Hanmi Financial Corporation — Earnings Quality Grade A
HAFC · Financial Services
Strong financial health
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 33 days, change -3 days YoY
AR growth 6.7% vs revenue growth 15.7%
Revenue 15.7%, CFFO 292.0%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -11.9% vs revenue 15.7%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 2.71. Profits backed by cash
FCF $0.2B, FCF/NI = 2.68
Accruals ratio = -1.7%. Low accruals
Cash $0.2B covers 76% of debt $0.3B
Balance Sheet Health
Goodwill+Intangibles $0.0B = 1% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change 0% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
Hanmi Financial Corporation is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25