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Upturn AI SWOT - About
HOPE 
Hope Bancorp Inc (HOPE)
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Upturn Advisory Summary
06/27/2025: HOPE (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
4 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $12.25
1 Year Target Price $12.25
| 1 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 13.8% | Avg. Invested days 41 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 06/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.38B USD | Price to earnings Ratio 13.85 | 1Y Target Price 12.25 |
Price to earnings Ratio 13.85 | 1Y Target Price 12.25 | ||
Volume (30-day avg) 4 | Beta 0.87 | 52 Weeks Range 8.70 - 14.02 | Updated Date 06/30/2025 |
52 Weeks Range 8.70 - 14.02 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 5.19% | Basic EPS (TTM) 0.78 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 21.14% | Operating Margin (TTM) 29.95% |
Management Effectiveness
Return on Assets (TTM) 0.54% | Return on Equity (TTM) 4.44% |
Valuation
Trailing PE 13.85 | Forward PE 9.71 | Enterprise Value 900847680 | Price to Sales(TTM) 3.08 |
Enterprise Value 900847680 | Price to Sales(TTM) 3.08 | ||
Enterprise Value to Revenue 3.5 | Enterprise Value to EBITDA - | Shares Outstanding 128056000 | Shares Floating 122232090 |
Shares Outstanding 128056000 | Shares Floating 122232090 | ||
Percent Insiders 4.71 | Percent Institutions 87.29 |
Analyst Ratings
Rating 2 | Target Price 12.25 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Hope Bancorp Inc
Company Overview
History and Background
Hope Bancorp, Inc. was formed in 1974 as Korean American Bank and became Hope Bancorp in 2016. It has grown organically and through acquisitions, focusing on the Korean-American community and expanding to serve a diverse range of customers.
Core Business Areas
- Commercial Banking: Offers a range of loan and deposit products, including commercial real estate loans, commercial and industrial loans, SBA loans, and various deposit accounts.
- Retail Banking: Provides banking services to individuals and small businesses, including personal loans, mortgage loans, and checking and savings accounts.
- SBA Lending: Specializes in originating and servicing Small Business Administration (SBA) loans.
Leadership and Structure
Kevin S. Kim serves as the Chairman, President and CEO. The company operates with a traditional corporate structure, with various departments responsible for lending, operations, finance, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial properties. Market share data is difficult to ascertain precisely but it is a substantial portion of their lending portfolio. Competitors include other regional and national banks like Bank of America and Wells Fargo Commercial Mortgages.
- SBA Loans: Offers loans guaranteed by the Small Business Administration. Market share in the SBA loan space fluctuates, but Hope is a consistent player. Competitors include Live Oak Bank and Celtic Bank. Revenue data is not directly available for individual product lines.
- Commercial & Industrial Loans: Provides short to mid term financing for businesses. Market share data is difficult to ascertain precisely, but Hope is a consistent player in the markets it serves. Competitors include other regional and national banks like Bank of America and Wells Fargo Commercial Lending.
Market Dynamics
Industry Overview
The banking industry is competitive and highly regulated, facing pressures from interest rate fluctuations, regulatory changes, and technological advancements. Regional and community banks face competition from larger national banks and fintech companies.
Positioning
Hope Bancorp is a regional bank with a strong presence in the Korean-American community. Its competitive advantages include its cultural understanding of its target market and its expertise in SBA lending.
Total Addressable Market (TAM)
The TAM for commercial banking services in the areas Hope Bancorp serves is estimated to be in the billions of dollars annually. Hope Bancorp is positioned to capture a portion of this market through its niche focus and strong community ties.
Upturn SWOT Analysis
Strengths
- Strong presence in the Korean-American community
- Expertise in SBA lending
- Experienced management team
- Solid asset quality
Weaknesses
- Geographic concentration
- Limited product diversification
- Reliance on specific demographics
- Smaller size compared to larger national banks
Opportunities
- Expansion into new markets
- Increased adoption of digital banking services
- Growing demand for SBA loans
- Strategic acquisitions
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- CBB
- PACW
- BOKF
Competitive Landscape
Hope Bancorp competes with other regional banks, national banks, and credit unions. Its competitive advantages include its focus on the Korean-American community and its expertise in SBA lending. It's disadvantaged by it's geographic location and relative small size to larger banks.
Major Acquisitions
Pacific City Bank
- Year: 2023
- Acquisition Price (USD millions): 642
- Strategic Rationale: Expanded Hope Bancorp's presence in Southern California and strengthened its position in the Korean-American community.
Growth Trajectory and Initiatives
Historical Growth: Hope Bancorp has experienced steady growth in assets, loans, and deposits over the past several years, driven by organic growth and acquisitions.
Future Projections: Analysts expect continued growth for Hope Bancorp, driven by its strong market position and expansion efforts.
Recent Initiatives: Recent initiatives include investments in technology to improve customer experience and expansion into new markets.
Summary
Hope Bancorp is a stable regional bank with a niche in the Korean-American community and SBA lending. It's experiencing steady growth but faces competition from larger banks and economic uncertainties. Expansion and technological investments present opportunities for future success, but monitoring and mitigating external risks are crucial.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, financial news sources, market research reports, analyst estimates.
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data are estimates and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Hope Bancorp Inc
Exchange NASDAQ | Headquaters Los Angeles, CA, United States | ||
IPO Launch date 1996-12-27 | Chairman, President & CEO Mr. Kevin Sung Kim J.D. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1227 | Website https://www.bankofhope.com |
Full time employees 1227 | Website https://www.bankofhope.com | ||
Hope Bancorp, Inc. operates as the bank holding company for Bank of Hope that provides retail and commercial banking services for businesses and individuals in the United States. It accepts personal and business checking, money market, savings, time deposit, and individual retirement accounts. The company offers loans comprising commercial and industrial loans to businesses for various purposes, such as working capital, purchasing inventory, debt refinancing, business acquisitions, international trade finance, other business-related financing, and loans syndication services; commercial real estate loans; residential mortgage loans; small business administration loans; and consumer loans, such as single-family mortgage, home equity, automobile, credit card, and personal loans. In addition, it provides internet banking and bill-pay, remote deposit capture, lock box, and ACH origination services; treasury management services; foreign currency exchange transactions; interest rate contracts and wealth management services; automated teller machine services; and engages in investment activities. Hope Bancorp, Inc. was founded in 1986 and is headquartered in Los Angeles, California.
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