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Stock Ratings / Financials / HAFC / financials
CPF (73) CAC (66) TRST (61) SBSI (64) ⌘ Pro Terminal →

Hanmi Financial Corporation (HAFC) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$32.55 -1.75% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $32.53

Hanmi Financial Corporation (HAFC) earns a Roarable Rating of B (Buy) with 75/100 RQD Confidence. High-quality cash engine (steady margins, 8% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

📊 Historical Track Record: Scores of 75/100 (B) historically ranked in the Top 12% of excess returns over the next 90 days (+7.4% avg 90D alpha vs SPY • 69.7% hit rate) →
ROARABLE B • BUY Cap $965.1M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on HAFC Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is HAFC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Hanmi Financial Corporation (NASDAQ: HAFC) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 75/100 at a spot price of $32.55 (-1.75% 1D, market cap $965.1M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 14/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, HAFC ranks #37 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does HAFC compare to CPF and CAC in the Financials sector?
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Within the Financials sector (Major Banks), HAFC carries a Roarable B (75/100 RQD), trailing P/E of 12.9x, gross margin of —, and ROIC of 7.5%. By comparison, CPF (Central Pacific Financial Corp) holds a B grade (73/100 RQD, P/E 12.7x, ROIC 13.1%, cap $966.4M) and CAC (Camden National Corporation) posts a C+ grade (66/100 RQD, P/E 15.2x, ROIC 9.4%, cap $968.9M). Among the 5-stock peer group, CPF leads on earnings multiple (12.7x) while CPF leads on capital efficiency (13.1% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for HAFC?
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Per HAFC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001109242), Hanmi Financial Corporation generated $270.2M in revenue (+15.3% YoY), $76.1M in net income, and $206.0M in free cash flow against $7.87B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $32.52 (-0.08%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 76.3% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 75/100 (B) historically ranked in the Top 12% of excess returns over the next 90 days (+7.4% avg 90D alpha vs SPY • 69.7% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERBUY • B
025507510075
3-of-3 JEV AI Jury Bullish
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B+ · Rk B
Cash (15)Whales (14)SEC (15)Macro (14)CEO (17)
Each axis scored 0–20
12M PRICE TARGET CONE+7.6% Base Target
$41 Bull$35 Base$27 Bear
📬 FREE HAFC RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for HAFC)Realized 20D OHLCV Swing Band: ±3.9%
Deterministic 5-Pillar Attribution (75/100 Composite)
🔍 WHY HAFC SCORES 75/100 (B) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+15/20 pts (20% of score)

SEC XBRL FY 2025 (10-K): 76.3% FCF Margin ($206.0M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Macro Regime Fit14/20 pts (-6 pt drag)

Macro rate sensitivity & RSI-14 (56.7) create a -6 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
67
Grade B-$30.89+1.9% Next Q
Q2 (-2Q)
70
Grade B$31.47+3% Next Q
Q3 (-1Q)
72
Grade B$32.41+0.4% Next Q
Current
75
Grade B$32.55+7.4% Hist 90D α
Trajectory: B- (67) → B (75)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the HAFC Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 75/100 (B) score, HAFC faces multiple-compression risk if 12.9x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($31.67) or 200D SMA ($29.93) invalidates the momentum regime and cuts Target Base ($35.04) toward Bear Floor ($26.69).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $HAFC• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “HAFC Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 75%NO 25%Trade / Inspect Odds →
VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How HAFC Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$206.0M (76.3% FCF Margin)
Revenue$270.2MGross Profit $140.5M (52%)Cost of Sales $129.7MOp Profit $76.1M (28.2%)OpEx (R&D/SG&A) $64.4MNet Profit$76.1M (28.2%)Tax/Other $0

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow
FY23
Rev $255.4M
FY24
Rev $234.4M
FY25
Rev $270.2M
Fiscal YearRevenueGross MarginOp MarginNet ProfitFree Cash FlowROIC %
FY 2025$270.2M52%28.2%$76.1M$206.0M7.5%
FY 2024$234.4M52%26.5%$62.2M$52.6M6.7%
FY 2023$255.4M52%31.3%$80.0M$109.3M7.5%
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring HAFC)

  • ✓Walkthrough of HAFC's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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HAFC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +10.41%📐 HORIZONTAL RANGE
2026-11-03O $33.13H $33.13L $32.55C $32.55VOL 306.8K
RES: $33.39SUP: $30.25SMA50: $31.67SMA200: $29.93
$34.00$31.93$29.87$27.80$25.74RES $33.39SUP $30.25$32.552026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

HAFC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 HAFC Butterfly Map → + Track HAFC →
Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)
4.0%/yr Implied 5Y Growth

vs. +15.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on HAFC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for HAFC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for HAFC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (HAFC)

Financials Rank #37 of 1096 ⚔️ CPF vs HAFC Full Matrix →

1. Head-to-Head Financials Peer Comparison (HAFC vs. CPF, CAC, TRST, SBSI)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Hanmi Financial Corporation (HAFC) ranks #37 by composite RQD confidence (75/100, grade B) and #562 by equity capitalization ($965.1M). Within this direct 5-issuer industry benchmark cohort, CPF leads on earnings valuation at 12.7x trailing P/E, while CPF leads on capital efficiency and profitability with 13.1% ROIC and — gross margin. HAFC currently leads its immediate peer cohort in composite quantitative strength at 75/100 (B).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
HAFC ACTIVE
Hanmi Financial Corporation
B 75/100 12.9x — 7.5% -1.75% $965.1M Benchmark Subject
CPF
Central Pacific Financial Corp
B 73/100 12.7x — 13.1% -1.83% $966.4M /cpf-vs-hafc →
CAC
Camden National Corporation
C+ 66/100 15.2x — 9.4% -2.05% $968.9M /cac-vs-hafc →
TRST
TrustCo Bank Corp NY
C- 61/100 15.8x — 8.9% -1.07% $958.0M /trst-vs-hafc →
SBSI
Southside Bancshares Inc.
C 64/100 14.3x — 8.2% +1.11% $1.00B /sbsi-vs-hafc →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001109242

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Hanmi Financial Corporation (HAFC) reported GAAP revenue of $270.2M (+15.3% vs. FY2024 revenue of $234.4M , and +5.8% cumulative change since FY2023) , GAAP net income of $76.1M, operating cash flow of $206.0M, and free cash flow of $206.0M (+292.0% YoY). On the balance sheet, HAFC closed FY2025 with $7.87B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 7/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $270.2M $76.1M $206.0M $206.0M $7.87B —
FY2024 (FY) 2024-12-31 $234.4M $62.2M $52.6M $52.6M $7.68B —
FY2023 (FY) 2023-12-31 $255.4M $80.0M $109.3M $109.3M — —

3. HAFC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is HAFC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Hanmi Financial Corporation (NASDAQ: HAFC) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 75/100 at a spot price of $32.55 (-1.75% 1D, market cap $965.1M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 14/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, HAFC ranks #37 in composite RQD confidence.

How does HAFC compare to CPF and CAC in the Financials sector?

Within the Financials sector (Major Banks), HAFC carries a Roarable B (75/100 RQD), trailing P/E of 12.9x, gross margin of —, and ROIC of 7.5%. By comparison, CPF (Central Pacific Financial Corp) holds a B grade (73/100 RQD, P/E 12.7x, ROIC 13.1%, cap $966.4M) and CAC (Camden National Corporation) posts a C+ grade (66/100 RQD, P/E 15.2x, ROIC 9.4%, cap $968.9M). Among the 5-stock peer group, CPF leads on earnings multiple (12.7x) while CPF leads on capital efficiency (13.1% ROIC).

What are the biggest fundamental strengths and SEC risk factors for HAFC?

Per HAFC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001109242), Hanmi Financial Corporation generated $270.2M in revenue (+15.3% YoY), $76.1M in net income, and $206.0M in free cash flow against $7.87B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is HAFC trading relative to its 50-day, 200-day, and 52-week technical levels?

HAFC last traded at $32.55 (-1.75% on volume of 306,824 shares), positioning the stock +2.78% above its 50-day simple moving average ($31.67) and +8.75% above its 200-day simple moving average ($29.93). Across its 52-week range of $24.54 to $33.50, HAFC sits at the 89.4% percentile with a 14-day RSI of 56.7 (BULLISH MOMENTUM) and an implied next-earnings move of ±3.9% ($31.28 to $33.82).

HAFC Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

How profitable is Hanmi Financial Corporation (HAFC)?

In FY 2025 (10-K), HAFC converted $270.2M of revenue into a 52% gross margin, 28.2% operating margin, and $206.0M in free cash flow (76.3% FCF margin).

Direct Sub-Reports: HAFC RQD Cockpit HAFC 12M Forecast HAFC Earnings & Move HAFC Dividends & DRIP HAFC Insiders & 13F HAFC Whale Options HAFC Profit Sankey HAFC News & Why
ROARABLE RATING BRIEF • RQD 75/100 (B) ✓ STAGE-C NUMBER FIREWALL VERIFIED

HAFC — Hanmi Financial Corporation: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5
As of: 2026-11-02T15:31:24Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, HAFC scores 76 out of 100 (grade B+), labeled "Roarable Buy — Very Good Cash & Smart-Money Inflow." The five pillars are: Fundamental Cash Engine at 15/20 (ROIC 7.5%; FCF yield 20.97%); Whale 13F Flow at 15/20 (institutional accumulation and options positioning); Insider Conviction at 17/20 (SEC Form 4 and Congressional PTR cluster flow), the highest pillar; Macro Regime Fit at 14/20 (Beta 1.0; sector sensitivity); and Forensic Balance Sheet at 15/20 (Altman Z 2.5; Piotroski F 7/9; Debt/Equity 0.5). For a prospective investor, the upside drivers cited by the rating are the high free-cash-flow yield and the insider cluster signal, while the valuation tradeoff is that the rating's own components are moderate rather than extreme: ROIC of 7.5% and a Beta of 1.0 suggest market-like sensitivity rather than an outsized return profile. The forensic metrics point to a balance sheet the rating considers sound, though the source data does not supply the underlying cash and debt figures needed to verify that independently. This is an educational summary of the rating's components, not personalized advice.

Snapshot

MetricValue
Price33.13
Market Cap$982.3M
P/E (TTM)12.9
Forward P/E10.8
EV/EBITDA12.9
EPS (TTM)2.57
Dividend Yield3.32%
Beta1.0
52-Wk Range$24.54 - $33.5
ROIC %7.5%

Recent Catalysts & News Wire Analysis

The news wire contains six items, all tagged to HAFC and carrying a YELLOW light and "MARKET WIRE" impact label. Headlines reference a Q3 earnings call, Q3 results, a Q3 2026 earnings presentation dated 2026-10-27, scheduled results after market close on Oct. 27, a value-investor screen, and a quarterly dividend of $0.28. The summaries are generic and do not disclose substantive content beyond these headlines. Risk watch items are not identified in the source data. Proprietary signals: none listed in the Butterfly Supply-Chain Graph.

Butterfly Effect: 2nd-Order Supply-Chain & Sector Ripples

Per the Butterfly Supply-Chain Graph, supply chain is listed as NONE, with no butterfly links and no proprietary signals. Upstream and downstream dependencies, sector correlations, and second-order bottlenecks are therefore not available in source data. The only sector context provided is the classification as Financials and Major Banks.

Open Questions

  • What are HAFC's cash, total debt, and EPS figures for the reported periods, which the financials section lists as N/A?
  • What specific institutional and insider transactions underlie the rating's 15/20 whale-flow and 17/20 insider-conviction scores?
  • Why did reported net income rise in FY 2025 relative to FY 2024 but remain below FY 2023, and what drove the change?
  • What do the Q3 2026 earnings call and presentation actually disclose, given that the news summaries are generic?
  • How does the 3.32% dividend yield relate to the company's cash generation, given the free-cash-flow yield of 20.97% and a 12.9 trailing P/E?

HAFC Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Hanmi Financial Corporation (HAFC) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to HAFC Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

HAFC Bull vs. Bear Conversation Board — What's Your Call at $32.55?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON HAFC 🐻 33% BEARISH CONVICTION
1. Pick Your Side on HAFC:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
RO RoarDesk_Moderator Roarable Research Desk 🐂 BULLISH 🎯 Target: $39.09 (+18.0%)
📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is HAFC (B+ • RQD 76/100) a Buy at $33.13?

Welcome to the HAFC (Hanmi Financial Corporation) Roar Pit. Current RQD Composite is 76/100 (Roarable Buy — Very Good Cash & Smart-Money Inflow) in Major Banks. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

SK SkepticalCFA Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $26.50 (-20.0%)
Spot @ $33.13

Pump the brakes on HAFC — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on HAFC, but look at what you are paying: 12.9x trailing P/E with tightening sector spreads. Unless Hanmi Financial Corporation expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

MA MacroHawk_NYC Verified K Arena Trader 🐂 BULLISH 🎯 Target: $39.09 (+18.0%)
Spot @ $33.13

HAFC cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on HAFC, the market is fixating on short-term headline noise in Major Banks and ignoring the balance sheet and cash flow trajectory. At $33.13 (52-wk range $24.54 - $33.50), any beat on forward guidance forces shorts and underweight funds to chase.

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