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

$1.49B

P/E (TTM)

25.6

14.9

Dividend Yield

4.8%

52W High

$12.79

52W Low

$8.82

52W Range

71%

Rank45Top 56.8%

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: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$258.56M+7.07%

4-Quarter Trend

EPS

$0.27+35.00%

4-Quarter Trend

FCF

$68.96M+0.00%

4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Net Income Drops Post-Merger Net Income fell 38% to $61.6M in 2025, significantly impacted by $51.8M in net notable items related to the Territorial Merger.

NIM Improves Slightly Net Interest Margin rose to 2.76% in 2025, driven by a lower cost of funds, partially offsetting lower yields on earning assets.

Asset Growth Via Acquisition Total assets grew 8.7% to $18.53B by year-end, primarily reflecting the April 2, 2025 acquisition of Territorial Bancorp Inc.

Asset Quality Deterioration Noted Nonperforming assets increased 49% to $136.1M, resulting in a higher Provision for Credit Losses of $31.8M for the year.

Risk Factors

High CRE Portfolio Concentration The CRE loan portfolio remains large at 58% of total loans, exposing profitability to potential weakness in commercial real estate markets.

Rising Nonaccrual Loans Nonaccrual loans surged to $131.7M, signaling increased credit stress and potential for further material adverse impact on earnings.

Interest Rate Sensitivity Exposure Simulation models indicate potential NII sensitivity, showing earnings could decline up to 6.6% under a severe 300 basis point rate drop.

Cybersecurity and Operational Risks Heavy reliance on information systems and third-party vendors creates material operational risk from potential cybersecurity breaches.

Outlook

Integration Challenges Ahead Management anticipates difficulties and delays integrating Territorial, which may affect achieving anticipated synergies and cost savings.

Strong Capital Position Maintained Capital ratios remain robust, exceeding all regulatory minimums, including maintaining the required 2.5% capital conservation buffer.

Credit Quality Monitoring Focus The ACL is deemed adequate, but management will closely monitor CRE risk given regulatory scrutiny and updated economic forecasts.

Dividend Policy Constraints Future dividend payments and stock repurchases remain subject to FRB policy and the Bank's ongoing capital strength post-acquisition.

Peer Comparison

Revenue (TTM)

WAFD

$1.39B

-6.7%

MBIN

$1.36B

-5.9%

FRME

$1.05B

-0.3%

Gross Margin (Latest Quarter)

TCBK

79.7%

+5.9pp

GABC

74.0%

+2.9pp

SRCE

73.6%

+5.8pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
FRME	$2.50B	10.0	9.5%	5.3%
WAFD	$2.43B	10.1	8.0%	9.1%
MBIN	$2.04B	9.3	9.9%	19.8%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

3.6%

Moderate Growth

4Q Net Income CAGR

17.8%

Profitability Improved

Cash Flow Stability

100%

Strong Cash Flow

Deep Research

Next earnings:Apr 20, 2026

EPS:-

Revenue:-

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data