credit and equity markets;
· changes in investor sentiment or consumer spending, borrowing and savings habits;
· availability of capital from private and government sources;
· demographic changes;
· competition for loans and deposits and failure to attract or retain loans and deposits;
· inflation and fluctuations in interest rates that reduce our margins and yields, the fair value of financial instruments, the level of loan originations or prepayments on loans we have made and make, the level of loan sales and the cost we pay to retain and attract deposits and secure other types of funding;
· our ability to enter new markets successfully and capitalize on growth opportunities;
· the ~~imposition~~current ~~of tariffs~~ or ~~other~~anticipated ~~domestic~~impact orof ~~international~~military ~~governmental~~conflict, ~~polices~~terrorism, ~~and~~or ~~retaliatory~~other ~~responses~~geopolitical events;
· the ~~impact~~effect of ~~any~~ potential ~~government~~future ~~shutdown,~~supervisory ~~which~~action ~~could~~against ~~impact~~us or Hanmi Bank and our ability to ~~effect~~address ~~sales~~any ofissues ~~small~~raised ~~business~~in ~~administration~~our ~~loans~~regulatory exams;
·risks ~~the current or anticipated impact~~ of ~~military~~natural ~~conflict, terrorism or other geopolitical events~~disasters;
·legal ~~the~~proceedings ~~effect~~and oflitigation ~~potential~~brought ~~future supervisory action~~ against us ~~or Hanmi Bank and our ability to address any issues raised in our regulatory exams~~;
·a ~~risks~~failure in or breach of ~~natural~~our ~~disasters~~operational or security systems or infrastructure, including cyberattacks;
·the ~~legal~~failure ~~proceedings~~to ~~and~~maintain ~~litigation~~current ~~brought against us~~technologies;
·risks aassociated ~~failure~~with inSmall orBusiness ~~breach~~Administration ~~of our operational or security systems or infrastructure, including cyberattacks~~loans;
~~· the~~ failure to ~~maintain~~attract ~~current~~or ~~technologies~~retain key employees;
·our ~~risks~~ability ~~associated~~to ~~with~~access ~~Small~~cost-effective ~~Business Administration loans~~funding;
·the ~~failure~~imposition toof ~~attract~~tariffs or ~~retain~~other ~~key~~domestic ~~employees~~or international governmental policies and any retaliatory responses;
·the impact of a potential federal government shutdown, which may impact on our ability to ~~access~~effect ~~cost-effective~~sales ~~funding~~of small business administration loans;
· changes in liquidity, including the size and composition of our deposit portfolio and the percentage of uninsured deposits in the portfolio;
· fluctuations in real estate values;
· changes in accounting policies and practices;
· changes in governmental regulation, including, but not limited to, any increase in FDIC insurance premiums and changes in the monetary policies of the U.S. Treasury and the Board of Governors of the Federal Reserve System;
· the ability of Hanmi Bank to make distributions to Hanmi Financial Corporation, which is restricted by certain factors, including Hanmi Bank’s retained earnings, net income, prior distributions made, and certain other financial tests;
· strategic transactions we may enter into, including the costs associated with the evaluation of any strategic opportunities and the overall effects of any acquisitions or dispositions we may make;
· the adequacy of and changes in the economic assumptions and methodology for computing our allowance for credit losses;
· our credit quality and the effect of credit quality on our credit losses expense and allowance for credit losses;
· changes in the financial performance and/or condition of our borrowers and the ability of our borrowers to perform under the terms of their loans and other terms of credit agreements;
· our ability to control expenses; and
· cyber security and fraud risks against our information technology and those of our third-party providers and vendors.

~~For~~In ~~additional~~addition, ~~information~~we ~~concerning~~set forth certain risks wein ~~face, see~~our ~~“Part~~reports ~~II,~~filed ~~Item~~with 1Athe U.S. ~~Risk~~Securities ~~Factors”~~and inExchange ~~this~~Commission, ~~Report~~including, ~~and “~~Item 1A. ~~Risk~~of ~~Factors”~~our inAnnual ~~Part~~Report Ion ofForm 10-K for the year ended December 31, 2024, ~~Annual~~our ~~Report~~ Quarterly Reports on Form 10-Q, and Current Reports on Form 8-K. Wethat ~~undertake~~we nowill ~~obligation~~file tohereafter, ~~update~~which ~~these~~could ~~forward-looking~~cause ~~statements~~actual results to ~~reflect~~differ ~~events~~from orthose ~~circumstances~~projected. ~~that~~We ~~occur~~undertake ~~after the~~no ~~date~~obligation onto ~~which~~update such forward-looking statements ~~were made,~~ except as required by law.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the ~~Registrant~~ registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	HANMI FINANCIAL CORPORATION
Date: November 14, 2025	By:	/s/ Bonita I. Lee
Date: January 29, 2026	By:	/s/ Bonita I. Lee
		Bonita I. Lee
		Chief Executive Officer

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