Short answer
HOPE BANCORP INC (HOPE) filed its fiscal 2025 10-K annual report with the SEC on Feb 25, 2026. It reported revenue of $941M (−1.3% year over year) and net income of $62M.
- Top risk flagged: Regulatory risk from merger-related costs and credit loss provisions linked to acquisition of Territorial Bancorp completed April 2025, impacting 2025 net income by notable items $51.8M net of tax
FY2025 key financial metrics · XBRL
- Revenue
- $941M
- −1.3% YoY
- Net income
- $62M
- −38.2% YoY
- EPS (diluted)
- $0.49
- −40.2% YoY
- ROE
- 2.7%
- −2.0 pp YoY
- Operating cash flow
- $165M
- +41.0% YoY
Source: XBRL data from the HOPE BANCORP INC (HOPE) FY2025 10-K on SEC EDGAR. USD.
HOPE BANCORP INC FY2025 10-K analysis
AI summary of each section, grounded in the filing text
Business Overview
- Core business: regional banking services focused on serving commercial and retail customers
- No new products, services, or segments introduced or emphasized in 2026 filing
- Strategic focus on maintaining $50M share repurchase program, with $35.3M available as of Dec 31, 2025
- Stable shareholder base with 1,514 stockholders of record as of Feb 18, 2026
- Stock total return $127.46, underperforming NASDAQ Composite $187.14 and KBW Regional Banking Index $152.71 in 2025
Management Discussion & Analysis
- No operating margin or profitability % changes provided
- Best segment: Small business loans $234.3M in 562 loans in 2025 within assessment areas
- No explicit worst performing segment detailed
- Cash flow: $3.10B loans funded in 2025; $750K total charitable donations; no dividend or buyback $ disclosed
- Forward outlook risks: increased costs from Dodd-Frank provisions, FDIC special assessments, CFPB regulations, and prompt corrective capital actions
Risk Factors
- Regulatory risk from merger-related costs and credit loss provisions linked to acquisition of Territorial Bancorp completed April 2025, impacting 2025 net income by notable items $51.8M net of tax
- Macroeconomic exposure to Moody’s S2 downside scenario including risks from Russia-Ukraine conflict and China-Taiwan Strait blockage, causing $30.4M potential increase to allowance for credit losses
- Operational risk from increased nonperforming loans rising to $135.7M in 2025, up from $90.6M in 2024, stressing loan portfolio quality and credit loss provisions
- Competitive risk from being the largest multicultural regional bank after Territorial acquisition, facing increased market disruption risks from larger banks and digital-first challengers
- Financial leverage risk with total deposits $15.6B and borrowings $395.4M in 2025, with net interest margin compressing to 2.76% from 3.36% in 2022, pressuring profitability
Generated from the filing text; verify against the original. How to read a 10-K
Ask about this 10-K
Compare years, dig into a risk factor or check the numbers against insider trades and fund holders.