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Upturn AI SWOT - About
HOPE 
Hope Bancorp Inc (HOPE)
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Upturn Advisory Summary
04/01/2025: HOPE (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit -3.06% | Avg. Invested days 37 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.25B USD | Price to earnings Ratio 12.66 | 1Y Target Price 13.3 |
Price to earnings Ratio 12.66 | 1Y Target Price 13.3 | ||
Volume (30-day avg) 904067 | Beta 1.14 | 52 Weeks Range 9.35 - 14.22 | Updated Date 04/2/2025 |
52 Weeks Range 9.35 - 14.22 | Updated Date 04/2/2025 | ||
Dividends yield (FY) 5.39% | Basic EPS (TTM) 0.82 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 21.77% | Operating Margin (TTM) 37.29% |
Management Effectiveness
Return on Assets (TTM) 0.55% | Return on Equity (TTM) 4.68% |
Valuation
Trailing PE 12.66 | Forward PE 9.71 | Enterprise Value 1193250688 | Price to Sales(TTM) 2.74 |
Enterprise Value 1193250688 | Price to Sales(TTM) 2.74 | ||
Enterprise Value to Revenue 3.47 | Enterprise Value to EBITDA - | Shares Outstanding 120768000 | Shares Floating 115007169 |
Shares Outstanding 120768000 | Shares Floating 115007169 | ||
Percent Insiders 4.96 | Percent Institutions 92.61 |
Analyst Ratings
Rating 3.4 | Target Price 14.3 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold 4 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Hope Bancorp Inc
Company Overview
History and Background
Hope Bancorp, Inc. (formerly BBCN Bancorp, Inc.) was founded in 2002 with the merger of Nara Bank and Center Bank. The company has grown through organic expansion and strategic acquisitions, becoming a leading Korean-American bank in the United States. It focuses on serving the diverse needs of its communities with a range of banking services.
Core Business Areas
- Commercial Banking: Offers a comprehensive suite of commercial lending products, including term loans, lines of credit, and commercial real estate financing.
- Retail Banking: Provides deposit accounts, personal loans, and other retail banking services to individuals and small businesses.
- Small Business Administration (SBA) Lending: Specializes in providing SBA loans to small businesses, supporting their growth and expansion.
Leadership and Structure
Kevin S. Kim serves as the Chairman, President, and CEO. The organizational structure includes various departments such as lending, operations, finance, and compliance, all reporting to the executive management team and the Board of Directors.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial real estate properties. Market share data specific to Hope Bancorp isn't readily available, but it operates in a highly competitive market with numerous regional and national banks. Competitors include Bank of America, Wells Fargo, East West Bancorp, and PacWest Bancorp. Revenue data is not easily accessible to the public.
- SBA Loans: Government-guaranteed loans for small businesses. Specific market share data is not readily available. Competitors include Live Oak Bank and other SBA lenders. Revenue data is not easily accessible to the public.
- Commercial & Industrial (C&I) Loans: Loans to businesses for working capital, equipment, and other operational needs. Specific market share data is not readily available. Competitors include regional and national banks. Revenue data is not easily accessible to the public.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulatory scrutiny, low interest rate environment, and increased competition from fintech companies. Regional banks face unique challenges in maintaining profitability and navigating regulatory compliance.
Positioning
Hope Bancorp is positioned as a leading Korean-American bank, focusing on serving the needs of its niche market. Its competitive advantages include strong relationships with its customer base, deep understanding of the Korean-American community, and specialized lending expertise.
Total Addressable Market (TAM)
The total addressable market for commercial banking in the United States is estimated to be in the trillions of dollars. Hope Bancorp targets a segment of this market, focusing on the Korean-American community and small to medium-sized businesses. Their positioning allows them to effectively capture a portion of this TAM.
Upturn SWOT Analysis
Strengths
- Strong presence in Korean-American communities
- Experienced management team
- Strong SBA lending expertise
- Solid deposit base
- Well-established brand recognition within its target market
Weaknesses
- Geographic concentration in California, New York, and other limited areas
- Reliance on specific ethnic market
- Higher cost of deposits compared to larger banks
- Limited product diversification
- Vulnerability to economic downturns in specific geographic regions
Opportunities
- Expansion into new markets with significant Korean-American populations
- Increased digital banking adoption
- Strategic acquisitions of smaller banks or branches
- Development of new financial products and services tailored to its customer base
- Leveraging technology to improve efficiency and customer service
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Regulatory changes
- Economic downturns
- Credit risk associated with lending activities
Competitors and Market Share
Key Competitors
- EWBC
- CASH
- TCBI
- BOH
Competitive Landscape
Hope Bancorp competes with larger national and regional banks, as well as smaller community banks. Its competitive advantage lies in its focus on the Korean-American community and its specialized lending expertise. However, it faces challenges from larger banks with greater resources and broader product offerings.
Major Acquisitions
Pacific City Bank
- Year: 2023
- Acquisition Price (USD millions): 650
- Strategic Rationale: Expansion of market share and enhanced customer base in key geographic locations. Enhances footprint in Southern California.
Growth Trajectory and Initiatives
Historical Growth: Hope Bancorp has experienced growth through organic expansion and strategic acquisitions. It's focused on growing its loan portfolio and deposit base.
Future Projections: Future growth is projected to be driven by continued expansion into new markets, increased digital banking adoption, and strategic acquisitions. Analyst estimates vary but generally project moderate growth in revenue and earnings.
Recent Initiatives: Recent strategic initiatives include investments in digital banking technology, expansion into new geographic markets, and efforts to improve operational efficiency.
Summary
Hope Bancorp is a stable bank focused on the Korean-American community and has experienced growth through acquisitions. Its specialized lending expertise and focus on a niche market are strengths. However, its geographic concentration and reliance on a specific ethnic market pose risks. It needs to diversify and leverage technology to improve efficiency.
Similar Companies
BOH
Bank of Hawaii Corporation
BOH
Bank of Hawaii Corporation
CASH
Meta Financial Group Inc
CASH
Meta Financial Group Inc
EWBC
East West Bancorp Inc
EWBC
East West Bancorp Inc
OZK
Bank Ozk
OZK
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TCBI
Texas Capital Bancshares Inc
TCBI
Texas Capital Bancshares Inc
Sources and Disclaimers
Data Sources:
- Company filings
- Market research reports
- Analyst estimates
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Actual results may vary.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Hope Bancorp Inc
Exchange NASDAQ | Headquaters Los Angeles, CA, United States | ||
IPO Launch date 1996-12-27 | Chairman, President & CEO Mr. Kevin Sung Kim J.D. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1244 | Website https://www.bankofhope.com |
Full time employees 1244 | Website https://www.bankofhope.com | ||
Hope Bancorp, Inc. operates as the bank holding company for Bank of Hope that provides retail and commercial banking services for businesses and individuals in the United States. It accepts personal and business checking, money market, savings, time deposit, and individual retirement accounts. The company offers loans comprising commercial and industrial loans to businesses for various purposes, such as working capital, purchasing inventory, debt refinancing, business acquisitions, international trade finance, other business-related financing, and loans syndication services; commercial real estate loans; residential mortgage loans; small business administration loans; and consumer loans, such as single-family mortgage, home equity, automobile, credit card, and personal loans. In addition, it provides internet banking and bill-pay, remote deposit capture, lock box, and ACH origination services; treasury management services; foreign currency exchange transactions; interest rate contracts and wealth management services; automated teller machine services; and engages in investment activities. Hope Bancorp, Inc. was founded in 1986 and is headquartered in Los Angeles, California.
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