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Hope Bancorp Inc (HOPE)
NASDAQ:HOPE
Earnings Data
Report Date
Apr 28, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.22Last Year’s EPS
0.17Same Quarter Last Year
Moderate Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed strong underlying financial momentum with material year-over-year net income and net interest income growth, meaningful NIM expansion, improving asset quality, and clear 2026 targets for loan and revenue growth. Capital remains strong with a dividend and buyback authorization. Headwinds include elevated noninterest expense related to strategic hiring, a high efficiency ratio (68%) that management aims to improve over time, some seasonal deposit volatility and dependence on an acquisition for part of YoY growth, and margin sensitivity to future Fed rate moves. On balance, the positives in revenue, asset quality, and outlook materially outweigh the lowlights.Company Guidance
Strong Net Income Growth
Net income of $34.0M in 4Q25, up 42% year-over-year (from $24.0M) and up 12% quarter-over-quarter (from $31.0M), driven by higher net interest income, stronger fee income, lower provision for credit losses, and lower tax expense.
Net Interest Income and Margin Expansion
Net interest income of $127M in 4Q25, up 25% year-over-year and 1% sequentially; net interest margin (NIM) of 2.90%, up 40 basis points year-over-year and +1 bp quarter-over-quarter, benefiting from lower funding costs and higher investment securities yields.
Loan and Deposit Growth
Gross loans of $14.8B at 12/31/25, up 8% year-over-year and 1% quarter-over-quarter; deposits of $15.6B, up 9% year-over-year (Territorial acquisition contribution), with loan production volumes in 4Q25 up 39% versus year-ago quarter.
Improved Funding Mix and Lower Deposit Costs
Reduced reliance on broker deposits (down 15% year-over-year); spot rate on total deposits 2.68% as of 12/31/25; CD repricing opportunity of $6.3B in 2026 (including $2.5B repricing in 1Q26 with a pre-rolloff weighted average rate of ~3.99%), with new roll-ons in the ~3.70%–3.80% range aiding future deposit cost reduction.
Fee Income Momentum
Customer-level swap fees of $6M for full year 2025, up ~270% from $1.6M in 2024; diversified fee income lines and continued fee income execution initiatives.
Asset Quality Improvement
Criticized loans down to $351M at 12/31/25, down 22% year-over-year and 6% quarter-over-quarter; criticized loan ratio improved to 2.39% (from 3.30% YoY); C&I special mention loans declined 48% linked quarter; net charge-offs $3.6M in 4Q25 (annualized 10 bps) versus $5.1M (14 bps) in 3Q25; provision for credit losses down to $7.2M from $8.7M.
Capital Strength and Shareholder Returns
All capital ratios increased quarter-over-quarter and remain well above well-capitalized requirements; board declared quarterly common dividend of $0.14/sh and reinstated share repurchase authorization with $35M available.
Positive 2026 Outlook and Medium-Term Targets
Management outlook: 2026 loan growth in high single digits, revenue growth of 15%–20%, pre-provision net revenue growth of 25%–30%, and continued NIM expansion tailwinds; medium-term ROAA target ~1.2% and efficiency ratio target in mid-50s.
HOPE Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
HOPE Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jan 27, 2026 | $11.65 | $12.02 | +3.23% |
Sep 30, 2025 | $10.45 | $10.51 | +0.56% |
Jul 22, 2025 | $10.93 | $10.43 | -4.58% |
Apr 22, 2025 | $9.07 | $9.23 | +1.78% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Hope Bancorp Inc (HOPE) report earnings?
Hope Bancorp Inc (HOPE) is schdueled to report earning on Apr 28, 2026, After Close (Confirmed).
What is Hope Bancorp Inc (HOPE) earnings time?
Hope Bancorp Inc (HOPE) earnings time is at Apr 28, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is HOPE EPS forecast?
HOPE EPS forecast for the fiscal quarter 2026 (Q1) is 0.22.