Hope Bancorp

HOPE · Nasdaq · Financials · Financials, fiscal 2016 to 2025

HOPE · Last close · November 6, 2026

$13.18

Hope Bancorp's revenue rose 5.0% to $499 million in fiscal 2025. Net income was $62 million, down 38.2%. Its return on equity was 2.8%, down from 4.7% a year earlier. Its efficiency ratio was 78.1%, up from 68.4% a year earlier. It paid out $71 million in dividends and buybacks. The diluted share count rose 4.7%.

HOPE BANCORP, INC. Latest fiscal year ended December 31, 2025 10-K filed February 25, 2026 · 0001128361-26-000011 Updated November 7, 2026

Revenue

$499M

5.0%

Net income

$62M

38.2%

Return on equity

2.8%

1.9 pts

Return on tangible equity

3.6%

2.4 pts

Efficiency ratio

78.1%

9.8 pts

Market cap

$1.7B

Nov 6 close

P/E

12.7x

On $1.04 EPS, 4 qtrs

Return on equity is net income as a share of shareholders' equity; return on tangible equity leaves out goodwill and other intangible assets. The efficiency ratio is operating costs as a share of revenue, so lower means the bank spends less to earn each dollar. Market cap is the last closing share price times the latest diluted share count, so it is approximate. P/E is the last close divided by diluted earnings per share over the last four quarters, or the latest fiscal year where the quarters aren't available; there is none when the company made a loss.

Charts show fiscal years, from the 10-K filings.

What Hope Bancorp does

Hope Bancorp is a bank holding company in Los Angeles. Its only bank, Bank of Hope, started as a Korean-American focused bank. It now calls itself one of the largest independent commercial banks headquartered in California and serves customers of many backgrounds across the United States.

The bank earns money mainly from interest on loans and investment securities, which it funds with customer deposits and other borrowings. It also earns fees and gains on selling financial assets. Its products include commercial and commercial real estate loans, Small Business Administration loans, home mortgages and other consumer loans, treasury management, foreign currency and trade financing. Its online banking is offered in English and Korean.

Branches and loan offices are in California, New York, Texas, Hawaii, Washington, Illinois, New Jersey, Georgia, Florida, Alabama, Colorado and Oregon, plus a representative office in Seoul, South Korea. On April 2, 2025, it acquired Territorial Bancorp, based in Honolulu, Hawaii.

Its biggest risks, as it describes them

Worse credit quality in its commercial and commercial real estate loans, which would force higher loan loss provisions.
A downturn in real estate, since many of its loans are secured by real estate.
Local economic slowdowns in the markets where it operates.
Fraud and cybersecurity incidents.
Interest rate swings that change what it earns on loans and pays on deposits.

From Hope Bancorp's annual report on Form 10-K, filed February 25, 2026, in our words; the 10-K has the full description and every risk factor. Updated with each new annual report.

Income statement

Revenue and net income

US$ billions, fiscal years; net losses in red. Revenue on the left axis, net income on the right; zero is the same line on both. Revenue is net of interest expense.

Revenue (left axis)Net income (right axis)

Efficiency ratio and net interest income

Percent of revenue. The efficiency ratio is noninterest expense over revenue.

Efficiency ratioNet interest income share

From fiscal 2016 to 2025, earnings per share fell 8.6% a year and net income 6.6% a year, as new shares raised the share count by 23% and diluted each share's earnings.

Diluted earnings per share

US$ per share, fiscal years, restated for any stock splits; loss years in red.

Return on equity

Percent. Net income over average equity; tangible equity excludes goodwill, intangibles and preferred stock.

Return on equityReturn on tangible common equity

Balance sheet

Loans and deposits

US$ billions, at each fiscal year end

Loans, netDeposits

Total assets and shareholders' equity

US$ billions, at each fiscal year end. Assets on the left axis, equity on the right.

Total assets (left axis)Equity (right axis)

Five years at a glance

Fiscal year end	FY21	FY22	FY23	FY24	FY25
Loans, net	13,812	15,241	13,695	13,468	14,544
Deposits	15,040	15,739	14,754	14,328	15,603
Loans to deposits	91.8%	96.8%	92.8%	94.0%	93.2%
Provision for credit losses	−12	10	32	17	32
Provision to average loans	−0.1%	0.1%	0.2%	0.1%	0.2%
Total assets	17,889	19,164	19,132	17,054	18,532
Shareholders' equity	2,093	2,019	2,121	2,134	2,283

US$ millions unless stated, at each fiscal year end.

Cash flow

Stock-based compensation and buybacks

US$ billions, fiscal years. Shares paid to employees (stock-based compensation, a cost that uses no cash) against cash spent buying shares back. Buybacks that only match it leave the share count roughly where it was.

Stock-based compensationShare buybacks

Dividends and buybacks

US$ billions, cash paid in each fiscal year

DividendsShare buybacks

Diluted share count

Weighted-average diluted shares, millions

Projections

Project Hope Bancorp's revenue, net income and earnings per share five years ahead in a bull, a base and a bear case with your own figures, and see the share prices your P/E estimates give them. Every projected figure is yours: it is not a forecast of ours.

Open Hope Bancorp's projections

Insider trades

Over the 12 months between November 7, 2025 and November 6, 2026, no insider bought Hope Bancorp shares on the open market, and 4 insiders sold $1.6 million.

Buys and sells by month

US$ millions, open-market purchases (up) and sales (down) by officers, directors and 10% owners in each month.

BoughtSold

Date	Insider	Trade	Shares	Price	Value	Filing
Sep 1, 2026	Thomas StengerSevp, Chief Risk Officer	Sold	1,650	$13.80	$22,770	Form 4
Aug 3, 2026	Daisy Y HaDirector	Sold	26,995	$14.25	$384,679	Form 4
Jun 8, 2026	Thomas StengerSevp, Chief Risk Officer	Sold	1,500	$12.68	$19,020	Form 4
May 6, 2026	Daisy Y HaDirector	Sold	12,000	$12.53	$150,360	Form 4
Feb 6, 2026	Daisy Y HaDirector	Sold	31,020	$12.48	$387,130	Form 4
Feb 5, 2026	Daisy Y HaDirector	Sold	25,533	$12.57	$320,954	Form 4
Dec 12, 2025	Jason K KimSevp, Chief Bus. Bnking Ofcr	Sold	1,000	$11.41	$11,410	Form 4
Dec 11, 2025	David P MaloneDirector	Sold	20,820	$11.50	$239,430	Form 4
Dec 11, 2025	Jason K KimSevp, Chief Bus. Bnking Ofcr	Sold	1,000	$11.60	$11,600	Form 4
Dec 10, 2025	Jason K KimSevp, Chief Bus. Bnking Ofcr	Sold	1,000	$11.54	$11,540	Form 4
Dec 8, 2025	Thomas StengerSevp, Chief Risk Officer	Sold	1,867	$11.00	$20,537	Form 4
Nov 19, 2025	Thomas StengerSevp, Chief Risk Officer	Sold	2,100	$10.00	$21,000	Form 4

Open-market purchases and sales by officers, directors and 10% owners, from their Form 4 filings with the SEC: one row per person, day and filing, at the day's average price. Grants, option exercises and shares withheld for tax aren't counted. Insiders buy and sell for many reasons, such as taxes, spreading their savings or a plan set up months earlier, so a trade on its own says little about where a company is heading. For information only, not investment advice. Insider trades at all companies

Compare

Put Hope Bancorp side by side with any other company we cover: revenue, growth, margins, cash flow and returns, with ten years of charts.

Similar companies

Company	Year	Revenue growth	Net margin	Return on equity	Return on tangible equity	Efficiency ratio	Compare
Hope Bancorp	FY25	5.0%	12.3%	2.8%	3.6%	78.1%
CVB Financial	FY25	2.7%	40.6%	9.3%	14.1%	46.0%	Compare
First Commonwealth Financial	FY25	9.4%	29.1%	10.3%	14.0%	56.4%	Compare
Dime Community Bancshares	FY25	44.2%	24.4%	7.7%	8.7%	55.9%	Compare
Beacon Financial	FY25	38.2%	16.3%	4.9%	6.2%	70.5%	Compare

Each company's latest fiscal year. Fiscal years end in different months, so the periods don't line up exactly.

10 years of figures

Fiscal year	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Income statement
Revenue	415	548	548	516	521	556	630	571	475	499
Revenue growth	31.1%	31.9%	0.1%	−5.8%	0.9%	6.8%	13.2%	−9.3%	−16.9%	5.0%
Net interest income	363	481	488	467	468	513	578	526	428	472
Noninterest income	52	66	60	50	53	44	51	46	47	26
Noninterest expense	215	267	278	283	284	293	324	362	325	390
Provision for credit losses	9	17	15	7	95	−12	10	32	17	32
Net income	114	139	190	171	112	205	218	134	100	62
Diluted EPS (US$)	1.10	1.03	1.44	1.35	0.90	1.66	1.81	1.11	0.82	0.49
Diluted shares (millions)	104	136	132	127	124	123	120	120	121	127
Payouts
Dividends paid	42	68	72	71	69	69	67	67	68	71
Share buybacks	0	0	150	13	37	50	15	0	0	0
Balance sheet at fiscal year end
Loans, net	—	—	—	—	13,356	13,812	15,241	13,695	13,468	14,544
Deposits	10,642	10,847	12,156	12,527	14,334	15,040	15,739	14,754	14,328	15,603
Total assets	13,441	14,207	15,306	15,667	17,107	17,889	19,164	19,132	17,054	18,532
Shareholders' equity	1,856	1,928	1,903	2,036	2,054	2,093	2,019	2,121	2,134	2,283
Ratios
Return on equity	8.1%	7.4%	9.9%	8.7%	5.5%	9.9%	10.6%	6.5%	4.7%	2.8%
Return on tangible common equity	10.3%	9.9%	13.2%	11.5%	7.1%	12.8%	13.8%	8.3%	6.0%	3.6%
Return on assets	1.1%	1.0%	1.3%	1.1%	0.7%	1.2%	1.2%	0.7%	0.6%	0.3%
Efficiency ratio	51.8%	48.7%	50.7%	54.7%	54.5%	52.7%	51.4%	63.3%	68.4%	78.1%

US$ millions unless stated. Where a later 10-K restated a year, the latest filed figure is shown. Download all figures (CSV, US$ millions)

Source: Hope Bancorp's Form 10-K filings, from SEC EDGAR. For information only, not investment advice. The Filing Desk is not affiliated with Hope Bancorp.