This page shows Hope Bancorp (HOPE) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores
Hope Bancorp's revenue declined 1.3% year-over-year, from $954.0M to $941.2M. This contraction results in a growth score of 31/100.
Hope Bancorp has elevated debt relative to equity (D/E of 7.12), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Hope Bancorp converts 16.1% of revenue into free cash flow ($151.5M). This strong cash generation earns a score of 65/100.
Hope Bancorp generates a 2.7% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 17/100. This is down from 4.7% the prior year.
Hope Bancorp passes 3 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.
For every $1 of reported earnings, Hope Bancorp generates $2.67 in operating cash flow ($164.5M OCF vs $61.6M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Hope Bancorp generated $941.2M in revenue in fiscal year 2025. This represents a decrease of 1.3% from the prior year.
Hope Bancorp reported $61.6M in net income in fiscal year 2025. This represents a decrease of 38.2% from the prior year.
Hope Bancorp earned $0.49 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 40.2% from the prior year.
Cash & Balance Sheet
Hope Bancorp generated $151.5M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 41.7% from the prior year.
Hope Bancorp held $560.1M in cash against $0 in long-term debt as of fiscal year 2025.
Hope Bancorp paid $0.56 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.
Hope Bancorp had 128M shares outstanding in fiscal year 2025. This represents an increase of 6.2% from the prior year.
Margins & Returns
Hope Bancorp's net profit margin was 6.5% in fiscal year 2025, showing the share of revenue converted to profit. This is down 3.9 percentage points from the prior year.
Hope Bancorp's ROE was 2.7% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 2.0 percentage points from the prior year.
Capital Allocation
Hope Bancorp invested $13.1M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 33.4% from the prior year.
HOPE Income Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $240.2M-1.8% | $244.7M+2.3% | $239.1M+10.1% | $217.2M-4.2% | $226.6M-3.6% | $235.1M+1.1% | $232.6M-10.4% | $259.7M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $112.8M-4.5% | $118.1M-2.9% | $121.6M+4.5% | $116.3M-6.5% | $124.5M-4.4% | $130.3M+2.8% | $126.7M-12.4% | $144.6M |
| Income Tax | $4.7M-16.7% | $5.6M+525.2% | -$1.3M-119.5% | $6.7M+10.8% | $6.1M-23.3% | $7.9M-14.4% | $9.3M-7.5% | $10.0M |
| Net Income | $34.5M+12.0% | $30.8M+224.3% | -$24.8M-217.3% | $21.1M-13.3% | $24.3M+0.7% | $24.2M-4.4% | $25.3M-2.3% | $25.9M |
| EPS (Diluted) | $0.27+12.5% | $0.24+226.3% | $-0.19-211.8% | $0.17-15.0% | $0.200.0% | $0.20-4.8% | $0.210.0% | $0.21 |
HOPE Balance Sheet
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $18.5B+0.1% | $18.5B-0.2% | $18.5B+8.7% | $17.1B+0.1% | $17.1B-1.7% | $17.4B-0.1% | $17.4B-3.9% | $18.1B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $560.1M+23.1% | $454.9M-34.0% | $689.7M-6.0% | $733.5M+60.1% | $458.2M-32.7% | $680.9M+4.1% | $654.0M-44.8% | $1.2B |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $480.9M+0.5% | $478.3M0.0% | $478.1M+2.9% | $464.4M0.0% | $464.4M0.0% | $464.4M0.0% | $464.4M0.0% | $464.4M |
| Total Liabilities | $16.2B0.0% | $16.3B-0.4% | $16.3B+9.5% | $14.9B-0.1% | $14.9B-1.7% | $15.2B-0.5% | $15.3B-4.5% | $16.0B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $2.3B+1.2% | $2.3B+1.4% | $2.2B+3.0% | $2.2B+1.2% | $2.1B-1.6% | $2.2B+2.8% | $2.1B0.0% | $2.1B |
| Retained Earnings | $1.2B+1.7% | $1.2B+1.1% | $1.1B-3.9% | $1.2B+0.4% | $1.2B+0.6% | $1.2B+0.5% | $1.2B+0.7% | $1.2B |
HOPE Cash Flow Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $76.8M+48.4% | $51.7M+451.4% | $9.4M-64.8% | $26.7M-46.3% | $49.6M-21.3% | $63.0M+346.5% | -$25.6M-186.3% | $29.6M |
| Capital Expenditures | $3.4M-25.9% | $4.6M+83.3% | $2.5M-6.4% | $2.7M+17.3% | $2.3M-21.8% | $2.9M+14.5% | $2.5M+19.8% | $2.1M |
| Free Cash Flow | $73.4M+55.6% | $47.2M+584.4% | $6.9M-71.3% | $24.0M-49.3% | $47.4M-21.2% | $60.1M+314.0% | -$28.1M-202.2% | $27.5M |
| Investing Cash Flow | $14.6M+110.0% | -$145.3M-135.4% | $410.2M+66.9% | $245.8M+3110.1% | $7.7M-76.6% | $32.7M-81.7% | $179.0M-27.5% | $247.1M |
| Financing Cash Flow | $13.8M+109.8% | -$141.3M+69.5% | -$463.3M-16554.0% | $2.8M+101.0% | -$280.0M-306.2% | -$68.9M+89.9% | -$684.7M+32.9% | -$1.0B |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
HOPE Financial Ratios
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 14.3%+1.8pp | 12.6%+22.9pp | -10.3%-20.1pp | 9.7%-1.0pp | 10.7%+0.5pp | 10.3%-0.6pp | 10.9%+0.9pp | 10.0% |
| Return on Equity | 1.5%+0.2pp | 1.4%+2.5pp | -1.1%-2.1pp | 1.0%-0.2pp | 1.1%+0.0pp | 1.1%-0.1pp | 1.2%-0.0pp | 1.2% |
| Return on Assets | 0.2%+0.0pp | 0.2%+0.3pp | -0.1%-0.2pp | 0.1%-0.0pp | 0.1%0.0pp | 0.1%-0.0pp | 0.1%+0.0pp | 0.1% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 7.12-0.1 | 7.20-0.1 | 7.34+0.4 | 6.90-0.1 | 6.990.0 | 7.00-0.2 | 7.23-0.3 | 7.56 |
| FCF Margin | 30.6%+11.3pp | 19.3%+16.4pp | 2.9%-8.2pp | 11.1%-9.8pp | 20.9%-4.7pp | 25.6%+37.7pp | -12.1%-22.7pp | 10.6% |
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Frequently Asked Questions
What is Hope Bancorp's annual revenue?
Hope Bancorp (HOPE) reported $941.2M in total revenue for fiscal year 2025. This represents a -1.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Hope Bancorp's revenue growing?
Hope Bancorp (HOPE) revenue declined by 1.3% year-over-year, from $954.0M to $941.2M in fiscal year 2025.
Is Hope Bancorp profitable?
Yes, Hope Bancorp (HOPE) reported a net income of $61.6M in fiscal year 2025, with a net profit margin of 6.5%.
What is Hope Bancorp's net profit margin?
Hope Bancorp (HOPE) had a net profit margin of 6.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Hope Bancorp pay dividends?
Yes, Hope Bancorp (HOPE) paid $0.56 per share in dividends during fiscal year 2025.
What is Hope Bancorp's return on equity (ROE)?
Hope Bancorp (HOPE) has a return on equity of 2.7% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Hope Bancorp's free cash flow?
Hope Bancorp (HOPE) generated $151.5M in free cash flow during fiscal year 2025. This represents a 41.7% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Hope Bancorp's operating cash flow?
Hope Bancorp (HOPE) generated $164.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Hope Bancorp's total assets?
Hope Bancorp (HOPE) had $18.5B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Hope Bancorp's capital expenditures?
Hope Bancorp (HOPE) invested $13.1M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Hope Bancorp's debt-to-equity ratio?
Hope Bancorp (HOPE) had a debt-to-equity ratio of 7.12 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Hope Bancorp's return on assets (ROA)?
Hope Bancorp (HOPE) had a return on assets of 0.3% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Hope Bancorp's Piotroski F-Score?
Hope Bancorp (HOPE) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Hope Bancorp's earnings high quality?
Hope Bancorp (HOPE) has an earnings quality ratio of 2.67x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Hope Bancorp?
Hope Bancorp (HOPE) scores 28 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.