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HOPE

Hope Bancorp, Inc.

HOPE

Hope Bancorp, Inc. • NASDAQ
$10.62 ▼ -0.84% (-0.09)
Market Cap $1.36 B
52w High $13.84
52w Low $8.82
Dividend Yield 0.56%
P/E 27.23
Volume 275.87K
Outstanding Shares 128.18M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $254.676M ▲ $96.861M ▼ $34.059M ▲ 13.373% ▲ $0.24 ▲ $85.973M ▲
Q2-2025 $216.214M ▼ $109.473M ▲ $-27.881M ▼ -12.895% ▼ $-0.22 ▼ $-29.896M ▼
Q1-2025 $232.854M ▼ $83.861M ▲ $21.096M ▼ 9.06% ▼ $0.17 ▼ $27.844M ▼
Q4-2024 $241.496M ▼ $76.584M ▼ $24.337M ▲ 10.078% ▲ $0.2 $30.426M ▼
Q3-2024 $246.923M $81.268M $24.159M 9.784% $0.2 $32.1M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $454.909M ▼ $18.508B ▼ $16.252B ▼ $2.256B ▲
Q2-2025 $689.734M ▼ $18.547B ▲ $16.323B ▲ $2.224B ▲
Q1-2025 $737.427M ▲ $17.068B ▲ $14.908B ▼ $2.16B ▲
Q4-2024 $458.199M ▼ $17.054B ▼ $14.92B ▼ $2.135B ▼
Q3-2024 $2.602B $17.354B $15.184B $2.17B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $30.843M ▲ $51.731M ▲ $-145.267M ▼ $-141.289M ▲ $-234.825M ▼ $47.169M ▲
Q2-2025 $-27.881M ▼ $9.381M ▼ $410.216M ▲ $-463.345M ▼ $-43.748M ▼ $6.892M ▼
Q1-2025 $21.096M ▼ $26.667M ▼ $245.8M ▲ $2.816M ▲ $275.283M ▲ $24.008M ▼
Q4-2024 $24.337M ▲ $49.639M ▼ $7.657M ▼ $-279.954M ▼ $-222.658M ▼ $47.372M ▼
Q3-2024 $24.159M $63.038M $32.694M $-68.919M $26.813M $60.138M

Five-Year Company Overview

Income Statement

Income Statement Revenue has grown over the longer term, but profits have come under pressure in the last two years. The bank is still clearly profitable, yet earnings are now well below the levels reached in 2022. This suggests margin compression from higher funding costs, more conservative loan-loss provisioning, or both. Overall, the income statement shows a stable core franchise that is feeling the weight of the current rate and credit environment, rather than a broken business model, but there is less room for error than a few years ago.

Balance Sheet

Balance Sheet The balance sheet looks broadly steady and conservatively built. Total assets have drifted down slightly after earlier growth, which can signal a deliberate effort to reduce risk and refocus on more profitable or safer loans. Debt levels have come down meaningfully from their peak, which reduces refinancing risk and interest burden. Equity has been fairly stable, indicating no major capital stress. Liquidity, however, is tighter than the unusually high levels seen recently, so balance-sheet discipline and deposit stability remain key watch points.

Cash Flow

Cash Flow Cash generation from operations remains positive but has softened in line with weaker earnings. Free cash flow is close to operating cash flow because capital spending needs are relatively low for a regional bank. This means the business still throws off cash even in a tougher environment, but with less cushion than in its stronger years. The cash flow profile supports ongoing operations and gradual balance-sheet strengthening, yet does not currently point to abundant surplus cash for aggressive expansion or capital returns.

Competitive Edge

Competitive Edge Hope Bancorp’s edge comes from its deep roots in Korean-American and broader multicultural communities, where it enjoys strong brand recognition, cultural understanding, and long-standing relationships. Its expertise in small-business lending, especially SBA loans, and international trade finance for Asia-linked businesses gives it a specialized role that larger, more generic banks struggle to match. However, it still competes head‑to‑head with national and super‑regional banks for deposits and loans, and must also contend with increasingly digital‑first competitors. Its niche is a real strength, but it needs continued execution to avoid being squeezed on pricing and technology.

Innovation and R&D

Innovation and R&D Innovation here is focused on practical banking technology and tailored service rather than cutting‑edge fintech. The bank offers solid digital tools—mobile and online banking, cash management for businesses, and services like Zelle—wrapped in multilingual, culturally aware support. A major strategic move has been the acquisition and integration of Territorial in Hawaii, which adds a new market, more stable deposits, and a broader loan mix. Looking ahead, management appears focused on using data and digital channels to deepen relationships, expand fee-based services, and improve risk management. The risk is that progress here is more evolutionary than revolutionary, so the bank must keep pace with customer expectations without overspending on tech.

Summary

Overall, Hope Bancorp looks like a niche regional bank with a solid, community-based franchise that is working through a tougher profitability phase. Earnings have come down from prior peaks, but the bank remains firmly profitable with a reasonably conservative balance sheet and positive cash flow. Its strongest assets are its cultural niche, loyal customer base, and specialized lending expertise, now complemented by a broader footprint after the Hawaii acquisition. The main questions for the future are whether it can rebuild margins, grow fee income, and execute on digital and integration initiatives while managing credit risk in a still-uncertain economic and rate environment.

NEWS

November 10, 2025 · 8:03 AM UTC

HOPE Therapeutics, Inc., an NRx Pharmaceuticals Subsidiary, Announces First-in-Florida Initiation of One Day (ONE-D) Depression Treatment in Partnership with Ampa Health

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October 28, 2025 · 8:05 AM UTC

Hope Bancorp Declares Quarterly Cash Dividend of $0.14 Per Share

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October 28, 2025 · 8:00 AM UTC

Hope Bancorp Reports Financial Results for the Third Quarter of 2025

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October 14, 2025 · 8:00 AM UTC

Hope Bancorp to Report 2025 Third Quarter Financial Results on Tuesday, October 28, 2025

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