Hope Bancorp Inc (HOPE)
NASDAQ:HOPE
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Hope Bancorp
(NASDAQ:HOPE)
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Rating:69Neutral
Price Target:
$13.50
▲(7.74% Upside)
Action:Downgraded
Date:05/09/26
The score is driven primarily by improving strategic momentum and guidance from the latest earnings call (growth outlook and accretive acquisition), supported by a safer balance sheet and solid cash generation. The main constraint is still-low profitability/ROE versus prior years, while technicals are moderately positive and valuation is reasonable with a solid dividend yield.
Positive Factors
Conservative leverage and stronger capital
Sustained low leverage and rising equity provide durable financial flexibility: supports lending capacity, cushions credit losses, and enables capital actions or M&A without immediate strain. A safer balance sheet reduces refinancing risk and underpins strategic growth over the next 2–6 months.
Negative Factors
Weak profitability and depressed returns on equity
Substantially lower margins and ROE indicate the franchise is currently generating weak returns on capital. Persistently low profitability limits internal capital generation, constrains dividend and buyback capacity, and raises pressure to improve margins or execute accretive deals to restore long-term shareholder returns.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative leverage and stronger capital
Sustained low leverage and rising equity provide durable financial flexibility: supports lending capacity, cushions credit losses, and enables capital actions or M&A without immediate strain. A safer balance sheet reduces refinancing risk and underpins strategic growth over the next 2–6 months.
Read all positive factors
Hope Bancorp (HOPE) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.58B
Dividend Yield4.97%
Average Volume (3M)813.77K
Price to Earnings (P/E)12.2
Beta (1Y)0.89
Revenue Growth0.06%
EPS Growth-33.52%
CountryUS
Employees1,227
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.52
Shares Outstanding127,838,880
10 Day Avg. Volume904,590
30 Day Avg. Volume813,774
Financial Highlights & Ratios
PEG Ratio-0.54
Price to Book (P/B)0.62
Price to Sales (P/S)1.46
P/FCF Ratio9.32
Enterprise Value/Market Cap0.87
Enterprise Value/Revenue1.41
Enterprise Value/Gross Profit2.82
Enterprise Value/Ebitda14.76
Forecast
1Y Price Target
$13.75Price Target Upside9.74% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering4
EPS Forecast (FY)1.09
Revenue Forecast (FY)$625.50M
Hope Bancorp Business Overview & Revenue Model
Company Description
Hope Bancorp, Inc. operates as the bank holding company for Bank of Hope that provides banking services for small and medium-sized businesses, and individuals in the United States. The company accepts personal and business checking, money market, ...
How the Company Makes Money
Hope Bancorp primarily earns money through traditional banking activities. The largest driver is net interest income: the bank collects interest and fees on loans (such as commercial real estate, commercial and industrial, and other consumer/busin...
Hope Bancorp Earnings Call Summary
Earnings Call Date:Apr 28, 2026
(Q1-2026)
| % Change Since: |
Next Earnings Date:Jul 21, 2026
Earnings Call Sentiment Positive
The call emphasized strong year‑over‑year financial performance (notably net income, pre‑provision net revenue, NII and margin expansion), improved efficiency and improving asset quality, and a strategically important, accretive acquisition (SMBC Manubank) that materially boosts loans and deposits. Offsetting items include a QoQ decline in net income, higher net charge‑offs and provisions this quarter, modest softening in noninterest income, and a noted CRE concentration on a pro forma basis that management is actively managing. On balance, the positive operational and strategic developments, together with clear capital actions and guidance for meaningful loan and revenue growth (including the accretive acquisition), outweigh the near‑term credit and noninterest income headwinds.Positive Updates
Strong Net Income Growth Year‑over‑Year
Net income of $30.0M in Q1 2026, up 40% YoY from $21.0M a year ago (despite a QoQ decline from $34M driven by higher provision and taxes).
Negative Updates
Quarterly Net Income Decline
Net income decreased QoQ from $34M to $30M (≈‑11.8%) due to higher provision for credit losses and a higher effective tax rate relative to the prior quarter.
Read all updates
Q1-2026 Updates
Positive
Negative
Strong Net Income Growth Year‑over‑Year
Net income of $30.0M in Q1 2026, up 40% YoY from $21.0M a year ago (despite a QoQ decline from $34M driven by higher provision and taxes).
Read all positive updates
Company Guidance
Management guided full‑year 2026 loan growth of >20% (12/31/25–12/31/26) including ~ $2.5B of loans and ~$2.7B of deposits from the pending Manubank deal (≈3% CDs), modeled as one quarter of contribution assuming a mid‑second‑half close; organic loan growth is expected to be mid‑single digits with flat CRE balances and moderated CRE growth, and pro‑forma CRE concentration around 320%. They expect total revenue growth at the higher end of the 15–20% range and pre‑provision net revenue growth (ex‑notables) of 25–30% for 2026 (one quarter of Manubank operating expenses included), assume no Fed funds cuts in 2026, a full‑year effective tax rate of 25–26%, tangible book value earn‑back of ~2 years, Manubank cost savings to begin in 2027 and the transaction to be meaningfully accretive to 2027 earnings. Management also highlighted a quarterly deposit cost tailwind of roughly 5–7 bps from CD repricing, $29M of remaining share repurchase capacity after $7M (≈604k shares, ~0.5% of shares) bought this quarter, and a quarterly dividend of $0.14 per share.Hope Bancorp Financial Statement Overview
Summary
Income Statement
52
Neutral
Balance Sheet
74
Positive
Cash Flow
66
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 981.58M | 967.79M | 1.00B | 1.09B | 767.51M | 610.13M |
| Gross Profit | 490.56M | 470.36M | 456.64M | 539.85M | 619.97M | 568.56M |
| EBITDA | 93.75M | 83.67M | 132.96M | 177.89M | 296.05M | 275.27M |
| Net Income | 66.97M | 58.52M | 99.63M | 133.67M | 218.28M | 204.57M |
Balance Sheet | ||||||
| Total Assets | 18.66B | 18.53B | 17.05B | 19.13B | 19.16B | 17.89B |
| Cash, Cash Equivalents and Short-Term Investments | 594.77M | 2.63B | 458.20M | 4.07B | 2.48B | 3.00B |
| Total Debt | 396.28M | 395.88M | 392.64M | 1.96B | 1.25B | 678.87M |
| Total Liabilities | 16.37B | 16.25B | 14.92B | 17.01B | 17.15B | 15.80B |
| Stockholders Equity | 2.28B | 2.28B | 2.13B | 2.12B | 2.02B | 2.09B |
Cash Flow | ||||||
| Free Cash Flow | 134.82M | 151.46M | 106.91M | 460.65M | 476.42M | 316.99M |
| Operating Cash Flow | 151.69M | 164.55M | 116.72M | 473.78M | 485.54M | 324.21M |
| Investing Cash Flow | 203.47M | 525.31M | 466.52M | 1.29B | -1.47B | -993.04M |
| Financing Cash Flow | -493.87M | -588.00M | -2.05B | -341.47M | 1.18B | 634.52M |
Hope Bancorp Technical Analysis
Positive
12.53
Price Trends
11.76
Positive
11.63
Positive
11.03
Positive
Market Momentum
0.05
Positive
57.01
Neutral
54.50
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HOPE, the sentiment is Positive. The current price of 12.53 is above the 20-day moving average (MA) of 12.27, above the 50-day MA of 11.76, and above the 200-day MA of 11.03, indicating a bullish trend. The MACD of 0.05 indicates Positive momentum. The RSI at 57.01 is Neutral, neither overbought nor oversold. The STOCH value of 54.50 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HOPE.
Hope Bancorp Risk Analysis
Hope Bancorp disclosed 34 risk factors in its most recent earnings report. Hope Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Hope Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $1.61B | 11.36 | 9.87% | 2.83% | 2.52% | 15.48% | |
73 Outperform | $1.62B | 10.53 | 8.46% | 3.14% | 15.01% | 316.06% | |
70 Outperform | $1.51B | 10.66 | 12.33% | 0.28% | 3.37% | 19.68% | |
69 Neutral | $1.58B | 12.17 | 2.96% | 4.97% | 0.06% | -33.52% | |
69 Neutral | $1.88B | 17.98 | 7.35% | 3.07% | 3.09% | -7.54% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | $1.56B | 55.83 | 3.40% | ― | 6.29% | 220.03% |
* Financial Sector Average
HOPE
Hope Bancorp
12.38
2.77
28.80%
DCOM
Dime Community Bancshares
36.77
11.97
48.25%
QCRH
QCR Holdings
91.31
22.79
33.26%
TCBK
Trico Bancshares
50.60
11.84
30.53%
TFIN
Triumph Financial
65.51
7.21
12.37%
NBHC
National Bank Holdings
42.04
6.28
17.56%
Hope Bancorp Corporate Events
Business Operations and StrategyStock BuybackDividendsFinancial DisclosuresM&A Transactions
Hope Bancorp Posts Strong Q1 Results, Declares Dividend
Positive
Apr 28, 2026
Hope Bancorp reported unaudited first-quarter 2026 results on April 28, 2026, posting net income of $29.5 million, or $0.23 per diluted share, up 40% from a year earlier but down 14% from the prior quarter. Pre-provision net revenue rose 43% year ...
Executive/Board Changes
Hope Bancorp Elevates Peter Koh to President and COO
Positive
Apr 1, 2026
On March 26, 2026, Hope Bancorp’s board promoted Peter J. Koh to President and Chief Operating Officer of Bank of Hope, effective April 1, 2026, elevating him from his prior role as Senior Executive Vice President and COO. Kevin S. Kim will ...
Business Operations and StrategyM&A Transactions
Hope Bancorp to Acquire SMBC MANUBANK Commercial Banking Unit
Positive
Apr 1, 2026
On March 31, 2026, Hope Bancorp announced that its subsidiary Bank of Hope agreed to acquire the Commercial Banking Unit of SMBC MANUBANK in an all-cash deal that will transfer about $2.5 billion in loans, $2.7 billion in deposits and eight Southe...
Executive/Board Changes
Hope Bancorp Announces Upcoming Retirement of Two Directors
Neutral
Mar 20, 2026
On March 19, 2026, Hope Bancorp, Inc. announced that board member David P. Malone intends to retire from the board effective at the company’s 2026 Annual Meeting of Stockholders and will not stand for re-election. He will remain on the board...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.