HOPE Q4 Deep Dive: Loan Growth, Margin Expansion, and New Market Integration Shape Outlook

Stock Story

Regional banking company Hope Bancorp beat Wall Street’s revenue expectations in Q4 CY2025, with sales up 26.1% year on year to $145.8 million. Its non-GAAP profit of $0.27 per share was 3.8% above analysts’ consensus estimates.

Hope Bancorp (HOPE) Q4 CY2025 Highlights:

Revenue: $145.8 million vs analyst estimates of $143.4 million (26.1% year-on-year growth, 1.7% beat)
Adjusted EPS: $0.27 vs analyst estimates of $0.26 (3.8% beat)
Adjusted Operating Income: $39.13 million (26.8% margin, 36.9% year-on-year growth)
Market Capitalization: $1.56 billion

StockStory’s Take

Hope Bancorp’s fourth quarter was marked by notable growth in both net interest income and customer fee revenue, which contributed to a stronger than expected financial performance. Management attributed these results to disciplined deposit cost management, a focus on growing core customer relationships, and the successful integration of its recent Hawaii acquisition. CEO Kevin Kim emphasized that progress in reducing criticized loans and expanding the bank’s deposit base helped optimize balance sheet efficiency, noting, “We were able to optimize our balance sheet and meaningfully improve our underlying core profitability metrics.”

Looking ahead, Hope Bancorp’s guidance for 2026 is driven by expectations of continued loan growth, further margin expansion, and ongoing investments in revenue-generating talent and digital banking capabilities. Management believes that repricing of both time deposits and commercial real estate loans, along with increased fee income, will support double-digit revenue growth. CFO Julianna Balicka highlighted, “The investments that the bank has been making in people and platforms to strengthen its franchise are anticipated to support our revenue growth outlook in 2026.”

Key Insights from Management’s Remarks

Management cited optimized funding costs, improved asset quality, and expansion into Hawaii as central to Q4 performance and the company’s strategic positioning.

Deposit cost management: The company reduced its reliance on brokered deposits and lowered overall funding costs, which contributed to higher net interest margins and improved profitability.
Fee income diversification: Management prioritized growth in non-interest revenue, highlighting strong customer-level swap fees and stable SBA loan sales as drivers of enhanced fee income execution.
Hawaii acquisition integration: The successful integration of Territorial Bancorp expanded the bank’s footprint into Hawaii, with management reporting stable deposits and positive customer reception during the transition period.
Loan growth momentum: Loan production increased across commercial real estate, residential mortgage, and commercial and industrial segments, partly due to recent hiring focused on revenue generation.
Strengthened asset quality: The bank saw a steady decline in criticized loans and a lower provision for credit losses, reflecting disciplined underwriting and active portfolio management throughout the year.

Drivers of Future Performance

Management expects double-digit revenue growth in 2026, propelled by loan growth, margin expansion, and continued progress in fee income diversification.

Loan repricing and growth: The company anticipates tailwinds from upward repricing of maturing commercial real estate loans and downward repricing of time deposits, alongside high single-digit loan growth, which should support further net interest margin gains.
Investment in talent and capabilities: Continued hiring for revenue-generating roles and investments in digital banking platforms are expected to drive organic growth and strengthen customer relationships, especially as the integration in Hawaii matures.
Stable asset quality and efficiency targets: Management assumes a steady credit backdrop and aims to improve operating efficiency over the medium term, targeting an efficiency ratio in the mid-50% range as revenue growth outpaces expense increases.

Catalysts in Upcoming Quarters

In upcoming quarters, the StockStory team will be monitoring (1) the pace of loan growth and the impact of recent hiring on new business origination, (2) progress in deposit mix optimization and continued reductions in funding costs, and (3) the integration and performance of the Hawaii banking franchise. Updates on asset quality trends and the effectiveness of digital banking initiatives will also be key signposts for execution of Hope Bancorp’s strategy.

Hope Bancorp currently trades at $12.16, up from $11.78 just before the earnings. Is the company at an inflection point that warrants a buy or sell? See for yourself in our full research report (it’s free).

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UnitedHealth, NextEra, Texas Instruments set to report earnings Tuesday

Investing.com

Earnings season continues as we prepare for another busy day of financial results. Below we highlight companies expected to report earnings the next trading day so you can position yourself ahead of potential market moves. Leading the action are industry giants UnitedHealth Group, NextEra Energy, Texas Instruments, Boeing, and Raytheon Technologies, whose reports could provide valuable insights into various sectors of the economy.

Earnings Before the Open:

• UnitedHealth Group (UNH) - Estimated EPS: $2.12, Estimated Revenue: $113.77B

• NextEra Energy Inc (NEE) - Estimated EPS: $0.5571, Estimated Revenue: $6.78B

• Boeing Co (BA) - Estimated EPS: -$0.4532, Estimated Revenue: $22.4B

• United Tech (RTX) - Estimated EPS: $1.47, Estimated Revenue: $22.69B

• Union Pacific (UNP) - Estimated EPS: $2.87, Estimated Revenue: $6.12B

• HCA Holdings Inc (HCA) - Estimated EPS: $7.45, Estimated Revenue: $19.67B

• Northrop Grumman (NOC) - Estimated EPS: $6.99, Estimated Revenue: $11.61B

• Sysco Corp (SYY) - Estimated EPS: $0.9768, Estimated Revenue: $20.78B

• Roper Industries (ROP) - Estimated EPS: $5.14, Estimated Revenue: $2.08B

• United Parcel (UPS) - Estimated EPS: $2.2, Estimated Revenue: $23.96B

• Paccar Inc (PCAR) - Estimated EPS: $1.07, Estimated Revenue: $6.03B

• Kimberly Clark (KMB) - Estimated EPS: $1.81, Estimated Revenue: $4.09B

• Synchrony Fin (SYF) - Estimated EPS: $2.04, Estimated Revenue: $3.84B

• Atlas Copco AB (ATLKY) - Estimated EPS: $0.1557, Estimated Revenue: $4.66B

• Atlas Copco (ATLCY) - Estimated EPS: $0.1557, Estimated Revenue: $4.66B

• Sandvik AB (SDVKY) - Estimated EPS: $0.3584, Estimated Revenue: $3.42B

• Invesco Ltd (IVZ) - Estimated EPS: $0.5722, Estimated Revenue: $1.24B

• American Airlines Group (AAL) - Estimated EPS: $0.3848, Estimated Revenue: $14.04B

• Polaris Industries (PII) - Estimated EPS: $0.0501, Estimated Revenue: $1.81B

• Applied Industrial Technologies (AIT) - Estimated EPS: $2.49, Estimated Revenue: $1.17B

• Commvault System (CVLT) - Estimated EPS: $0.9807, Estimated Revenue: $299.05M

• Popular Inc (BPOP) - Estimated EPS: $3.03, Estimated Revenue: $831.74M

• Community Bank System Inc (CBU) - Estimated EPS: $1.13, Estimated Revenue: $212.85M

• First BanCorp New Common Stock (FBP) - Estimated EPS: $0.5068, Estimated Revenue: $256.2M

• BBCN Bancorp (HOPE) - Estimated EPS: $0.2525, Estimated Revenue: $142.9M

• Jet Blue (JBLU) - Estimated EPS: -$0.4593, Estimated Revenue: $2.22B

• World Acceptance (WRLD) - Estimated EPS: $0.78, Estimated Revenue: $133.49M

• Camden National (CAC) - Estimated EPS: $1.32, Estimated Revenue: $66.17M

• Capital City Bank (CCBG) - Estimated EPS: $0.8867, Estimated Revenue: $64.65M

• Provident Financial Holdings (PROV) - Estimated EPS: $0.335, Estimated Revenue: $10.5M

• Sage Group PLC (SGPYY) - Estimated EPS not available, Estimated Revenue not available

Earnings After the Close:

• Texas Instru (TXN) - Estimated EPS: $1.29, Estimated Revenue: $4.45B

• Seagate Technology (STX) - Estimated EPS: $2.79, Estimated Revenue: $2.73B

• Packaging Corp (PKG) - Estimated EPS: $2.45, Estimated Revenue: $2.44B

• Boston Ppty (BXP) - Estimated EPS: $0.4907, Estimated Revenue: $861M

• Nextracker (NXT) - Estimated EPS: $0.70, Estimated Revenue: $745.13M

• F5 Networks Inc (FFIV) - Estimated EPS: $3.65, Estimated Revenue: $755.96M

• Ppg Industries (PPG) - Estimated EPS: $1.58, Estimated Revenue: $3.78B

• Manhattan Associa (MANH) - Estimated EPS: $1.13, Estimated Revenue: $264.68M

• Logitech International S.A.-Exch (LOGI) - Estimated EPS: $1.74, Estimated Revenue: $1.4B

• UMB Financial Corp (UMBF) - Estimated EPS: $2.7, Estimated Revenue: $677.77M

• K12 Inc (LRN) - Estimated EPS: $2.01, Estimated Revenue: $627.9M

• Qorvo Inc (QRVO) - Estimated EPS: $1.86, Estimated Revenue: $988.69M

• Greif Bros Corp (GEF) - Estimated EPS: $0.67, Estimated Revenue: $1.01B

• Greif Bros Corp B (GEFb) - Estimated EPS: $0.67, Estimated Revenue: $1.01B

• Enova International Inc (ENVA) - Estimated EPS: $3.17, Estimated Revenue: $838.59M

• Renasant Corp (RNST) - Estimated EPS: $0.78, Estimated Revenue: $275.85M

• Provident Financial Services Inc (PFS) - Estimated EPS: $0.555, Estimated Revenue: $225.35M

• WesBanco (WSBC) - Estimated EPS: $0.85, Estimated Revenue: $265.53M

• National Bak Hld (NBHC) - Estimated EPS: $0.8163, Estimated Revenue: $107.48M

• QCR Holdings (QCRH) - Estimated EPS: $1.99, Estimated Revenue: $106.87M

• First Commonwealth Financial Corp (FCF) - Estimated EPS: $0.4167, Estimated Revenue: $135.63M

• Trustmark Corp (TRMK) - Estimated EPS: $0.9109, Estimated Revenue: $206.64M

• HAFC (HAFC) - Estimated EPS: $0.7025, Estimated Revenue: $71.4M

• Orrstown Financial (ORRF) - Estimated EPS: $1.06, Estimated Revenue: $63.95M

• Flushing Financial (FFIC) - Estimated EPS: $0.35, Estimated Revenue: $62.27M

• Shore Bancshares (SHBI) - Estimated EPS: $0.4673, Estimated Revenue: $57.97M

• Bridgewater Bancshares Inc (BWB) - Estimated EPS: $0.41, Estimated Revenue: $38.08M

Be sure to check back daily for updates and insights into the earnings season and real-time results at Investing.com’s Earnings Calendar and Headlines section. Do you want to trade the earnings of the biggest companies like a pro? Then get InvestingPro now and access over 1000 metrics that will give you a significant advantage in the shark tank that is Wall Street. Click here.

This article was generated with the support of AI and reviewed by an editor. For more information see our T&C.

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Hope Bancorp (HOPE) Q4 Earnings: What To Expect

Stock Story

Hope Bancorp

-0.87%

Regional banking company Hope Bancorp will be reporting earnings this Tuesday morning. Here’s what to look for.

Hope Bancorp beat analysts’ revenue expectations by 2.4% last quarter, reporting revenues of $141.3 million, up 21.2% year on year. It was a mixed quarter for the company, with a solid beat of analysts’ revenue estimates but EPS in line with analysts’ estimates.

Is Hope Bancorp a buy or sell going into earnings? Read our full analysis here, it’s free for active Edge members.

This quarter, analysts are expecting Hope Bancorp’s revenue to grow 24% year on year to $143.4 million, a reversal from the 14.5% decrease it recorded in the same quarter last year. Adjusted earnings are expected to come in at $0.26 per share.

Analysts covering the company have generally reconfirmed their estimates over the last 30 days, suggesting they anticipate the business to stay the course heading into earnings. Hope Bancorp has missed Wall Street’s revenue estimates five times over the last two years.

Looking at Hope Bancorp’s peers in the regional banks segment, some have already reported their Q4 results, giving us a hint as to what we can expect. ServisFirst Bancshares delivered year-on-year revenue growth of 20.7%, beating analysts’ expectations by 5%, and Dime Community Bancshares reported revenues up 24.5%, topping estimates by 5.2%. ServisFirst Bancshares traded up 14.6% following the results while Dime Community Bancshares was also up 12.5%.

Read our full analysis of ServisFirst Bancshares’s results here and Dime Community Bancshares’s results here.

There has been positive sentiment among investors in the regional banks segment, with share prices up 2.6% on average over the last month. Hope Bancorp is up 5% during the same time and is heading into earnings with an average analyst price target of $12.63 (compared to the current share price of $11.74).

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Q3 Earnings Roundup: Hope Bancorp (NASDAQ:HOPE) And The Rest Of The Regional Banks Segment

Stock Story

Quarterly earnings results are a good time to check in on a company’s progress, especially compared to its peers in the same sector. Today we are looking at Hope Bancorp and the best and worst performers in the regional banks industry.

Regional banks, financial institutions operating within specific geographic areas, serve as intermediaries between local depositors and borrowers. They benefit from rising interest rates that improve net interest margins (the difference between loan yields and deposit costs), digital transformation reducing operational expenses, and local economic growth driving loan demand. However, these banks face headwinds from fintech competition, deposit outflows to higher-yielding alternatives, credit deterioration (increasing loan defaults) during economic slowdowns, and regulatory compliance costs. Recent concerns about regional bank stability following high-profile failures and significant commercial real estate exposure present additional challenges.

The 98 regional banks stocks we track reported a satisfactory Q3. As a group, revenues beat analysts’ consensus estimates by 1.3%.

Luckily, regional banks stocks have performed well with share prices up 10% on average since the latest earnings results.

Hope Bancorp

With roots in serving Korean-American communities and now expanded to a multi-ethnic clientele across 12 states, Hope Bancorp operates Bank of Hope, providing commercial and retail banking services with a focus on serving multi-ethnic communities across the United States.

Hope Bancorp reported revenues of $141.3 million, up 21.2% year on year. This print exceeded analysts’ expectations by 2.4%. Despite the top-line beat, it was still a mixed quarter for the company with an impressive beat of analysts’ revenue estimates but EPS in line with analysts’ estimates.

Interestingly, the stock is up 8.4% since reporting and currently trades at $11.58.

Best Q3: Customers Bancorp

Originally founded with a "high-tech, high-touch" branch-light banking strategy, Customers Bancorp is a bank holding company that provides commercial and consumer banking services through its Customers Bank subsidiary, with a focus on business lending and digital banking.

Customers Bancorp reported revenues of $231.8 million, up 38.3% year on year, outperforming analysts’ expectations by 6.9%. The business had a stunning quarter with an impressive beat of analysts’ net interest income estimates and a solid beat of analysts’ revenue estimates.

The market seems happy with the results as the stock is up 18.9% since reporting. It currently trades at $77.96.

Weakest Q3: The Bancorp

Operating behind the scenes of many popular fintech apps and prepaid cards you might use daily, The Bancorp is a bank holding company that specializes in providing banking services to fintech companies and offering specialty lending products.

The Bancorp reported revenues of $174.7 million, up 38.8% year on year, falling short of analysts’ expectations by 9.9%. It was a disappointing quarter as it posted a significant miss of analysts’ revenue and net interest income estimates.

The Bancorp delivered the weakest performance against analyst estimates in the group. As expected, the stock is down 9.2% since the results and currently trades at $70.13.

Read our full analysis of The Bancorp’s results here.

OFG Bancorp

Originally founded in 1964 as a federal savings and loan institution, OFG Bancorp provides banking and financial services including commercial and consumer lending, wealth management, insurance, and trust services primarily in Puerto Rico and the U.S. Virgin Islands.

OFG Bancorp reported revenues of $184 million, up 5.6% year on year. This result came in 1.6% below analysts' expectations. Overall, it was a slower quarter as it also recorded a miss of analysts’ revenue estimates and a miss of analysts’ EPS estimates.

The stock is up 1.8% since reporting and currently trades at $42.94.

Read our full, actionable report on OFG Bancorp here, it’s free for active Edge members.

Home Bancshares

Founded in Conway, Arkansas in 1998 and growing through strategic acquisitions across the Southeast, Home Bancshares operates as the bank holding company for Centennial Bank, providing commercial and retail banking services to businesses and individuals across multiple states.

Home Bancshares reported revenues of $275.5 million, up 6.3% year on year. This print surpassed analysts’ expectations by 1.6%. More broadly, it was a mixed quarter as it also logged a solid beat of analysts’ tangible book value per share estimates but a narrow beat of analysts’ EPS estimates.

The stock is up 4.5% since reporting and currently trades at $28.70.

Read our full, actionable report on Home Bancshares here, it’s free for active Edge members.

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Indonesia stocks higher at close of trade; IDX Composite Index up 0.41%

Investing.com

Idaho Strategic Resources

-9.31%

Meta Platforms

+0.18%

Investing.com – Indonesia stocks were higher after the close on Friday, as gains in the Agriculture, Basic Industry and Property sectors led shares higher.

At the close in Jakarta, the IDX Composite Index added 0.41%.

The best performers of the session on the IDX Composite Index were Citatah Tbk (JK:CTTH), which rose 34.57% or 56.00 points to trade at 218.00 at the close. Meanwhile, Abadi Lestari Indonesia Tbk Pt (JK:RLCO) added 25.00% or 110.00 points to end at 550.00 and Bumi Resources Minerals Tbk (JK:BRMS) was up 24.87% or 245.00 points to 1,230.00 in late trade.

The worst performers of the session were Ketrosden Triasmitra PT (JK:KETR), which fell 14.86% or 220.00 points to trade at 1,260.00 at the close. Harapan Duta Pertiwi PT (JK:HOPE) declined 14.53% or 25.00 points to end at 147.00 and Murni Sadar Tbk PT (JK:MTMH) was down 12.95% or 180.00 points to 1,210.00.

Falling stocks outnumbered advancing ones on the Jakarta Stock Exchange by 403 to 295 and 142 ended unchanged.

Shares in Citatah Tbk (JK:CTTH) rose to all time highs; up 34.57% or 56.00 to 218.00. Shares in Abadi Lestari Indonesia Tbk Pt (JK:RLCO) rose to all time highs; gaining 25.00% or 110.00 to 550.00. Shares in Bumi Resources Minerals Tbk (JK:BRMS) rose to all time highs; gaining 24.87% or 245.00 to 1,230.00.

Crude oil for January delivery was up 0.62% or 0.36 to $57.96 a barrel. Elsewhere in commodities trading, Brent oil for delivery in February rose 0.54% or 0.33 to hit $61.61 a barrel, while the February Gold Futures contract rose 0.34% or 14.45 to trade at $4,327.45 a troy ounce.

USD/IDR was up 0.06% to 16,646.90, while AUD/IDR rose 0.04% to 11,107.20.

The US Dollar Index Futures was unchanged 0.00% at 97.99.

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Indonesia stocks lower at close of trade; IDX Composite Index down 1.39%

Investing.com

Investing.com – Indonesia stocks were lower after the close on Thursday, as losses in the Infrastructure, Financials and Agriculture sectors led shares lower.

At the close in Jakarta, the IDX Composite Index lost 1.39%.

The best performers of the session on the IDX Composite Index were Citatah Tbk (JK:CTTH), which rose 30.83% or 37.00 points to trade at 157.00 at the close. Meanwhile, Abadi Lestari Indonesia Tbk Pt (JK:RLCO) added 25.00% or 88.00 points to end at 440.00 and Satria Mega Kencana Tbk PT (JK:SOTS) was up 25.00% or 215.00 points to 1,075.00 in late trade.

The worst performers of the session were Lotte Chemical Titan Tbk PT (JK:FPNI), which fell 14.96% or 190.00 points to trade at 1,080.00 at the close. Harapan Duta Pertiwi PT (JK:HOPE) declined 14.85% or 30.00 points to end at 172.00 and Perintis Triniti Properti PT (JK:TRIN) was down 14.71% or 200.00 points to 1,160.00.

Falling stocks outnumbered advancing ones on the Jakarta Stock Exchange by 547 to 197 and 97 ended unchanged.

Shares in Citatah Tbk (JK:CTTH) rose to all time highs; up 30.83% or 37.00 to 157.00. Shares in Abadi Lestari Indonesia Tbk Pt (JK:RLCO) rose to all time highs; rising 25.00% or 88.00 to 440.00. Shares in Satria Mega Kencana Tbk PT (JK:SOTS) rose to all time highs; gaining 25.00% or 215.00 to 1,075.00.

Crude oil for January delivery was down 0.92% or 0.54 to $57.92 a barrel. Elsewhere in commodities trading, Brent oil for delivery in February fell 0.92% or 0.57 to hit $61.64 a barrel, while the February Gold Futures contract rose 0.41% or 17.35 to trade at $4,242.05 a troy ounce.

USD/IDR was up 0.34% to 16,680.70, while AUD/IDR fell 0.48% to 11,078.88.

The US Dollar Index Futures was down 0.15% at 98.62.

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Indonesia stocks higher at close of trade; IDX Composite Index up 0.18%

Investing.com

Investing.com – Indonesia stocks were higher after the close on Wednesday, as gains in the Infrastructure, Agriculture and Basic Industry sectors led shares higher.

At the close in Jakarta, the IDX Composite Index gained 0.18%.

The best performers of the session on the IDX Composite Index were Citatah Tbk (JK:CTTH), which rose 34.83% or 31.00 points to trade at 120.00 at the close. Meanwhile, Kioson Komersial Indonesia Tbk PT (JK:KIOS) added 34.59% or 55.00 points to end at 214.00 and Teknologi Karya Digital Nusa PT Tbk (JK:TRON) was up 29.41% or 55.00 points to 242.00 in late trade.

The worst performers of the session were Minna Padi Investama Tbk (JK:PADI), which fell 14.94% or 23.00 points to trade at 131.00 at the close. Sunson Textile Manufacturer (JK:SSTM) declined 14.93% or 250.00 points to end at 1,425.00 and Harapan Duta Pertiwi PT (JK:HOPE) was down 14.41% or 34.00 points to 202.00.

Falling stocks outnumbered advancing ones on the Jakarta Stock Exchange by 481 to 248 and 114 ended unchanged.

Shares in Citatah Tbk (JK:CTTH) rose to 5-year highs; up 34.83% or 31.00 to 120.00. Shares in Kioson Komersial Indonesia Tbk PT (JK:KIOS) rose to 52-week highs; rising 34.59% or 55.00 to 214.00. Shares in Teknologi Karya Digital Nusa PT Tbk (JK:TRON) rose to 52-week highs; gaining 29.41% or 55.00 to 242.00.

Crude oil for January delivery was up 0.12% or 0.07 to $58.32 a barrel. Elsewhere in commodities trading, Brent oil for delivery in February rose 0.08% or 0.05 to hit $61.99 a barrel, while the February Gold Futures contract fell 0.10% or 4.30 to trade at $4,231.90 a troy ounce.

USD/IDR was up 0.26% to 16,690.50, while AUD/IDR rose 0.35% to 11,100.54.

The US Dollar Index Futures was down 0.52% at 98.68.

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