Hope Bancorp Inc (NASDAQ: HOPE)

Hope Bancorp, Inc. is the holding company of Bank of Hope, a regional Korean American bank headquartered in Los Angeles, California. The company provides a full suite of commercial, corporate and consumer banking products and services, including commercial and commercial real estate lending, SBA lending, residential mortgage and other consumer loans, treasury management services, foreign currency exchange solutions, interest rate derivative products, and international trade financing. As of September 30, 2025, Bank of Hope operated 45 full service branches in California, New York, New Jersey, Washington, Texas, Illinois, Georgia and Alabama under the Bank of Hope brand, and 29 branches in Hawaii under the Territorial Savings brand, with total assets of $18.51 billion.

The company’s primary source of revenue is interest income earned on its loan portfolio and investment securities, which is funded mainly by deposits and borrowings. Net interest income, the difference between interest earned on assets and interest paid on liabilities, constitutes the core of earnings. Additional revenue comes from fee based products and services such as service charges on deposit accounts, treasury management, foreign currency exchange, wire transfer fees, swap fee income, and net gains on sales of SBA guaranteed loans. The company also recognizes income from the sale of investment securities and other miscellaneous fees. These revenue streams are influenced by interest rate movements, loan demand, and the volume of fee generating activities.

The company operates through the following segments.

Hope Bancorp, Inc. distinguishes itself as the largest regional bank that focuses on multicultural communities across the continental United States and Hawaii, a position strengthened by the acquisition of Territorial Savings. The company competes with other regional banks and larger national institutions while leveraging its deep relationships with Korean American and other immigrant groups, its broad product suite, and its solid capital ratios, which consistently exceed regulatory well capitalized thresholds. Its strategy emphasizes relationship banking, personalized service, and specialized offerings such as international trade financing and foreign exchange solutions that cater to the needs of its diverse clientele.

The bank serves a varied customer base that includes small and mid sized businesses seeking commercial loans and lines of credit, real estate investors and developers requiring commercial mortgage financing, individual consumers looking for residential mortgages and personal banking products, and multinational clients engaged in import and export activities who utilize its international trade and foreign exchange services. Additionally, the bank supports nonprofit organizations and professional groups through tailored deposit and fee based solutions.