HOPE BANCORP INC (HOPE) Stock Fundamental Analysis
USA - NASDAQ:HOPE - US43940T1097 - Common Stock
10.73 USD
+0.2 (+1.9%)
10.73 USD
0 (0%)
Overall HOPE gets a fundamental rating of 3 out of 10. We evaluated HOPE against 391 industry peers in the Banks industry. Both the profitability and financial health of HOPE have multiple concerns. HOPE is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
HOPE had positive earnings in the past year.
HOPE had a positive operating cash flow in the past year.
HOPE had positive earnings in each of the past 5 years.
In the past 5 years HOPE always reported a positive cash flow from operatings.
1.2 Ratios
HOPE has a worse Return On Assets (0.22%) than 86.44% of its industry peers.
The Return On Equity of HOPE (1.88%) is worse than 86.44% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.22% | ||
| ROE | 1.88% | ||
| ROIC | N/A |
ROA(3y)0.81%
ROA(5y)0.84%
ROE(3y)7.26%
ROE(5y)7.4%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a Profit Margin value of 9.36%, HOPE is not doing good in the industry: 84.65% of the companies in the same industry are doing better.
HOPE's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for HOPE so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 9.36% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-17.06%
PM growth 5Y-8.73%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
HOPE does not have a ROIC to compare to the WACC, probably because it is not profitable.
HOPE has more shares outstanding than it did 1 year ago.
HOPE has less shares outstanding than it did 5 years ago.
HOPE has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of HOPE is 0.80, which is an excellent value as it means it would take HOPE, only 0.80 years of fcf income to pay off all of its debts.
HOPE's Debt to FCF ratio of 0.80 is fine compared to the rest of the industry. HOPE outperforms 76.21% of its industry peers.
HOPE has a Debt/Equity ratio of 0.05. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.05, HOPE belongs to the top of the industry, outperforming 80.82% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | 0.8 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC23.26%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for HOPE have decreased strongly by -15.96% in the last year.
Measured over the past years, HOPE shows a decrease in Earnings Per Share. The EPS has been decreasing by -8.76% on average per year.
HOPE shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -14.16%.
Measured over the past years, HOPE shows a decrease in Revenue. The Revenue has been decreasing by -1.66% on average per year.
EPS 1Y (TTM)-15.96%
EPS 3Y-19.52%
EPS 5Y-8.76%
EPS Q2Q%-13.64%
Revenue 1Y (TTM)-14.16%
Revenue growth 3Y-5.14%
Revenue growth 5Y-1.66%
Sales Q2Q%-19.12%
3.2 Future
Based on estimates for the next years, HOPE will show a quite strong growth in Earnings Per Share. The EPS will grow by 19.75% on average per year.
The Revenue is expected to grow by 11.35% on average over the next years. This is quite good.
EPS Next Y6.45%
EPS Next 2Y19.75%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.95%
Revenue Next 2Y11.35%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
HOPE is valuated correctly with a Price/Earnings ratio of 13.58.
HOPE's Price/Earnings ratio is a bit more expensive when compared to the industry. HOPE is more expensive than 60.36% of the companies in the same industry.
HOPE is valuated rather cheaply when we compare the Price/Earnings ratio to 26.91, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 8.70, the valuation of HOPE can be described as reasonable.
Based on the Price/Forward Earnings ratio, HOPE is valued a bit cheaper than 71.61% of the companies in the same industry.
HOPE's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.58 | ||
| Fwd PE | 8.7 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, HOPE is valued a bit cheaper than the industry average as 68.03% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.94 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
A more expensive valuation may be justified as HOPE's earnings are expected to grow with 19.75% in the coming years.
PEG (NY)2.11
PEG (5Y)N/A
EPS Next 2Y19.75%
EPS Next 3YN/A
5. Dividend
5.1 Amount
HOPE has a Yearly Dividend Yield of 5.56%, which is a nice return.
Compared to an average industry Dividend Yield of 3.53, HOPE pays a better dividend. On top of this HOPE pays more dividend than 88.49% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.34, HOPE pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.56% |
5.2 History
HOPE has been paying a dividend for at least 10 years, so it has a reliable track record.
HOPE has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)0%
Div Incr Years0
Div Non Decr Years12
5.3 Sustainability
HOPE pays out 164.57% of its income as dividend. This is not a sustainable payout ratio.
DP164.57%
EPS Next 2Y19.75%
EPS Next 3YN/A
10.73
+0.2 (+1.9%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners91.91%
Inst Owner Change-0.05%
Ins Owners2.04%
Ins Owner Change1.41%
Market Cap1.38B
Revenue(TTM)445.75M
Net Income(TTM)41.71M
Analysts76
Price Target12.5 (16.5%)
Short Float %2.23%
Short Ratio3.14
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.56% |
Yearly Dividend0.56
Dividend Growth(5Y)0%
DP164.57%
Div Incr Years0
Div Non Decr Years12
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-5.44%
Min EPS beat(2)-10.23%
Max EPS beat(2)-0.65%
EPS beat(4)1
Avg EPS beat(4)-0.36%
Min EPS beat(4)-10.23%
Max EPS beat(4)14.13%
EPS beat(8)2
Avg EPS beat(8)-1.47%
EPS beat(12)3
Avg EPS beat(12)-2.48%
EPS beat(16)7
Avg EPS beat(16)0.31%
Revenue beat(2)0
Avg Revenue beat(2)-15.7%
Min Revenue beat(2)-30.75%
Max Revenue beat(2)-0.65%
Revenue beat(4)0
Avg Revenue beat(4)-10.15%
Min Revenue beat(4)-30.75%
Max Revenue beat(4)-0.65%
Revenue beat(8)1
Avg Revenue beat(8)-6.96%
Revenue beat(12)2
Avg Revenue beat(12)-6.64%
Revenue beat(16)4
Avg Revenue beat(16)-4.95%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.1%
EPS NY rev (1m)-1.64%
EPS NY rev (3m)-6.51%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.56%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.29%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.58 | ||
| Fwd PE | 8.7 | ||
| P/S | 3.09 | ||
| P/FCF | 9.94 | ||
| P/OCF | 9.25 | ||
| P/B | 0.62 | ||
| P/tB | 0.81 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.79
EY7.36%
EPS(NY)1.23
Fwd EY11.49%
FCF(TTM)1.08
FCFY10.06%
OCF(TTM)1.16
OCFY10.81%
SpS3.48
BVpS17.35
TBVpS13.25
PEG (NY)2.11
PEG (5Y)N/A
Graham Number17.56
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.22% | ||
| ROE | 1.88% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 9.36% | ||
| GM | N/A | ||
| FCFM | 31.05% |
ROA(3y)0.81%
ROA(5y)0.84%
ROE(3y)7.26%
ROE(5y)7.4%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-17.06%
PM growth 5Y-8.73%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | 0.8 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 2.31% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 331.83% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC23.26%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)1.94%
Cap/Sales(5y)1.61%
Profit Quality(3y)223.38%
Profit Quality(5y)193.88%
High Growth Momentum
Growth
EPS 1Y (TTM)-15.96%
EPS 3Y-19.52%
EPS 5Y-8.76%
EPS Q2Q%-13.64%
EPS Next Y6.45%
EPS Next 2Y19.75%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-14.16%
Revenue growth 3Y-5.14%
Revenue growth 5Y-1.66%
Sales Q2Q%-19.12%
Revenue Next Year10.95%
Revenue Next 2Y11.35%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-66.16%
FCF growth 3Y-30.39%
FCF growth 5Y-9.62%
OCF growth 1Y-64.7%
OCF growth 3Y-28.86%
OCF growth 5Y-8.69%
HOPE BANCORP INC / HOPE FAQ
What is the fundamental rating for HOPE stock?
ChartMill assigns a fundamental rating of 3 / 10 to HOPE.
Can you provide the valuation status for HOPE BANCORP INC?
ChartMill assigns a valuation rating of 4 / 10 to HOPE BANCORP INC (HOPE). This can be considered as Fairly Valued.
How profitable is HOPE BANCORP INC (HOPE) stock?
HOPE BANCORP INC (HOPE) has a profitability rating of 2 / 10.
What are the PE and PB ratios of HOPE BANCORP INC (HOPE) stock?
The Price/Earnings (PE) ratio for HOPE BANCORP INC (HOPE) is 13.58 and the Price/Book (PB) ratio is 0.62.
Can you provide the expected EPS growth for HOPE stock?
The Earnings per Share (EPS) of HOPE BANCORP INC (HOPE) is expected to grow by 6.45% in the next year.