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Hanmi Financial Corporation (HAFC) — RQD Stock Rating Cockpit

$33.13 +1.32% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $33.29

Hanmi Financial Corporation (HAFC) earns a Roarable Rating of B+ (Buy) with 76/100 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 76/100 (B+) historically ranked in the Top 11% of excess returns over the next 90 days (+7.6% avg 90D alpha vs SPY • 70.0% hit rate) →

ROARABLE B+ • BUY Cap $982.3M

📤 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 2026-11-02, Hanmi Financial Corporation (NASDAQ: HAFC) is rated B+ (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 76/100 at a spot price of $33.13 (+1.32% 1D, market cap $982.3M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 15/20, 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 #31 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+ (76/100 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 (74/100 RQD, P/E 12.7x, ROIC 13.1%, cap $984.4M) and CAC (Camden National Corporation) posts a C+ grade (68/100 RQD, P/E 15.2x, ROIC 9.4%, cap $989.2M). 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: $33.29 (+0.48%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 76.3% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 76/100 (B+) historically ranked in the Top 11% of excess returns over the next 90 days (+7.6% avg 90D alpha vs SPY • 70.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B+

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

Each axis scored 0–20

12M PRICE TARGET CONE+8.1% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for HAFC)Realized 20D OHLCV Swing Band: ±3.8%

Deterministic 5-Pillar Attribution (76/100 Composite)

🔍 WHY HAFC SCORES 76/100 (B+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (22% 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 (64.5) create a -6 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade B-$31.08-0.3% Next Q

Q2 (-2Q)

Grade B$30.98+3.8% Next Q

Q3 (-1Q)

Grade B$32.17+3% Next Q

Current

Grade B+$33.13+7.6% Hist 90D α

Trajectory: B- (68) → B+ (76)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 76/100 (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 ($31.65) or 200D SMA ($29.92) invalidates the momentum regime and cuts Target Base ($35.81) toward Bear Floor ($27.17).

🎲 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 76%NO 24%Trade / Inspect Odds →

RSI-14 MOMENTUMBULLISH MOMENTUM

64.530 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREHIGH QUALITY (7–9)

7 / 99-Pt Accounting

52-WEEK LASER RANGE96% OF RANGE

L: $25$33.13H: $34

1. Money & Cash Health● HEALTHY

Are profits real cash in the bank?

Real cash coming in backs up reported profits (steady margins and healthy balance-sheet cushion).

Factor Grade: BRQD 15 / 20

2. Big Money & Insiders● BUYING

Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: B+RQD 32 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: BRQD 29 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

3-of-3 JEV AI Jury Bullish on HAFC

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BULLISH (75)

7.5% ROIC with 42.0% gross margin and 20.97% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

BULLISH (75)

Altman-Z 4.20 and Piotroski 7/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (77)

32/40 institutional & smart-money positioning score with 14/20 macro alignment.

Bull Case: Why Buyers Like HAFC

✓Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.
✓Big institutional funds and options desks are actively positioning on the bullish side.
✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

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

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (HAFC Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

HAFC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +12.38%⚡ TESTING RESISTANCE

2026-11-02O $32.70H $33.13L $32.70C $33.13VOL 222.3K

RES: $33.38SUP: $30.25SMA50: $31.65SMA200: $29.92

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 #31 of 1096 ⚔️ CPF vs HAFC Full Matrix →

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

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Hanmi Financial Corporation (HAFC) ranks #31 by composite RQD confidence (76/100, grade B+) and #562 by equity capitalization ($982.3M). 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 76/100 (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+	76/100	12.9x	—	7.5%	+1.32%	$982.3M	Benchmark Subject
CPF Central Pacific Financial Corp	B	74/100	12.7x	—	13.1%	+2.11%	$984.4M	/cpf-vs-hafc →
CAC Camden National Corporation	C+	68/100	15.2x	—	9.4%	+0.43%	$989.2M	/cac-vs-hafc →
SBSI Southside Bancshares Inc.	C	64/100	14.3x	—	8.2%	+5.25%	$992.3M	/sbsi-vs-hafc →
TRST TrustCo Bank Corp NY	C	62/100	15.8x	—	8.9%	+0.30%	$968.4M	/trst-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?

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

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

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

HAFC last traded at $33.13 (+1.32% on volume of 222,293 shares), positioning the stock +4.68% above its 50-day simple moving average ($31.65) and +10.73% above its 200-day simple moving average ($29.92). Across its 52-week range of $24.54 to $33.50, HAFC sits at the 95.9% percentile with a 14-day RSI of 64.5 (BULLISH MOMENTUM) and an implied next-earnings move of ±3.8% ($31.87 to $34.39).

HAFC Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell HAFC stock right now?

Hanmi Financial Corporation (HAFC) currently earns a Roarable Rating of B+ (Buy — BUY) with 76/100 RQD Confidence. High-quality cash engine (steady margins, 8% return on capital) with steady institutional support.

What is HAFC's 12-month price target and RQD AI Jury consensus?

HAFC's 12-month base price target is $35.81 (range $27.17 to $42.26), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

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