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Hope Bancorp (HOPE) investor relations material
Hope Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary28 Oct, 2025
Executive summary
Net income for Q3 2025 was $30.8 million, up 28% year-over-year and a significant turnaround from a net loss in Q2 2025; excluding notable items, adjusted net income was $31.6 million, up 29% sequentially.
Strong earnings growth was driven by robust net interest income, positive operating leverage, and improved asset quality, supported by strategic investments and the successful integration of the Territorial Bancorp acquisition.
The quarter saw diversified loan growth across all major segments, lower deposit costs, and a 10% reduction in criticized loans.
Book value per share increased to $17.60 and tangible common equity per share to $13.51 at September 30, 2025.
Financial highlights
Net interest income reached $127 million, up 8% sequentially and 21% year-over-year, with net interest margin expanding 20 basis points to 2.89%.
Noninterest income was $15.4 million, up 30% year-over-year, with growth in service fees and international banking; Q2 2025 had losses from securities sales.
Noninterest expense was $96.9 million, up from Q2 mainly due to higher compensation and merger costs; efficiency ratio improved to 67.5% from 69.1% in Q2, excluding notable items.
Provision for credit losses was $8.7 million, down from $15 million in Q2 2025.
Quarterly dividend of $0.14 per share declared.
Outlook and guidance
Management expects high single-digit loan growth and ~10% net interest income growth for 2025, with noninterest income projected to grow ~30% and noninterest expenses to rise ~15% due to acquisition and talent investments.
Sequential positive operating leverage and improved efficiency ratio anticipated in Q4 2025.
Net interest margin expected to benefit from lower deposit costs and higher-yielding asset redeployment.
SBA loan sales may be impacted by the ongoing federal government shutdown, but management remains confident in the noninterest income outlook.
Effective tax rate for Q4 2025 expected at ~14%, excluding notable items.
What is the deposit strategy?
Loan growth sustainability by segment
What is the securities portfolio strategy?
Future revenue impact from recent hires?
Q4 CD maturities impact on funding costs?
Strategy for reducing CRE nonaccruals?
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Next Hope Bancorp earnings date
Q4 202527 Jan, 2026
Next Hope Bancorp earnings date
Q4 202527 Jan, 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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