Hope Bancorp, Inc. (HOPE) AI Stock Analysis

Established in 2000 and headquartered in Los Angeles, California, Hope Bancorp, Inc. serves as the holding company for Bank of Hope. The bank caters to small and medium-sized businesses and individuals nationwide. Its core offerings include deposit accounts such as personal and business checking, money market, savings, time deposit, and individual retirement accounts. On the lending side, it provides commercial loans, real estate loans, Small Business Administration (SBA) loans, and consumer loans such as mortgages, home equity, auto, credit cards, and personal loans. It also delivers cash management solutions, foreign exchange services, wealth management, and mobile banking across 47 full-service branches.

Hope Bancorp generated annual revenue of $552.0M in FY2021, which expanded to $623.9M in FY2022 and $1.09B in FY2023 before contracting to $1.00B in FY2024 and $967.8M in FY2025. Net income dropped from $204.6M in FY2021 and $218.3M in FY2022 to $58.5M in FY2025, with net margins falling from 37.1% to 6.0% over that span. However, the 5-year revenue CAGR from FY2020 to FY2025 remained at 13.5%. For the latest quarter ended June 30, 2026, quarterly revenue grew 71.0% year-over-year, while quarterly earnings grew 35.3%. Operating margin over the trailing twelve months was 34.2%.

As of June 30, 2026, Hope Bancorp reported $640.4M in cash and short-term investments alongside total debt of $583.7M, yielding net cash of $56.8M. Total assets reached $18.99B against shareholders' equity of $2.30B, reflecting a debt-to-equity ratio of 0.25 and a current ratio of 1.47. In FY2025, operating cash flow stood at $164.5M and free cash flow was $151.5M. The bank deployed cash toward capital expenditures of $13.1M and paid $70.7M in dividends in FY2025.

HOPE trades at a trailing price-to-earnings multiple of 13.0x, slightly above the 12.1x median of its US-listed Financial Services peers. Its forward P/E of 9.7x sits below the peer median of 10.8x, while its price-to-sales of 3.2x matches the peer median of 3.2x. The stock trades at a price-to-book ratio of 0.8x. Over the past year, HOPE returned 39.6%, outperforming the S&P 500 (SPY) return of 16.8%. Over a 5-year period, HOPE returned 16.9% compared to 83.0% for the S&P 500.

Hope Bancorp pays a forward annual dividend of $0.56 per share, corresponding to a dividend yield of 4.17%. The dividend is distributed quarterly, and the company has paid dividends for 15 consecutive years. Its payout ratio is 54.9%, and the 5-year annualized dividend growth rate is 0.0%. The most recent ex-dividend date was August 6, 2026.

Wall Street coverage consists of 2 Strong Buy ratings and 3 Hold ratings, with no Buy, Sell, or Strong Sell ratings. The mean price target is $15.50, representing an upside of 15.4% from the last close of $13.43. Consensus estimates project FY2026 EPS of $1.13 on revenue of $621.3M, and FY2027 EPS of $1.57 on revenue of $759.4M across 5 analysts. The company beat EPS estimates in 3 of the last 4 quarters, and its next earnings date is October 27, 2026.

This page is an AI-written research summary of Hope Bancorp, Inc. (HOPE). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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