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Hope Bancorp
(NASDAQ:HOPE)
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Rating:73Outperform
Price Target:
$15.50
▲(15.24% Upside)
Action:Upgraded
Date:08/07/26
HOPE scores in the low-to-mid 70s primarily due to improving TTM profitability and cash generation with a conservatively positioned balance sheet. Technicals add support with an uptrend across major moving averages. Valuation is reasonable with a mid-teens P/E and ~4% yield, while the earnings call adds a modest boost on reiterated growth/NIM guidance, tempered by execution risk around the MANUBANK closing and ongoing funding-cost competition.
Positive Factors
Conservative Balance Sheet
Sustained low leverage and a sizable equity cushion provide durable loss-absorption capacity and funding flexibility. This supports continued lending activity through cycles, underpins capital returns, and reduces refinancing and solvency risk versus peer regional banks over the next several quarters.
Negative Factors
Acquisition Timing Risk
Guidance materially depends on a near-term regulatory close; any delay would compress projected loan/deposit additions, PPNR and NIM expansion. This creates execution risk that can persist for multiple quarters and complicates planning for capital deployment and funding-cost normalization.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative Balance Sheet
Sustained low leverage and a sizable equity cushion provide durable loss-absorption capacity and funding flexibility. This supports continued lending activity through cycles, underpins capital returns, and reduces refinancing and solvency risk versus peer regional banks over the next several quarters.
Read all positive factors
Hope Bancorp (HOPE) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.79B
Dividend Yield4%
Average Volume (3M)813.77K
Price to Earnings (P/E)14.0
Beta (1Y)0.93
Revenue Growth7.45%
EPS GrowthN/A
CountryUS
Employees1,434
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.00
Shares Outstanding127,838,880
10 Day Avg. Volume904,590
30 Day Avg. Volume813,774
Financial Highlights & Ratios
PEG Ratio-0.53
Price to Book (P/B)0.62
Price to Sales (P/S)1.46
P/FCF Ratio9.32
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$15.50Price Target Upside15.24% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)1.09
Revenue Forecast (FY)$623.67M
Hope Bancorp Business Overview & Revenue Model
Company Description
Hope Bancorp, Inc., established in 2000 and headquartered in Los Angeles, California, functions as the parent entity for Bank of Hope. Through its subsidiary, Bank of Hope, it delivers a comprehensive suite of banking solutions to both individuals...
How the Company Makes Money
Hope Bancorp primarily makes money through its banking operations at Bank of Hope. The core earnings driver is net interest income: the bank collects interest and fees on loans (such as commercial and industrial loans, commercial real estate loans...
Hope Bancorp Earnings Call Summary
Earnings Call Date:Jul 27, 2026
(Q2-2026)
| % Change Since: |
Next Earnings Date:Oct 26, 2026
Earnings Call Sentiment Positive
The call presented a largely positive operational and financial picture: revenue, NII, NIM, PPNR, loans and deposits all grew, efficiency improved, asset quality metrics trended favorably year-over-year, and capital ratios remain strong while management returned capital to shareholders. Key drivers of near-term growth include continued organic loan origination and the pending MANUBANK acquisition (expected to add meaningful loans and deposits). Principal risks highlighted were competitive deposit pricing, the timing dependency on the MANUBANK close for guidance, modest quarter-to-quarter increases in criticized loans, and some merger-related expenses. Overall, the positives (broad-based revenue and margin expansion, improving PPNR, capital strength, and a clear acquisition that adds scale) outweigh the manageable execution and market risks discussed on the call.Positive Updates
Strong Revenue and EPS Growth
Second quarter 2026 revenue of $148 million; reported diluted EPS of $0.26, up 12% sequentially. Diluted EPS excluding notable items $0.27, up 17% sequentially and up 40% year-over-year from $0.19.
Negative Updates
Reliance on MANUBANK Timing for Guidance
Management's 2026 outlook assumes approximately one quarter of MANUBANK contribution and end-of-period loan growth of ~20% including MANUBANK. Closing remains subject to regulatory approvals and timing uncertainty; any delay could impact revenue, PPNR and loan growth targets.
Read all updates
Q2-2026 Updates
Positive
Negative
Strong Revenue and EPS Growth
Second quarter 2026 revenue of $148 million; reported diluted EPS of $0.26, up 12% sequentially. Diluted EPS excluding notable items $0.27, up 17% sequentially and up 40% year-over-year from $0.19.
Read all positive updates
Company Guidance
Management's full‑year 2026 guidance was reiterated: management expects end‑of‑period loan growth of ~20% (including MANUBANK balances), revenue growth of 15–20%, and pre‑provision net revenue (PPNR) growth of 25–30% (all excluding notable items and assuming one quarter of MANUBANK contribution in Q4); the MANUBANK deal (expected to close in H2 2026) is anticipated to add about $2.3B of loans and $2.6B of deposits based on June 30 balances, net interest margin is expected to expand a few basis points each quarter for the rest of 2026 (June spot NIM ~2.98%, Q2 NIM 2.96%), SBA gain‑on‑sale proceeds are guided to roughly $16–17M for 2026, and the outlook emphasizes prudent expense discipline, active credit oversight, improved deposit mix and funding‑cost management.Hope Bancorp Financial Statement Overview
Summary
Income Statement
68
Positive
Balance Sheet
74
Positive
Cash Flow
72
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.02B | 967.79M | 1.00B | 1.09B | 767.51M | 610.13M |
| Gross Profit | 547.91M | 470.36M | 456.64M | 539.85M | 619.97M | 568.56M |
| EBITDA | 166.23M | 83.67M | 132.96M | 177.89M | 296.05M | 275.27M |
| Net Income | 127.88M | 58.52M | 99.63M | 133.67M | 218.28M | 204.57M |
Balance Sheet | ||||||
| Total Assets | 18.99B | 18.53B | 17.05B | 19.13B | 19.16B | 17.89B |
| Cash, Cash Equivalents and Short-Term Investments | 640.44M | 2.63B | 458.20M | 4.07B | 2.48B | 3.00B |
| Total Debt | 583.67M | 395.88M | 392.64M | 1.96B | 1.25B | 678.87M |
| Total Liabilities | 16.70B | 16.25B | 14.92B | 17.01B | 17.15B | 15.80B |
| Stockholders Equity | 2.30B | 2.28B | 2.13B | 2.12B | 2.02B | 2.09B |
Cash Flow | ||||||
| Free Cash Flow | 195.72M | 151.46M | 106.91M | 460.65M | 476.42M | 316.99M |
| Operating Cash Flow | 216.53M | 164.55M | 116.72M | 473.78M | 485.54M | 324.21M |
| Investing Cash Flow | -614.56M | 525.31M | 466.52M | 1.29B | -1.47B | -993.04M |
| Financing Cash Flow | 383.45M | -588.00M | -2.05B | -341.47M | 1.18B | 634.52M |
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 |
|---|---|---|---|---|---|---|---|
81 Outperform | $1.84B | 13.67 | 10.23% | 2.48% | 3.50% | 23.44% | |
73 Outperform | $1.79B | 14.01 | 5.61% | 4.16% | 7.45% | ― | |
73 Outperform | $1.80B | 14.66 | 8.67% | 2.53% | 14.80% | 226.31% | |
72 Outperform | $1.70B | 12.11 | 12.70% | 0.28% | 6.17% | 27.24% | |
68 Neutral | $1.81B | 51.30 | 4.09% | ― | 9.21% | 234.88% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $1.93B | 16.81 | 6.47% | 2.94% | 8.43% | -23.02% |
* Financial Sector Average
HOPE
Hope Bancorp
13.99
4.48
47.05%
DCOM
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40.32
13.68
51.33%
QCRH
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103.87
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47.81%
TCBK
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57.27
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43.50%
TFIN
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76.01
22.46
41.94%
NBHC
National Bank Holdings
42.62
7.21
20.36%
Hope Bancorp Corporate Events
Business Operations and StrategyDividendsFinancial DisclosuresM&A Transactions
Hope Bancorp Reports Strong Q2 2026 Results
Positive
Jul 27, 2026
On July 27, 2026, Hope Bancorp reported unaudited financial results for the second quarter and first half of 2026, posting net income of $33.0 million, or $0.26 per diluted share, a 12% sequential increase and a sharp reversal from a net loss in t...
Executive/Board ChangesShareholder Meetings
Hope Bancorp Shareholders Back Board, Auditor and Pay
Positive
May 22, 2026
Hope Bancorp, Inc. held its 2026 annual meeting of stockholders on May 21, 2026, via live webcast, with 88.53% of outstanding common shares represented. Shareholders elected all nominated directors to serve until the next annual meeting, reflectin...
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.