The earnings call highlighted several positive developments, including the successful acquisition of Territorial Bancorp, increased net income and interest income, improved deposit costs, and significant organic loan production growth. However, the call also reported a net loss due to notable items, increased nonperforming assets, and higher net charge-offs. Despite these challenges, the positive aspects of strategic growth and financial performance improvements were emphasized.

Company Guidance

During the Hope Bancorp 2025 Second Quarter Earnings Conference Call, management provided detailed guidance on several financial metrics. Net income for the second quarter, excluding notable items, was $24.5 million, which was a 7% increase from the first quarter. Earnings per diluted share remained consistent at $0.19 despite the issuance of 7 million shares due to the Territorial Bancorp acquisition. The company reported a net loss of $27.9 million, factoring in onetime losses related to securities sales and merger expenses. Pretax pre-provision net revenue, excluding notable items, increased by 17% to $41.2 million. Hope Bancorp's total deposits grew by 10% to $15.9 billion with the acquisition, while the average cost of interest-bearing deposits fell 37 basis points quarter-over-quarter. The loan portfolio reached $14.4 billion, marking an 8% increase. Net interest income rose by 17% to $118 million, and the net interest margin expanded by 15 basis points to 2.69%. The company anticipates high single-digit loan growth and net interest income growth for 2025, with fee income expected to grow in the high 20s percentage range. The effective tax rate is projected to be approximately 14% for the latter half of the year. Asset quality remains stable, with a criticized loan ratio of 2.87% and an allowance coverage of loans at 1.04%.

Completion of Territorial Bancorp Acquisition

Hope Bancorp completed the acquisition of Territorial Bancorp, entering the strategically important market of Hawaii.

Increase in Net Income Excluding Notable Items

Net income for the second quarter of 2025, excluding notable items, totaled $24.5 million, up 7% from the preceding quarter.

Growth in Pretax Pre-Provision Net Revenue

Pretax pre-provision net revenue, excluding notable items, grew to $41.2 million, up 17% from the previous quarter.

Improvement in Deposit Costs

The average cost of interest-bearing deposits declined by 37 basis points quarter-over-quarter, and the average cost of total deposits decreased by 22 basis points.

Organic Loan Production Increase

Organic loan production increased by 57% from the first quarter levels, with a well-diversified mix of originations.

Increase in Net Interest Income

Net interest income totaled $118 million, an increase of 17% from the prior quarter.

Decline in Brokered Deposits Exposure

Brokered deposits exposure decreased by $183 million or 19% quarter-over-quarter, reducing the broker deposits ratio to 5% of total deposits.

Hope Bancorp (HOPE) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

HOPE Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 27, 2025	2025 (Q3)	0.25 / -	0.21	―	―	―
Jul 22, 2025	2025 (Q2)	-0.14 / -0.22	0.22	-200.00% (-0.44)
Apr 22, 2025	2025 (Q1)	0.18 / 0.17	0.23	-26.09% (-0.06)
Jan 27, 2025	2024 (Q4)	0.14 / 0.20	0.22	-9.09% (-0.02)
Oct 28, 2024	2024 (Q3)	0.22 / 0.21	0.25	-16.00% (-0.04)
Jul 29, 2024	2024 (Q2)	0.22 / 0.22	0.32	-31.25% (-0.10)
Apr 29, 2024	2024 (Q1)	0.26 / 0.23	0.33	-30.30% (-0.10)
Jan 30, 2024	2023 (Q4)	0.25 / 0.22	0.43	-48.84% (-0.21)
Oct 23, 2023	2023 (Q3)	0.24 / 0.25	0.45	-44.44% (-0.20)
Jul 24, 2023	2023 (Q2)	0.30 / 0.32	0.43	-25.58% (-0.11)

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
Jul 22, 2025	$11.20	$10.69	-4.55%
Apr 22, 2025	$9.29	$9.46	+1.83%
Jan 27, 2025	$11.64	$11.77	+1.12%
Oct 28, 2024	$11.86	$11.92	+0.51%

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 (HOPE) report earnings?

Hope Bancorp (HOPE) is schdueled to report earning on Oct 27, 2025, After Close (Confirmed).

What is Hope Bancorp (HOPE) earnings time?

Hope Bancorp (HOPE) earnings time is at Oct 27, 2025, 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 2025 (Q3) is 0.25.

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