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HOPE BANCORP INC (HOPE) Stock Fundamental Analysis

NASDAQ:HOPE - Nasdaq - US43940T1097 - Common Stock - Currency: USD

10.37  -0.04 (-0.38%)

After market: 10.37 0 (0%)

Fundamental Rating

4

Overall HOPE gets a fundamental rating of 4 out of 10. We evaluated HOPE against 393 industry peers in the Banks industry. HOPE may be in some trouble as it scores bad on both profitability and health. HOPE has a decent growth rate and is not valued too expensively. HOPE also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year HOPE was profitable.
In the past year HOPE had a positive cash flow from operations.
HOPE had positive earnings in each of the past 5 years.
HOPE had a positive operating cash flow in each of the past 5 years.
HOPE Yearly Net Income VS EBIT VS OCF VS FCFHOPE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

1.2 Ratios

Looking at the Return On Assets, with a value of 0.56%, HOPE is doing worse than 72.01% of the companies in the same industry.
HOPE has a Return On Equity of 4.39%. This is in the lower half of the industry: HOPE underperforms 79.64% of its industry peers.
Industry RankSector Rank
ROA 0.56%
ROE 4.39%
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
HOPE Yearly ROA, ROE, ROICHOPE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

HOPE's Profit Margin of 20.27% is on the low side compared to the rest of the industry. HOPE is outperformed by 61.83% of its industry peers.
HOPE's Profit Margin has declined in the last couple of years.
HOPE does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 20.27%
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
HOPE Yearly Profit, Operating, Gross MarginsHOPE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

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.
The number of shares outstanding for HOPE has been reduced compared to 5 years ago.
Compared to 1 year ago, HOPE has a worse debt to assets ratio.
HOPE Yearly Shares OutstandingHOPE Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
HOPE Yearly Total Debt VS Total AssetsHOPE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.2 Solvency

HOPE has a debt to FCF ratio of 1.06. This is a very positive value and a sign of high solvency as it would only need 1.06 years to pay back of all of its debts.
HOPE's Debt to FCF ratio of 1.06 is fine compared to the rest of the industry. HOPE outperforms 72.77% 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.
HOPE's Debt to Equity ratio of 0.05 is amongst the best of the industry. HOPE outperforms 80.41% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 1.06
Altman-Z N/A
ROIC/WACCN/A
WACC23.79%
HOPE Yearly LT Debt VS Equity VS FCFHOPE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
HOPE Yearly Current Assets VS Current LiabilitesHOPE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

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4

3. Growth

3.1 Past

HOPE shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -15.96%.
The Earnings Per Share has been decreasing by -8.76% on average over the past years.
HOPE shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -16.89%.
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)-16.89%
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 very strong growth in Earnings Per Share. The EPS will grow by 24.49% on average per year.
Based on estimates for the next years, HOPE will show a quite strong growth in Revenue. The Revenue will grow by 12.41% on average per year.
EPS Next Y13.86%
EPS Next 2Y24.49%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.4%
Revenue Next 2Y12.41%
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.
HOPE Yearly Revenue VS EstimatesHOPE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M
HOPE Yearly EPS VS EstimatesHOPE Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

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6

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 13.13, the valuation of HOPE can be described as correct.
HOPE's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 28.05. HOPE is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 7.78, the valuation of HOPE can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of HOPE indicates a rather cheap valuation: HOPE is cheaper than 83.97% of the companies listed in the same industry.
HOPE is valuated cheaply when we compare the Price/Forward Earnings ratio to 37.67, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 13.13
Fwd PE 7.78
HOPE Price Earnings VS Forward Price EarningsHOPE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of HOPE is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 12.84
EV/EBITDA N/A
HOPE Per share dataHOPE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

HOPE's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as HOPE's earnings are expected to grow with 24.49% in the coming years.
PEG (NY)0.95
PEG (5Y)N/A
EPS Next 2Y24.49%
EPS Next 3YN/A

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7

5. Dividend

5.1 Amount

HOPE has a Yearly Dividend Yield of 5.38%, which is a nice return.
HOPE's Dividend Yield is rather good when compared to the industry average which is at 3.40. HOPE pays more dividend than 87.79% of the companies in the same industry.
HOPE's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
Industry RankSector Rank
Dividend Yield 5.38%

5.2 History

HOPE has paid a dividend for at least 10 years, which is a reliable track record.
HOPE has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)0%
Div Incr Years0
Div Non Decr Years12
HOPE Yearly Dividends per shareHOPE Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

71.26% of the earnings are spent on dividend by HOPE. This is not a sustainable payout ratio.
DP71.26%
EPS Next 2Y24.49%
EPS Next 3YN/A
HOPE Yearly Income VS Free CF VS DividendHOPE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
HOPE Dividend Payout.HOPE Dividend Payout, showing the Payout Ratio.HOPE Dividend Payout.PayoutRetained Earnings

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HOPE BANCORP INC

NASDAQ:HOPE (7/28/2025, 4:04:10 PM)

After market: 10.37 0 (0%)

10.37

-0.04 (-0.38%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-22 2025-07-22/bmo
Earnings (Next)10-27 2025-10-27/bmo
Inst Owners87.08%
Inst Owner Change-0.2%
Ins Owners4.6%
Ins Owner Change8.48%
Market Cap1.33B
Analysts76
Price Target12.5 (20.54%)
Short Float %2.74%
Short Ratio4.06
Dividend
Industry RankSector Rank
Dividend Yield 5.38%
Yearly Dividend0.56
Dividend Growth(5Y)0%
DP71.26%
Div Incr Years0
Div Non Decr Years12
Ex-Date08-01 2025-08-01 (0.14)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)6.74%
Min EPS beat(2)-0.65%
Max EPS beat(2)14.13%
EPS beat(4)1
Avg EPS beat(4)1.78%
Min EPS beat(4)-4.68%
Max EPS beat(4)14.13%
EPS beat(8)3
Avg EPS beat(8)0.34%
EPS beat(12)4
Avg EPS beat(12)-1.35%
EPS beat(16)8
Avg EPS beat(16)1.59%
Revenue beat(2)0
Avg Revenue beat(2)-2.14%
Min Revenue beat(2)-3.62%
Max Revenue beat(2)-0.65%
Revenue beat(4)0
Avg Revenue beat(4)-3.83%
Min Revenue beat(4)-5.59%
Max Revenue beat(4)-0.65%
Revenue beat(8)1
Avg Revenue beat(8)-4.55%
Revenue beat(12)3
Avg Revenue beat(12)-4.01%
Revenue beat(16)4
Avg Revenue beat(16)-3.14%
PT rev (1m)2.08%
PT rev (3m)-0.41%
EPS NQ rev (1m)2.47%
EPS NQ rev (3m)-10.75%
EPS NY rev (1m)5.49%
EPS NY rev (3m)4.63%
Revenue NQ rev (1m)0.72%
Revenue NQ rev (3m)0.45%
Revenue NY rev (1m)1.6%
Revenue NY rev (3m)1.92%
Valuation
Industry RankSector Rank
PE 13.13
Fwd PE 7.78
P/S 2.84
P/FCF 12.84
P/OCF 11.67
P/B 0.61
P/tB 0.78
EV/EBITDA N/A
EPS(TTM)0.79
EY7.62%
EPS(NY)1.33
Fwd EY12.85%
FCF(TTM)0.81
FCFY7.79%
OCF(TTM)0.89
OCFY8.57%
SpS3.66
BVpS16.87
TBVpS13.23
PEG (NY)0.95
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.56%
ROE 4.39%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 20.27%
GM N/A
FCFM 22.09%
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
ROICexcg growth 3YN/A
ROICexcg 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 Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 1.06
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 2.21%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 109.01%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC23.79%
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 Y13.86%
EPS Next 2Y24.49%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-16.89%
Revenue growth 3Y-5.14%
Revenue growth 5Y-1.66%
Sales Q2Q%-19.12%
Revenue Next Year12.4%
Revenue Next 2Y12.41%
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-71.89%
FCF growth 3Y-30.39%
FCF growth 5Y-9.62%
OCF growth 1Y-69.89%
OCF growth 3Y-28.86%
OCF growth 5Y-8.69%