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Hope Bancorp Inc (HOPE)



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Upturn Advisory Summary
08/29/2025: HOPE (2-star) has a low Upturn Star Rating. Not recommended to BUY.
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 9.15% | Avg. Invested days 38 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.43B USD | Price to earnings Ratio 31.8 | 1Y Target Price 12.25 |
Price to earnings Ratio 31.8 | 1Y Target Price 12.25 | ||
Volume (30-day avg) 4 | Beta 0.92 | 52 Weeks Range 8.58 - 13.83 | Updated Date 08/30/2025 |
52 Weeks Range 8.58 - 13.83 | Updated Date 08/30/2025 | ||
Dividends yield (FY) 5.00% | Basic EPS (TTM) 0.35 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 10.11% | Operating Margin (TTM) -13.13% |
Management Effectiveness
Return on Assets (TTM) 0.23% | Return on Equity (TTM) 1.92% |
Valuation
Trailing PE 31.8 | Forward PE 9.71 | Enterprise Value 938690688 | Price to Sales(TTM) 3.48 |
Enterprise Value 938690688 | Price to Sales(TTM) 3.48 | ||
Enterprise Value to Revenue 3.66 | Enterprise Value to EBITDA - | Shares Outstanding 128180000 | Shares Floating 122320662 |
Shares Outstanding 128180000 | Shares Floating 122320662 | ||
Percent Insiders 4.69 | Percent Institutions 91.78 |
Upturn AI SWOT
Hope Bancorp Inc

Company Overview
History and Background
Hope Bancorp, Inc., formerly known as BBCN Bancorp, Inc., was formed in 2011 through the merger of Center Financial Corporation and Nara Bancorp, Inc. This made it the largest Korean-American bank in the U.S. It has since grown through organic expansion and strategic acquisitions, focusing on serving the Korean-American community and other ethnic groups.
Core Business Areas
- Commercial Banking: Provides a variety of lending and deposit products to businesses, including commercial real estate loans, SBA loans, and commercial lines of credit.
- Retail Banking: Offers banking services to individuals, including checking accounts, savings accounts, mortgage loans, and personal loans.
- SBA Lending: Specializes in Small Business Administration (SBA) loans to support small businesses.
Leadership and Structure
Hope Bancorp Inc. is led by a board of directors and an executive management team. The CEO oversees the overall strategy and operations of the company, with various executives responsible for different business segments such as commercial banking, retail banking, and finance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Competitors: East West Bancorp, Hanmi Financial Corporation. Market share data unavailable.
- SBA Loans: Government-backed loans for small businesses. Competitors: East West Bancorp, Hanmi Financial Corporation. Market share data unavailable.
- Commercial and Industrial Loans: Loans to businesses for working capital, equipment, and other purposes. Competitors: East West Bancorp, Hanmi Financial Corporation. Market share data unavailable.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes and economic conditions. It is currently experiencing heightened competition for deposits and increased regulatory scrutiny.
Positioning
Hope Bancorp Inc. is a leading Korean-American bank in the U.S., focusing on serving the Korean-American community and other ethnic groups. Their strength is the strong ties to the Korean community. Competitors include East West Bancorp and Hanmi Financial Corporation
Total Addressable Market (TAM)
The TAM is the overall banking market in the U.S., estimated to be worth trillions of dollars. Hope Bancorp Inc. is positioned as a niche player, focusing on a specific segment of the market, which represents a smaller but still significant portion of the TAM. TAM value is difficult to estimate precisely due to the large scope and complexity.
Upturn SWOT Analysis
Strengths
- Strong brand recognition within the Korean-American community
- Extensive branch network in key markets
- Experienced management team
- Strong SBA lending expertise
Weaknesses
- Geographic concentration in California, New York, and Illinois
- Dependence on a specific ethnic group
- Limited product diversification compared to larger banks
- Higher cost of funds than larger banks
Opportunities
- Expansion into new markets with significant Korean-American populations
- Cross-selling opportunities to existing customers
- Increased demand for SBA loans
- Technological advancements to improve efficiency and customer experience
Threats
- Increased competition from larger banks and online lenders
- Economic downturns impacting loan quality
- Changes in government regulations
- Fluctuations in interest rates
Competitors and Market Share
Key Competitors
- EWBC
- HAFC
Competitive Landscape
Hope Bancorp Inc. competes with larger banks and smaller regional players. Its competitive advantage lies in its strong relationships with the Korean-American community. East West Bancorp is bigger but more diversified.
Growth Trajectory and Initiatives
Historical Growth: Hope Bancorp Inc. has grown both organically and through acquisitions. The company has shown growth in its loan portfolio and deposit base over the past years.
Future Projections: Future growth projections depend on economic conditions, competition, and the company's strategic initiatives. Analyst estimates vary. Look at current financial reports for current projections
Recent Initiatives: Recent initiatives include expanding their digital banking offerings and focusing on SBA lending. The company is also looking into expanding into new markets.
Summary
Hope Bancorp Inc. is a solid regional bank with a strong foothold in the Korean-American community. Its strengths lie in its SBA lending expertise and strong brand recognition within its niche market. It needs to diversify its geographic base and product offerings to reduce its reliance on a single demographic. Competition from larger banks and online lenders, as well as changes in interest rates, pose ongoing threats.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Financial news sources
- Industry reports
Disclaimers:
The information provided is for informational purposes only and should not be construed as investment advice. Market share data is approximate and based on publicly available information. Financial data may be outdated, refer to the most recent financial statements for current values.
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 1238 | Website https://www.bankofhope.com |
Full time employees 1238 | 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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