The bank maintains a conservative capital structure with an equity-to-assets ratio of 12%, supported by a $16.9 billion investment securities portfolio.
| Metric | TTM | Dec'25 | Dec'24 | Dec'23 | Dec'22 | Dec'21 | Dec'20 | Dec'19 | Dec'18 | Dec'17 | Dec'16 | Dec'15 | Dec'14 | Dec'13 | Dec'12 | Dec'11 | Dec'10 | Dec'09 | Dec'08 | Dec'07 | Dec'06 | Dec'05 | Dec'04 | Dec'03 | Dec'02 | Dec'01 | Dec'00 | Dec'99 |
|---|
| Cash & Short Term Investments | 4.37B | 2.63B | 458.2M | 4.07B | 2.48B | 3B | 2.66B | 2.44B | 2.34B | 2.27B | 2.04B | 1.31B | 1.26B | 1.02B | 1.02B | 1.04B | 172.33M | 105.59M | 30.06M | 40.15M | 36.3M | 32.92M | 27.71M | 34.24M | 31.54M | 30.85M | 39.02M | 23.46M |
| Cash & Due from Banks | 594.77M | 560.06M | 458.2M | 1.93B | 506.78M | 329.12M | 379.22M | 727.73M | 489.01M | 545.37M | 481.54M | 298.39M | 462.16M | 316.7M | 312.92M | 300.11M | 172.33M | 105.59M | 30.06M | 40.15M | 36.3M | 32.92M | 27.71M | 34.24M | 31.54M | 30.85M | 39.02M | 23.46M |
| Short Term Investments | 0 | 2.07B | 0 | 2.15B | 1.97B | 2.67B | 2.29B | 1.72B | 1.85B | 1.72B | 1.56B | 1.01B | 796.52M | 705.75M | 704.4M | 740.92M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 16.93B | 2.07B | 15.63B | 16.21B | 17.62B | 16.69B | 15.79B | 14.08B | 14.02B | 12.85B | 12.11B | 7.26B | 6.33B | 5.77B | 5B | 4.48B | 2.64B | 2.95B | 2.49B | 2.26B | 1.87B | 1.62B | 1.35B | 1.12B | 825.76M | 571.6M | 426.38M | 269.12M |
| Investments Growth % | -63.7% | -86.74% | -3.55% | -8.05% | 5.57% | 5.73% | 12.11% | 0.46% | 9.1% | 6.07% | 66.77% | 14.69% | 9.79% | 15.4% | 11.68% | 69.49% | -10.47% | 18.34% | 10.29% | 20.54% | 15.66% | 20.32% | 20.59% | 35.29% | 44.47% | 34.06% | 58.44% | - |
| Long-Term Investments | 50.47B | 0 | 15.63B | 14.06B | 15.65B | 14.03B | 13.5B | 12.37B | 12.17B | 11.13B | 10.56B | 6.25B | 5.54B | 5.06B | 4.29B | 3.73B | 2.64B | 2.95B | 2.49B | 2.26B | 1.87B | 1.62B | 1.35B | 1.12B | 825.76M | 571.6M | 426.38M | 269.12M |
| Accounts Receivables | 53.73M | 0 | 51.17M | 61.72M | 55.46M | 41.84M | 59.43M | 30.77M | 32.23M | 29.98M | 26.88M | 15.2M | 13.63M | 13.4M | 12.12M | 13.44M | 8.65M | 11.26M | 8.17M | 9.35M | 8.97M | 7.62M | 5.12M | 4.72M | 4.2M | 3.24M | 3.44M | 1.91M |
| Goodwill & Intangibles | 528.02M | 525.94M | 466.78M | 468.38M | 470.18M | 472.12M | 474.16M | 476.28M | 478.51M | 480.97M | 483.67M | 108.22M | 109.29M | 110.58M | 92.91M | 94.75M | 3.04M | 3.55M | 4.14M | 4.4M | 8.97M | 7.62M | 5.12M | 6.76M | 2.39M | 1.35M | 5.52M | 1.91M |
| Goodwill | 528.02M | 525.94M | 464.45M | 464.45M | 464.45M | 464.45M | 464.45M | 464.45M | 464.45M | 464.45M | 464.45M | 105.4M | 105.4M | 105.4M | 89.88M | 90.47M | 2.51M | 2.51M | 2.51M | 2.16M | 0 | 0 | 5.12M | 3.69M | 1.1M | 200K | 5.52M | 1.91M |
| Intangible Assets | 0 | 0 | 2.33M | 3.94M | 5.73M | 7.67M | 9.71M | 11.83M | 14.06M | 16.52M | 19.23M | 2.82M | 3.89M | 5.18M | 3.03M | 4.28M | 534K | 1.04M | 1.63M | 2.24M | 8.97M | 7.62M | 0 | 3.08M | 1.29M | 1.15M | 0 | 0 |
| PP&E (Net) | 68.62M | 69.59M | 91.19M | 97.22M | 101.89M | 98.37M | 96.06M | 110.61M | 53.79M | 56.71M | 55.32M | 34.58M | 30.72M | 30.89M | 22.61M | 20.91M | 10.91M | 10.87M | 11.99M | 11.25M | 11.94M | 8.15M | 6.87M | 6.42M | 5M | 5.3M | 5.82M | 4.72M |
| Other Assets | 477.48M | 0 | 216.46M | 234.49M | 255.31M | 204.13M | 261.12M | 206.58M | 182.67M | 189.52M | 193.78M | 125.59M | 128.45M | 145.02M | 127.98M | 168.68M | 81.03M | 104.21M | 100.15M | 83.71M | 109.76M | 100.28M | 114.73M | 90.27M | 110.37M | 67.1M | 126.36M | 57.95M |
| Total Current Assets | 648.5M | 2.69B | 509.37M | 4.14B | 2.54B | 3.02B | 2.72B | 2.47B | 2.37B | 2.3B | 2.07B | 1.32B | 1.27B | 1.04B | 1.04B | 1.08B | 190.62M | 131M | 38.23M | 49.49M | 45.27M | 40.54M | 32.84M | 38.96M | 35.73M | 34.09M | 42.45M | 25.37M |
| Total Non-Current Assets | 18.01B | 595.53M | 16.54B | 15B | 16.63B | 14.85B | 14.38B | 13.19B | 12.94B | 11.91B | 11.38B | 6.59B | 5.87B | 5.44B | 4.6B | 4.09B | 2.77B | 3.1B | 2.63B | 2.37B | 2B | 1.74B | 1.48B | 1.22B | 943.52M | 645.34M | 560.11M | 333.53M |
| Total Assets | 18.66B | 18.53B | 17.05B | 19.13B | 19.16B | 17.89B | 17.11B | 15.67B | 15.31B | 14.21B | 13.44B | 7.91B | 7.14B | 6.47B | 5.64B | 5.17B | 2.96B | 3.23B | 2.67B | 2.42B | 2.05B | 1.78B | 1.51B | 1.26B | 979.25M | 679.44M | 601.66M | 358.9M |
| Asset Growth % | 31.36% | 8.66% | -10.86% | -0.17% | 7.13% | 4.57% | 9.19% | 2.36% | 7.74% | 5.69% | 69.9% | 10.81% | 10.3% | 14.77% | 9.03% | 74.59% | -8.2% | 20.8% | 10.26% | 18.39% | 15.27% | 17.79% | 19.65% | 28.67% | 44.13% | 12.93% | 67.64% | - |
| Return on Assets (ROA) | 0.36% | 0.33% | 0.55% | 0.7% | 1.18% | 1.17% | 0.68% | 1.1% | 1.28% | 1.01% | 1.07% | 1.23% | 1.3% | 1.35% | 1.54% | 0.67% | -0.23% | -0.19% | 0.11% | 1.49% | 1.77% | 1.64% | 1.43% | 1.23% | 1.67% | 1.68% | 2.18% | 1.11% |
| Accounts Payable | 0 | 0 | 93.78M | 168.17M | 26.67M | 4.27M | 14.71M | 33.81M | 31.37M | 15.96M | 10.86M | 6.01M | 5.86M | 4.82M | 4.36M | 6.52M | 4.83M | 12.67M | 8.55M | 10.48M | 8.26M | 8.76M | 3.41M | 3.29M | 2.86M | 3.21M | 3.75M | 1.59M |
| Total Debt | 396.28M | 395.88M | 392.64M | 1.96B | 1.25B | 678.87M | 610.77M | 988M | 1.12B | 1.33B | 854.1M | 572.92M | 523.13M | 478.76M | 462.57M | 396.5M | 401.03M | 389.27M | 389.27M | 336.27M | 115.27M | 70.27M | 129.27M | 99.27M | 65M | 9.3M | 9.3M | 4.3M |
| Net Debt | -198.49M | -164.18M | -65.56M | 27.7M | 740.29M | 349.75M | 231.55M | 260.27M | 628.74M | 783.08M | 372.56M | 274.53M | 60.97M | 162.06M | 149.65M | 96.39M | 228.69M | 283.68M | 359.21M | 296.12M | 78.97M | 37.34M | 101.56M | 65.03M | 33.46M | -21.55M | -29.72M | -19.16M |
| Long-Term Debt | 111.32M | 110.96M | 348.58M | 1.9B | 1.19B | 621.56M | 558.74M | 927.49M | 1.12B | 1.26B | 854.1M | 572.92M | 523.13M | 478.76M | 462.57M | 396.5M | 401.03M | 389.27M | 389.27M | 336.27M | 115.27M | 70.27M | 52.27M | 39.27M | 0 | 4.3M | 4.3M | 4.3M |
| Short-Term Debt | 284.97M | 284.92M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 69.9M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 77M | 60M | 65M | 5M | 5M | 0 |
| Other Liabilities | 15.98B | -110.96M | 105.59M | 131.69M | 131.89M | 72.49M | 93.53M | 82.26M | 97.96M | 87.45M | 78.95M | 54.65M | 35.12M | 34.19M | 38.6M | 26.75M | 22.76M | 23.85M | 45.68M | 21.14M | 24.6M | 23.56M | 18.4M | 13.23M | 11.69M | 21.66M | 17.29M | 6.41M |
| Total Current Liabilities | 284.97M | 3.73B | 14.42B | 14.92B | 15.77B | 15.04B | 14.35B | 12.56B | 12.19B | 10.93B | 10.65B | 6.35B | 5.7B | 5.15B | 4.39B | 3.95B | 2.18B | 2.45B | 1.95B | 1.84B | 1.72B | 1.54B | 1.34B | 1.12B | 884.78M | 598.05M | 536.46M | 321.46M |
| Total Non-Current Liabilities | 16.09B | 0 | 498.23M | 2.09B | 1.38B | 751.36M | 704.3M | 1.07B | 1.22B | 1.35B | 933.05M | 627.57M | 558.25M | 512.95M | 501.17M | 423.25M | 423.79M | 413.12M | 434.95M | 357.4M | 139.87M | 93.83M | 70.67M | 52.49M | 11.69M | 25.96M | 21.59M | 10.71M |
| Total Liabilities | 16.37B | 16.25B | 14.92B | 17.01B | 17.15B | 15.8B | 15.05B | 13.63B | 13.4B | 12.28B | 11.59B | 6.97B | 6.26B | 5.66B | 4.89B | 4.38B | 2.6B | 2.86B | 2.38B | 2.2B | 1.86B | 1.63B | 1.41B | 1.18B | 896.47M | 624.01M | 557.15M | 332.17M |
| Total Equity | 2.28B | 2.28B | 2.13B | 2.12B | 2.02B | 2.09B | 2.05B | 2.04B | 1.9B | 1.93B | 1.86B | 938.1M | 882.77M | 811.1M | 751.1M | 796.24M | 358.56M | 367.98M | 289.95M | 222.18M | 186.63M | 146.75M | 101.25M | 82.57M | 82.78M | 55.43M | 44.51M | 26.73M |
| Equity Growth % | 21.99% | 6.97% | 0.63% | 5.05% | -3.52% | 1.91% | 0.87% | 6.98% | -1.3% | 3.84% | 97.94% | 6.27% | 8.84% | 7.99% | -5.67% | 122.06% | -2.56% | 26.91% | 30.5% | 19.05% | 27.17% | 44.94% | 22.63% | -0.25% | 49.35% | 24.52% | 66.55% | - |
| Equity / Assets (Capital Ratio) | 12.24% | 12.32% | 12.52% | 11.09% | 10.54% | 11.7% | 12.01% | 13% | 12.43% | 13.57% | 13.81% | 11.86% | 12.36% | 12.53% | 13.32% | 15.39% | 12.1% | 11.4% | 10.85% | 9.17% | 9.12% | 8.26% | 6.72% | 6.55% | 8.45% | 8.16% | 7.4% | 7.45% |
| Return on Equity (ROE) | 2.96% | 2.65% | 4.68% | 6.46% | 10.62% | 9.87% | 5.45% | 8.68% | 9.9% | 7.37% | 8.14% | 10.13% | 10.46% | 10.47% | 10.76% | 4.7% | -1.99% | -1.74% | 1.08% | 16.24% | 20.28% | 21.66% | 21.52% | 16.6% | 20.04% | 21.58% | 29.36% | 14.86% |
| Book Value per Share | 17.74 | 17.73 | 17.62 | 17.62 | 16.76 | 17.00 | 16.58 | 16.05 | 14.42 | 14.21 | 17.94 | 11.78 | 11.09 | 10.23 | 9.62 | 18.86 | 12.64 | 12.98 | 10.97 | 8.38 | 7.07 | 5.85 | 4.09 | 3.55 | 3.59 | 2.38 | 2.17 | 1.35 |
| Tangible BV per Share | 13.64 | 13.65 | 13.77 | 13.73 | 12.86 | 13.16 | 12.75 | 12.29 | 10.80 | 10.67 | 13.26 | 10.42 | 9.72 | 8.84 | 8.43 | 16.62 | 12.54 | 12.85 | 10.82 | 8.22 | 6.73 | 5.54 | 3.89 | 3.26 | 3.48 | 2.32 | 1.90 | 1.25 |
| Common Stock | 146K | 146K | 138K | 138K | 137K | 136K | 136K | 136K | 136K | 136K | 135K | 80K | 79K | 79K | 78K | 78K | 38K | 38K | 26K | 26K | 26K | 25K | 23K | 23.12K | 10.69K | 5.57K | 5.46K | 13.21M |
| Additional Paid-in Capital | 1.52B | 1.52B | 1.45B | 1.44B | 1.43B | 1.42B | 1.43B | 1.43B | 1.42B | 1.41B | 1.4B | 541.6M | 541.59M | 540.88M | 525.35M | 524.64M | 171.36M | 169.81M | 82.08M | 79.97M | 77.94M | 69.45M | 44.9M | 43.05M | 32.93M | 32.99M | 32.1M | 9.02M |
| Retained Earnings | 1.18B | 1.17B | 1.18B | 1.15B | 1.08B | 932.56M | 785.94M | 762.48M | 662.38M | 541.29M | 469.5M | 398.25M | 339.4M | 280.33M | 216.59M | 142.91M | 120.36M | 131.89M | 141.89M | 142.49M | 111.98M | 81.02M | 56.85M | 39.57M | 29.9M | 22.08M | 12.11M | 4.65M |
| Accumulated OCI | -152.4M | -148.31M | -227.87M | -204.74M | -230.86M | -11.41M | 32.75M | 9.15M | -32.7M | -21.78M | -14.66M | -1.83M | 1.71M | -10.19M | 9.08M | 8.96M | 2.6M | 2.98M | -1.14M | -311K | -3.32M | -3.74M | -520K | -64.79K | 2.52M | 356.67K | 288.38K | -157.36K |
| Treasury Stock | -271.37M | -264.67M | -264.67M | -264.67M | -264.67M | -250M | -200M | -163.82M | -150M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 119.35M | 67M | 67M | 67M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
CRE concentration and NIM
According to recent financial disclosures, Hope Bancorp's total assets have remained largely range-bound between $17.1 billion and $19.1 billion over the last ten quarters, suggesting that the bank is prioritizing balance sheet stability over aggressive expansion in the current high-interest rate environment.
The lack of meaningful asset growth indicates a strategic pivot toward maintaining capital ratios rather than pursuing market share. This stagnation appears to be a deliberate choice to mitigate risk, as the bank navigates a challenging interest rate cycle that has pressured its core lending activities.
As reported in quarterly filings, Hope Bancorp has maintained a consistent equity-to-assets ratio of approximately 12% to 13% throughout the observed period, which suggests a robust capital buffer that provides significant protection against potential credit losses within its concentrated commercial real estate portfolio.
This capital position appears to be a cornerstone of the bank's risk management strategy, allowing it to absorb volatility without compromising its regulatory standing. Investors should monitor whether this conservative stance limits the bank's ability to deploy capital for growth when market conditions eventually improve.
Based on the provided balance sheet data, investment securities have consistently comprised the vast majority of total assets, reaching $16.9 billion in 2026Q1, which indicates a heavy reliance on liquid, interest-bearing instruments rather than a traditional loan-heavy banking model for generating net interest income.
The high concentration of securities relative to total assets suggests that the bank's liquidity profile is heavily influenced by the duration and yield of its investment portfolio. This structure may leave the bank vulnerable to unrealized losses if interest rates remain elevated for an extended period.
Data from recent balance sheets reveals that the bank's cash and cash equivalents have declined from $1.9 billion in 2023Q4 to $594.8 million in 2026Q1, which may indicate a tightening liquidity position as the bank shifts capital into longer-duration investment securities.
This reduction in cash liquidity warrants further investigation, as it could limit the bank's flexibility to respond to sudden deposit outflows or unexpected credit events. The shift toward securities appears to be an attempt to bolster yields, but it simultaneously increases the bank's exposure to interest rate volatility.
Quick answers to the most common questions about buying HOPE stock.
As of 2025, Hope Bancorp, Inc. (HOPE) had total assets of $18.53B including $2.69B in current assets.
Hope Bancorp, Inc. (HOPE) carries total debt of $395.9M. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
Hope Bancorp, Inc. (HOPE) has total shareholders' equity (book value) of $2.28B ($17.73 book value per share). Book value represents the net worth of the company belonging to common stock holders.
Hope Bancorp, Inc. (HOPE) reported a current ratio of 0.72x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.