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Hope Bancorp, Inc.

Hope Bancorp, Inc.

NASDAQ•HOPE
CEO: Mr. Kevin Sung Kim J.D.
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 1998-01-29
Hope Bancorp, Inc. operates as the bank holding company for Bank of Hope that provides retail and commercial banking services for businesses and individuals in the United States. It accepts personal and business checking, money market, savings, time deposit, and individual retirement accounts. The company also offers loans comprising commercial and industrial loans to businesses for various purposes, such as working capital, purchasing inventory, debt refinancing, business acquisitions, international trade finance, other business-related financing, and loans syndication services; commercial real estate loans; residential mortgage loans; small business administration loans; and consumer loans, such as single-family mortgage, home equity, automobile, credit card, and personal loans. In addition, it provides internet banking and bill-pay, remote deposit capture, lock box, and ACH origination services; treasury management services; foreign currency exchange transactions; interest rate contracts and wealth management services; automated teller machine services; and engages in investment activities. Hope Bancorp, Inc. was founded in 1986 and is headquartered in Los Angeles, California.
Contact Information
3200 Wilshire Boulevard, Suite 1400, Los Angeles, CA, 90010, United States
213-639-1700
www.bankofhope.com
Market Cap
$1.36B
P/E (TTM)
26.5
14.2
Dividend Yield
5.3%
52W High
$13.93
52W Low
$8.82
52W Range
35%
3.6
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 3.6 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2015-2024

Financial Dashboard

Q3 2025 Data

Revenue

$254.68M+3.14%
4-Quarter Trend

EPS

$0.24+20.00%
4-Quarter Trend

FCF

$47.17M-21.57%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Asset Growth Post-Merger Total assets reached $18.51B, up 8.5% from year-end, driven by Territorial acquisition closing April 2, 2025.
Strong NIM Expansion Q3 2025 Net Interest Margin improved 34 basis points to 2.89%, aided by lower deposit funding costs.
Capital Ratios Solid Company CET1 ratio was 12.12%, well above the 7.00% minimum requirement following the acquisition integration.
Loan Portfolio Expansion Net loans receivable grew 7.1% to $14.59B, primarily due to $1.07B in loans acquired from Territorial.

Risk Factors

Credit Quality Creep Nonaccrual loans ratio rose to 0.75% of total loans, up from 0.67% at December 31, 2024.
Interest Rate Risk Exposure NII simulations indicate potential 2.1% contraction under a modest 100 basis point rate increase scenario.
Merger Integration Hurdles Risks include achieving anticipated synergies, managing potential deposit attrition, and higher than expected transaction costs.
Legal Exposure Noted Accrued loss contingencies for legal claims total $302K, with management noting potential for losses exceeding accruals.

Outlook

Economic Uncertainty Factors Future results remain sensitive to prolonged government shutdowns, inflation, and potential adverse economic recession impacts.
California Tax Law Change Effective tax rate was impacted by California's transition to a single-sales-factor apportionment formula effective 2025.
Liquidity Position Sufficient Total liquidity sources of $8.77B (capacity plus cash/securities) are deemed sufficient for foreseeable short-term needs.
Investment Portfolio Repositioning Legacy AFS portfolio repositioning completed in Q2 2025, redeploying sales proceeds into higher-yielding investment securities.

Peer Comparison

Revenue (TTM)

Merchants BancorpMBIN
$1.39B
-1.8%
First Merchants CorporationFRME
$1.04B
-2.0%
Hope Bancorp, Inc.HOPE
$945.24M
-8.9%

Gross Margin (Latest Quarter)

S&T Bancorp, Inc.STBA
64.4%
-3.1pp
Hope Bancorp, Inc.HOPE
53.6%
+7.7pp
Dime Community Bancshares, Inc.DCOM
0.0%
+0.0pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
FRME$2.12B9.19.9%6.3%
TCBK$1.56B13.49.3%0.9%
SRCE$1.53B10.312.7%1.9%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
+1.8%
Moderate Growth
4Q Net Income CAGR
+11.9%
Profitability Improving
Cash Flow Stability
100%
Strong Cash Flow

Research & Insights

Reports
All Years

  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Nov 6, 2025|
    Revenue: $254.68M+3.1%
    |
    EPS: $0.24+20.0%
    Miss

  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 8, 2025|
    Revenue: $216.21M-11.3%
    |
    EPS: $-0.22-204.8%
    Miss

  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 8, 2025|
    Revenue: $232.85M-13.1%
    |
    EPS: $0.17-22.7%
    Miss

  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Feb 26, 2025|
    Revenue: $1.00B-8.6%
    |
    EPS: $0.83-25.2%
    Beat

  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Nov 8, 2024|
    Revenue: $246.92M-13.1%
    |
    EPS: $0.20-20.0%
    Miss

  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 6, 2024|
    Revenue: $243.67M-14.3%
    |
    EPS: $0.21-34.4%
    Miss

  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 7, 2024|
    Revenue: $267.96M+8.2%
    |
    EPS: $0.22-33.3%
    Miss

  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Feb 28, 2024|
    Revenue: $1.09B+42.6%
    |
    EPS: $1.11-39.0%
    Beat