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HOPE 
Hope Bancorp Inc (HOPE)
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Upturn Advisory Summary
11/04/2025: HOPE (1-star) is currently NOT-A-BUY. Pass it for now.
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
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $12.38
1 Year Target Price $12.38
| 1 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -1.24% | Avg. Invested days 43 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/04/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.35B USD | Price to earnings Ratio 27.08 | 1Y Target Price 12.38 |
Price to earnings Ratio 27.08 | 1Y Target Price 12.38 | ||
Volume (30-day avg) 4 | Beta 0.88 | 52 Weeks Range 8.58 - 13.83 | Updated Date 11/4/2025 |
52 Weeks Range 8.58 - 13.83 | Updated Date 11/4/2025 | ||
Dividends yield (FY) 1.33% | Basic EPS (TTM) 0.39 |
Earnings Date
Report Date 2025-10-27 | When Before Market | Estimate 0.26 | Actual 0.25 |
Profitability
Profit Margin 11.21% | Operating Margin (TTM) 31.02% |
Management Effectiveness
Return on Assets (TTM) 0.27% | Return on Equity (TTM) 2.19% |
Valuation
Trailing PE 27.08 | Forward PE 9.71 | Enterprise Value 1034215488 | Price to Sales(TTM) 3.14 |
Enterprise Value 1034215488 | Price to Sales(TTM) 3.14 | ||
Enterprise Value to Revenue 3.52 | Enterprise Value to EBITDA - | Shares Outstanding 128185271 | Shares Floating 122333613 |
Shares Outstanding 128185271 | Shares Floating 122333613 | ||
Percent Insiders 4.69 | Percent Institutions 91.36 |
Upturn AI SWOT
Hope Bancorp Inc
Company Overview
History and Background
Hope Bancorp, Inc. was founded in 1974 as Korea Center Bank. It evolved into a leading Korean-American bank offering a full range of financial services. Significant milestones include expansion through acquisitions and organic growth, positioning it as one of the largest Korean-American banks in the US.
Core Business Areas
- Commercial Banking: Provides commercial loans, real estate loans, and lines of credit to businesses, particularly those in the Korean-American community.
- Retail Banking: Offers deposit accounts, personal loans, and other retail banking services to individuals.
- SBA Lending: Specializes in providing Small Business Administration (SBA) loans.
Leadership and Structure
Hope Bancorp Inc.'s leadership includes a Board of Directors and an executive management team. The organizational structure is typical of a publicly traded bank, with departments focused on lending, operations, finance, and risk management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. This is a major revenue generator. Competitors include regional and national banks with commercial lending divisions like Bank of America and Wells Fargo. Market share is difficult to pinpoint exactly, but Hope Bancorp has a significant share within the Korean-American business community.
- SBA Loans: Government-backed loans for small businesses. Hope Bancorp is a significant SBA lender. Competition includes other SBA lenders like Live Oak Bank and Celtic Bank. Market share fluctuates depending on loan volume.
- Deposits: A range of deposit accounts to attract commercial and retail customers. Competitors include all banks and credit unions. Market share depends on interest rates and incentives.
Market Dynamics
Industry Overview
The banking industry is currently navigating interest rate volatility, increased regulatory scrutiny, and competition from fintech companies. Regional banks are facing increasing consolidation pressures.
Positioning
Hope Bancorp Inc. is a regional bank focused on serving the Korean-American community and small to medium-sized businesses. Its competitive advantages include strong relationships within this niche and expertise in SBA lending.
Total Addressable Market (TAM)
The total addressable market for regional banking services is substantial, estimated in the trillions of dollars. Hope Bancorp targets a segment of this market: the Korean-American community and small businesses within its geographic footprint. This niche strategy lets it maintain a competitive advantage.
Upturn SWOT Analysis
Strengths
- Strong presence in the Korean-American market
- Expertise in SBA lending
- Solid asset quality
- Experienced management team
Weaknesses
- Geographic concentration
- Reliance on a specific demographic
- Limited product diversification
- Sensitivity to interest rate changes
Opportunities
- Expansion into new markets with Korean-American populations
- Increased demand for SBA loans
- Growth in digital banking services
- Strategic acquisitions of other regional banks
Threats
- Increased competition from larger banks
- Economic downturns impacting borrowers
- Regulatory changes affecting lending practices
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- BANC
- CASH
- OZK
Competitive Landscape
Hope Bancorp's advantages lie in its niche focus and community relationships. Disadvantages include smaller scale compared to larger regional and national banks.
Major Acquisitions
Pacific City Bank
- Year: 2020
- Acquisition Price (USD millions): 513.6
- Strategic Rationale: Expanded Hope Bancorp's presence in key markets and increased its deposit base.
Growth Trajectory and Initiatives
Historical Growth: Historically, Hope Bancorp has grown through organic expansion and acquisitions. Growth rates have been tied to economic conditions and the demand for SBA loans.
Future Projections: Analyst estimates depend on various factors, including interest rates and loan demand, but consensus estimates project moderate growth.
Recent Initiatives: Recent initiatives include expanding digital banking services and strengthening relationships with key customers.
Summary
Hope Bancorp demonstrates relative strength within its niche market, driven by its expertise in SBA lending and focus on the Korean-American community. Its concentration poses a risk, but digital advancements and strategic expansions offer opportunities. Economic conditions and increasing competition could challenge future growth. Strong community ties and targeted services continue to be key differentiators.
Similar Stocks
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Reports
- Analyst Reports
- Market Data Providers
- FDIC
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance are subject to change.
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 1244 | Website https://www.bankofhope.com |
Full time employees 1244 | 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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