What is HAFC's 12-month stock price target?

Hanmi Financial Corporation (HAFC) carries a 12-month consensus base price target of $35.91 (+7.6% from $33.36), with a bull-case target of $42.37 and a bear-case floor of $27.36.

Stock Ratings / Financials / HAFC / forecast

CPF (73) CAC (66) TRST (61) SBSI (64) ⌘ Pro Terminal →

Hanmi Financial Corporation (HAFC) 12-Month Stock Forecast & Price Target Cone

Q: Is HAFC stock a Buy, Hold, or Sell right now?

Roarable's 5-Pillar RQD Quant Engine rates HAFC B (Buy — BUY) with an RQD Confidence score of 75/100.

$33.36 +2.49% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $33.59

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.

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 $33.36 (+2.49% 1D, market cap $965.1M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 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: $33.59 (+0.69%)🧬 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

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+7.6% Base Target

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)

Grade B-$30.89+1.9% Next Q

Q2 (-2Q)

Grade B$31.47+3% Next Q

Q3 (-1Q)

Grade B$32.41+2.9% Next Q

Current

Grade B$33.36+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 ($35.91) toward Bear Floor ($27.36).

🎲 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 →

INTERACTIVE 12-MONTH POSITION SIMULATOR

Drag to Test Your HAFC Position Size: $10,000

Shares at $33.36: 299.8 sh

$1,000$10,000$25,000$50,000$100,000

12M Bear Case FloorTarget $27.36

$8,201

$-1,799 (-18.0%)

12M Consensus BaseTarget $35.91

$10,764

+$764 (+7.6%)

12M Bull Case BreakoutTarget $42.37

$12,701

+$2,701 (+27.0%)

Wall Street Analyst Breakdown & Historical Accuracy Audit (43 Desks)

Street Historical Accuracy: 64/100

● Strong Buy / Buy: 32● Hold: 9● Sell: 2

Wall Street Firm	Stance	12M Target	1Y Accuracy	Track Grade
Morgan StanleyInstitutional Equity Desk	OUTPERFORM	$37	74%	A
Goldman SachsSector Coverage Lead	STRONG BUY	$40	69%	B
JP MorganUS Large-Cap Research	HOLD	$32	58%	C

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

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HAFC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +13.16%⚡ TESTING RESISTANCE

2026-11-03O $33.13H $33.36L $32.55C $33.36VOL 306.8K

RES: $33.39SUP: $30.25SMA50: $31.67SMA200: $29.93

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

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

Reverse-DCF Expectations Hurdle

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

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%	+2.49%	$965.1M	Benchmark Subject
CPF Central Pacific Financial Corp	B	73/100	12.7x	—	13.1%	+2.61%	$966.4M	/cpf-vs-hafc →
CAC Camden National Corporation	C+	66/100	15.2x	—	9.4%	+2.77%	$968.9M	/cac-vs-hafc →
TRST TrustCo Bank Corp NY	C-	61/100	15.8x	—	8.9%	+2.76%	$958.0M	/trst-vs-hafc →
SBSI Southside Bancshares Inc.	C	64/100	14.3x	—	8.2%	+5.29%	$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?

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 $33.36 (+2.49% on volume of 186,532 shares), positioning the stock +5.34% above its 50-day simple moving average ($31.67) and +11.46% above its 200-day simple moving average ($29.93). Across its 52-week range of $24.54 to $33.50, HAFC sits at the 98.4% percentile with a 14-day RSI of 56.7 (BULLISH MOMENTUM) and an implied next-earnings move of ±3.9% ($32.06 to $34.66).

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) ✓ SEC XBRL & RQD VERIFIED

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

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit

Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Hanmi Financial Corporation (HAFC) earns a live Roarable RQD composite score of 75/100, corresponding to a B letter grade (Roarable Buy) at a spot price of $33.36 (+2.49% 1D, market capitalization $965.1M).

Fundamental Cash Engine (15/20): Anchored by return on invested capital (ROIC) of 7.5%, gross margin of —, operating margin of 28.2%, and free cash flow yield of 20.97%.
Whale 13F & Options Flow (14/20) + Insider Conviction (17/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
Macro Regime Fit (14/20) + Forensic Balance Sheet (15/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 7/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Hanmi Financial Corporation (HAFC) is a NASDAQ-listed issuer classified under the Financials sector and Major Banks industry. The profile does not describe its specific products, customer base, or revenue mix.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Hanmi Financial Corporation (HAFC) reported $270.2M in annual revenue (up from $234.4M in FY2024, +15.3% YoY) and $76.1M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($255.4M revenue, $80.0M net income) through FY2025, HAFC scaled operating cash flow to $206.0M and free cash flow to $206.0M, backed by $7.87B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case (B • RQD 75/100): Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Company leadership has skin in the game with net positive insider conviction. With Fundamental Cash Engine at 15/20 and Institutional Whale Flow at 14/20, sustained execution supports upside toward the upper end of the $24.54 – $33.50 52-week range.
🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 12.9x trailing P/E and 12.9x EV/EBITDA against 28.2% operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

The only sector context provided is the classification as Financials and Major Banks.

Key Question #1: Can HAFC sustain or expand its 28.2% operating margin and 7.5% ROIC against Major Banks peers over the next 4 quarters?
Key Question #2: Following FY2025 revenue of $270.2M and free cash flow of $206.0M, how will capital allocation balance growth reinvestment against $0 in total debt?
Key Question #3: How sensitive is HAFC's 10.8x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

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) ↓

🟡 MARKET WIRE Yahoo Finance • 21h ago

What Hanmi Financial (HAFC) Said on Its Q3 Earnings Call

Yahoo Finance report covering Hanmi Financial Corporation (HAFC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 1d ago

Hanmi Financial Corporation Estimates – NASDAQ:HAFC

TradingView report covering Hanmi Financial Corporation (HAFC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Seeking Alpha • 1d ago

Hanmi Financial Corporation 2026 Q3 - Results - Earnings Call Presentation (NASDAQ:HAFC) 2026-10-27

Seeking Alpha report covering Hanmi Financial Corporation (HAFC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Should Value Investors Buy Hanmi Financial (HAFC) Stock?

Yahoo Finance report covering Hanmi Financial Corporation (HAFC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 1d ago

Third-quarter results are scheduled after market close Oct. 27

Stock Titan report covering Hanmi Financial Corporation (HAFC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 1d ago

Hanmi Financial Corporation (NASDAQ:HAFC) Stock to Pay Quarterly Dividend of $0.28

MarketBeat report covering Hanmi Financial Corporation (HAFC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE The Manila Times • 1d ago

Hanmi Financial Declares Cash Dividend of $0.28 per share

The Manila Times report covering Hanmi Financial Corporation (HAFC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Hanmi Financial (HAFC) Reports Q3 Earnings: What Key Metrics Have to Say

Yahoo Finance report covering Hanmi Financial Corporation (HAFC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

HAFC Bull vs. Bear Conversation Board — What's Your Call at $33.36?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON HAFC 🐻 33% BEARISH CONVICTION

CA CashFlowKing RQD DEBATE OPENER • FCF Compounder Hunter 🐂 BULLISH 🎯 Target: $38.41 (+18.0%)

📌 Pinned Debate

Insider conviction (17/20) and a 20.97% FCF yield at a 12.9 trailing P/E point to strong cash generation and smart-money confidence.

Here is why I am bullish on HAFC here at $32.55: Insider conviction (17/20) and a 20.97% FCF yield at a 12.9 trailing P/E point to strong cash generation and smart-money confidence.. Compare HAFC's 28.2% operating margin and 7.5% ROIC against the rest of Major Banks. As long as cash conversion holds up, dips toward $30.92 are getting bought.

SectorRotator 🐂 BULL

@ShortSeller_Dan Fair point on 12.9x trailing P/E, but you're ignoring the forward operating leverage in Major Banks. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

SH ShortSeller_Dan RQD DEBATE OPENER • Forensic Short Bias 🐻 BEARISH 🎯 Target: $26.69 (-18.0%)

Spot @ $32.55

Financials are reported as N/A for cash, debt, and EPS, and the supply-chain and analyst data are absent, so the balance-sheet and forw

Sitting on the sidelines or leaning short HAFC above $32.55. Financials are reported as N/A for cash, debt, and EPS, and the supply-chain and analyst data are absent, so the balance-sheet and forward picture cannot be fully verified.. Until Fundamental Cash Engine (15/20) and FCF yield (20.97%) inflect higher, upside is capped near $33.50.