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Hope Bancorp
Hope Bancorp (HOPE) investor relations material
Hope Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary27 Jan, 2026
Executive summary
Q4 2025 net income was $34.5 million, up 12% sequentially and 42% year-over-year, with EPS of $0.27 per share; full-year net income excluding notable items was $113.3 million, up 10% year-over-year.
Earnings growth was driven by higher net interest and fee income, lower credit loss provisions, and lower tax expense, partially offset by higher operating expenses.
Completed the Territorial Bancorp acquisition in April 2025, expanding into Hawaii and contributing to year-over-year growth in loans and deposits.
Optimized balance sheet, improved core profitability metrics, and maintained strong capital ratios.
Declared a quarterly dividend of $0.14 per share, payable in February 2026.
Financial highlights
Net interest income for Q4 2025 was $127.4 million, up 1% sequentially and 25% year-over-year; net interest margin rose to 2.90%.
Gross loans at year-end were $14.8 billion, up 1% sequentially and 8% year-over-year, with broad-based growth across CRE, C&I, and residential mortgage.
Total deposits at year-end were $15.6 billion, up 9% year-over-year and down 1% sequentially due to seasonal factors.
Noninterest income for Q4 was $18.4 million, up 19% sequentially, driven by swap fees, service fees, and gains on SBA loan sales.
Noninterest expense was $99 million in Q4, up 3% sequentially, mainly due to compensation costs and the inclusion of Territorial Savings Bank expenses.
Outlook and guidance
2026 guidance projects high single-digit loan growth, 15–20% revenue growth, and 25–30% pre-provision net revenue growth.
Medium-term targets: return on average assets of ~1.2%, high single-digit loan growth, revenue growth over 10%, and efficiency ratio in the mid-50% range.
Effective tax rate expected between 20%-25% for 2026.
Anticipate two Fed funds rate cuts in 2026, with positive impact on net interest margin.
Management expects to build on improved profitability and asset quality in 2026, leveraging expanded market presence.
Detail CD repricing schedule for 2026
Quantify 2026 revenue-generating hiring plans
Path to mid-50s efficiency ratio target
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Next Hope Bancorp earnings date
Q1 202621 Apr, 2026
Hope Bancorp
Next Hope Bancorp earnings date
Q1 202621 Apr, 2026
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Frequently asked questions
Hope Bancorp Inc. operates as the holding company for Bank of Hope, a commercial bank serving multi-ethnic communities, particularly Korean-Americans. It offers business and consumer banking products including loans, deposits, and treasury services. The bank operates branches across several U.S. states. The company is headquartered in Los Angeles, California, and its shares are listed on the NASDAQ.
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