HOPE Stock Analysis: Hope Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 1.698m USD | 12M Return: 27.7% | US43940T1097 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 11.8M
EPS Trend: -65.8%
Qual. Beats: 1
Rev. Trend: -72.4%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 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. (NASDAQ: HOPE) is the bank holding company for Bank of Hope, a Los Angeles-headquartered institution founded in 1986 that provides retail and commercial banking services to businesses and individuals across the United States. Its core operations span deposit gathering-personal and business checking, money market, savings, time deposits, and IRAs-paired with a diversified lending portfolio covering commercial and industrial loans (including working capital, trade finance, and syndicated/leveraged loans), commercial real estate, residential mortgages, SBA loans, and consumer credit products such as home equity, auto, credit card, and personal loans.
Complementing these traditional banking activities, the company provides treasury management, foreign currency exchange, interest rate hedging, wealth management, internet banking, remote deposit capture, lockbox, ACH origination, and investment services. Classified within the Financials sector under the Regional Banks sub-industry, Hope Bancorp operates with a community-bank business model focused on relationship lending, with Bank of Hope historically serving as one of the largest Korean-American banking institutions in the U.S.
- Net interest margin compresses as Fed cuts rates
- Korean-American community concentration drives deposit and loan growth
- Commercial real estate loan exposure raises credit risk concerns
| Net Income: 127.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.22 > 1.0 |
| NWC/Revenue: 21.85% < 20% (prev -1.63k%; Δ 1.65k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 202.7m > Net Income 127.9m |
| Net Debt (-727k) to EBITDA (166.2m): -0.00 < 3 |
| Current Ratio: 1.47 > 1.5 & < 3 |
| Outstanding Shares: last quarter (128.3m) vs 12m ago 2.76% < -2% |
| Gross Margin: 53.91% > 18% (prev 43.91%; Δ 10.00% > 0.5%) |
| Asset Turnover: 5.41% > 50% (prev 5.05%; Δ 0.36% > 0%) |
| Interest Coverage Ratio: 0.37 > 6 (EBIT TTM 163.3m / Interest Expense TTM 444.2m) |
| A: 0.01 (Total Current Assets 694.0m - Total Current Liabilities 472.0m) / Total Assets 19.0b |
| B: 0.06 (Retained Earnings 1.20b / Total Assets 19.0b) |
| C: 0.01 (EBIT TTM 163.3m / Avg Total Assets 18.8b) |
| D: 0.14 (Book Value of Equity 2.30b / Total Liabilities 16.7b) |
| Altman-Z'' = 0.49 = B |
| DSRI: 0.92 (Receivables 53.6m/53.6m, Revenue 1.02b/937.5m) |
| GMI: 0.81 (GM 43.91% / 53.91%) |
| AQI: 1.01 (AQ_t 0.96 / AQ_t-1 0.95) |
| SGI: 1.08 (Revenue 1.02b / 937.5m) |
| TATA: -0.00 (NI 127.9m - CFO 202.7m) / TA 19.0b) |
| Beneish M = -3.19 (Cap -4..+1) = AA |
As of October 06, 2026, the stock is trading at USD 13.57 with a total of 1,048,201 shares traded. Over the past week, the price has changed by -0.51%, over one month by -2.93%, over three months by +1.29% and over the past year by +27.74%.
Current recommended Stop Loss: 13.20 (which is 2.7% or 1.3 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 | 15.5 | 14.2% |
P/E Trailing = 13.1584
P/E Forward = 9.7087
P/S = 3.179
P/B = 0.7573
P/EG = 1.2377
Revenue TTM = 1.02b USD
EBIT TTM = 163.3m USD
EBITDA TTM = 166.2m USD
Long Term Debt = 583.7m USD (from longTermDebt, last quarter)
Short Term Debt = 472.0m USD (from shortTermDebt, last quarter)
Debt = 639.7m USD (from shortLongTermDebtTotal, last quarter) + Leases 56.0m
Net Debt = -727k USD (calculated: Debt 639.7m - CCE 640.4m)
Enterprise Value = 1.70b USD (1.70b + Debt 639.7m - CCE 640.4m)
Interest Coverage Ratio = 0.37 (Ebit TTM 163.3m / Interest Expense TTM 444.2m)
EV/FCF = 9.23x (Enterprise Value 1.70b / FCF TTM 183.9m)
FCF Yield = 10.84% (FCF TTM 183.9m / Enterprise Value 1.70b)
FCF Margin = 18.10% (FCF TTM 183.9m / Revenue TTM 1.02b)
Net Margin = 12.58% (Net Income TTM 127.9m / Revenue TTM 1.02b)
Gross Margin = 53.91% ((Revenue TTM 1.02b - Cost of Revenue TTM 468.4m) / Revenue TTM)
Gross Margin QoQ = 54.57% (prev 53.48%)
Tobins Q-Ratio = 0.09 (Enterprise Value 1.70b / Total Assets 19.0b)
Interest Expense / Debt = 69.44% (Interest Expense 444.2m / Debt 639.7m)
Taxrate = 18.07% (28.2m / 156.1m)
NOPAT = 133.8m (EBIT 163.3m * (1 - 18.07%))
Current Ratio = 1.47 (Total Current Assets 694.0m / Total Current Liabilities 472.0m)
Debt / Equity = 0.28 (Debt 639.7m / totalStockholderEquity, last quarter 2.30b)
Debt / EBITDA = -0.00 (Net Debt -727k / EBITDA 166.2m)
Debt / FCF = -0.00 (Net Debt -727k / FCF TTM 183.9m)
Total Stockholder Equity = 2.28b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.68% (Net Income 127.9m / Total Assets 19.0b)
RoE = 5.61% (Net Income TTM 127.9m / Total Stockholder Equity 2.28b)
RoCE = 5.70% (EBIT 163.3m / Capital Employed (Equity 2.28b + L.T.Debt 583.7m))
RoIC = 0.71% (NOPAT 133.8m / Invested Capital 18.9b)
WACC = 6.17% (E(1.70b)/V(2.34b) * Re(8.50%) + (debt cost/tax rate unavailable))
Discount Rate = 8.50% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 91.12 | Cagr: 2.63%
[DCF] Terminal Value 77.97% ; FCFF base≈165.7m ; Y1≈190.0m ; Y5≈279.6m
[DCF] Fair Price = 32.94 (EV 4.21b - Net Debt -727k = Equity 4.21b / Shares 127.7m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: -65.75 | EPS CAGR: -11.24% | SUE: 0.97 | # QB: 1
Revenue Correlation: -72.38 | Revenue CAGR: -4.50% | SUE: 0.52 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.29 | Chg30d=-1.69% | Revisions=+0% | Analysts=5
EPS current Year (2026-12-31): EPS=1.13 | Chg30d=-0.57% | Revisions=+0% | GrowthEPS=+26.5% | GrowthRev=+24.5%
EPS next Year (2027-12-31): EPS=1.56 | Chg30d=-0.98% | Revisions=+0% | GrowthEPS=+38.7% | GrowthRev=+22.1%
[Analyst] Revisions Ratio: +0% (up=4, down=4)