HOPE Stock Analysis: Hope Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 1.736m USD | 12M Return: 23.4% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 14.6M
EPS Trend: -84.9%
Qual. Beats: 0
Rev. Trend: -60.5%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Hope Bancorp, Inc. is a bank holding company that operates Bank of Hope, a regional bank headquartered in Los Angeles, California that provides retail and commercial banking services to businesses and individuals across the United States. Founded in 1986, the company accepts a full range of deposit products-including checking, money market, savings, time deposit, and IRA accounts-and generates revenue primarily through interest income from a diversified loan portfolio spanning commercial and industrial loans, commercial real estate, residential mortgages, SBA loans, and consumer lending products such as home equity, automobile, credit card, and personal loans.
Beyond traditional lending and deposit services, Hope Bancorp offers treasury management, foreign currency exchange, interest rate contracts, wealth management, and digital banking solutions including online banking, bill-pay, remote deposit capture, and ATM services. The holding company structure is a standard regulatory framework for U.S. commercial banks, allowing the parent entity to own and oversee the banking subsidiary while separating certain non-banking activities from insured depository operations.
- Net interest margin compresses as Fed cuts rates
- Commercial real estate loan portfolio faces LA office market stress
- C&I and SBA loan growth expands core Korean-American niche franchise
| Net Income: 67.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.12 > 1.0 |
| NWC/Revenue: -314.4% < 20% (prev -1.43k%; Δ 1.11k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 151.7m > Net Income 67.0m |
| Net Debt (-141.2m) to EBITDA (93.7m): -1.51 < 3 |
| Current Ratio: 0.17 > 1.5 & < 3 |
| Outstanding Shares: last quarter (128.7m) vs 12m ago 6.00% < -2% |
| Gross Margin: 49.98% > 18% (prev 46.39%; Δ 3.59% > 0.5%) |
| Asset Turnover: 5.50% > 50% (prev 5.65%; Δ -0.16% > 0%) |
| Interest Coverage Ratio: 0.20 > 6 (EBIT TTM 90.8m / Interest Expense TTM 458.7m) |
| A: -0.17 (Total Current Assets 648.5m - Total Current Liabilities 3.73b) / Total Assets 18.7b |
| B: 0.06 (Retained Earnings 1.18b / Total Assets 18.7b) |
| C: 0.01 (EBIT TTM 90.8m / Avg Total Assets 17.9b) |
| D: 0.14 (Book Value of Equity 2.28b / Total Liabilities 16.4b) |
| Altman-Z'' = -0.70 = B |
| DSRI: 1.06 (Receivables 53.7m/50.0m, Revenue 981.6m/964.9m) |
| GMI: 0.93 (GM 46.39% / 49.98%) |
| AQI: 1.01 (AQ_t 0.96 / AQ_t-1 0.95) |
| SGI: 1.02 (Revenue 981.6m / 964.9m) |
| TATA: -0.00 (NI 67.0m - CFO 151.7m) / TA 18.7b) |
| Beneish M = -3.02 (Cap -4..+1) = AA |
As of July 08, 2026, the stock is trading at USD 13.35 with a total of 800,463 shares traded. Over the past week, the price has changed by -1.62%, over one month by +5.37%, over three months by +13.64% and over the past year by +23.43%.
Current recommended Stop Loss: 13.00 (which is 2.6% or 1.2 ATR below the current price).
Hope Bancorp has received a consensus analysts rating of 3.50. Therefore, it is recommended to hold HOPE.
- StrongBuy: 1
- Buy: 0
- Hold: 3
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 14.4 | 7.7% |
P/E Trailing = 24.6909
P/E Forward = 8.1566
P/S = 3.6433
P/B = 0.76
P/EG = 1.2377
Revenue TTM = 981.6m USD
EBIT TTM = 90.8m USD
EBITDA TTM = 93.7m USD
Long Term Debt = 396.3m USD (from longTermDebt, last quarter)
Short Term Debt = 285.0m USD (from shortTermDebt, last quarter)
Debt = 453.6m USD (from shortLongTermDebtTotal, last quarter) + Leases 57.3m
Net Debt = -141.2m USD (calculated: Debt 453.6m - CCE 594.8m)
Enterprise Value = 1.59b USD (1.74b + Debt 453.6m - CCE 594.8m)
Interest Coverage Ratio = 0.20 (Ebit TTM 90.8m / Interest Expense TTM 458.7m)
EV/FCF = 11.83x (Enterprise Value 1.59b / FCF TTM 134.8m)
FCF Yield = 8.45% (FCF TTM 134.8m / Enterprise Value 1.59b)
FCF Margin = 13.74% (FCF TTM 134.8m / Revenue TTM 981.6m)
Net Margin = 6.82% (Net Income TTM 67.0m / Revenue TTM 981.6m)
Gross Margin = 49.98% ((Revenue TTM 981.6m - Cost of Revenue TTM 491.0m) / Revenue TTM)
Gross Margin QoQ = 53.48% (prev 56.37%)
Tobins Q-Ratio = 0.09 (Enterprise Value 1.59b / Total Assets 18.7b)
Interest Expense / Debt = 101.1% (Interest Expense 458.7m / Debt 453.6m)
Taxrate = 19.90% (16.6m / 83.6m)
NOPAT = 72.7m (EBIT 90.8m * (1 - 19.90%))
Current Ratio = 0.17 (Total Current Assets 648.5m / Total Current Liabilities 3.73b)
Debt / Equity = 0.20 (Debt 453.6m / totalStockholderEquity, last quarter 2.28b)
Debt / EBITDA = -1.51 (Net Debt -141.2m / EBITDA 93.7m)
Debt / FCF = -1.05 (Net Debt -141.2m / FCF TTM 134.8m)
Total Stockholder Equity = 2.26b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.37% (Net Income 67.0m / Total Assets 18.7b)
RoE = 2.96% (Net Income TTM 67.0m / Total Stockholder Equity 2.26b)
RoCE = 3.42% (EBIT 90.8m / Capital Employed (Equity 2.26b + L.T.Debt 396.3m))
RoIC = 0.39% (NOPAT 72.7m / Invested Capital 18.6b)
WACC = 6.98% (E(1.74b)/V(2.19b) * Re(8.81%) + (debt cost/tax rate unavailable))
Discount Rate = 8.81% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 91.11 | Cagr: 2.88%
[DCF] Terminal Value 77.97% ; FCFF base≈122.3m ; Y1≈140.1m ; Y5≈206.3m
[DCF] Fair Price = 25.38 (EV 3.10b - Net Debt -141.2m = Equity 3.25b / Shares 127.8m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: -84.91 | EPS CAGR: -17.90% | SUE: 0.78 | # QB: 0
Revenue Correlation: -60.51 | Revenue CAGR: -3.87% | SUE: 0.60 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.26 | Chg30d=+0.00% | Revisions=-40% | Analysts=4
EPS next Quarter (2026-09-30): EPS=0.31 | Chg30d=+14.81% | Revisions=-50% | Analysts=4
EPS current Year (2026-12-31): EPS=1.15 | Chg30d=+3.61% | Revisions=+25% | GrowthEPS=+28.9% | GrowthRev=+26.9%
EPS next Year (2027-12-31): EPS=1.60 | Chg30d=-0.16% | Revisions=-25% | GrowthEPS=+39.4% | GrowthRev=+22.6%
[Analyst] Revisions Ratio: -50% (up=1, down=6)