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Dec 31, 2025
Hope Bancorp Q4 2025 Earnings Report
Hope Bancorp reported its financial results for the fourth quarter and full year ended December 31, 2025.
Key Takeaways
Hope Bancorp delivered solid earnings growth in the fourth quarter of 2025, with net income up 12% quarter-over-quarter, driven by growth in net interest income, strength in customer fee revenue, and lower provisions for credit losses. For the full year, the company significantly lowered its cost of deposits, reduced reliance on brokered deposits, and strengthened asset quality.
Net income for Q4 2025 was $34.5 million, a 12% increase quarter-over-quarter and a 42% increase year-over-year.
Diluted EPS for Q4 2025 was $0.27, up from $0.24 in Q3 2025 and $0.20 in Q4 2024.
Total assets reached $18.53 billion at December 31, 2025, showing a slight increase from the previous quarter and a 9% increase year-over-year.
Criticized loans decreased by 6% quarter-over-quarter to $351.1 million, reflecting sustained improvement in credit risk management.
Revenue by Segment
Forward Guidance
The company is well-positioned to build on its momentum in 2026 and beyond, continuing to enhance financial performance and earnings growth.
Positive Outlook
- Continued focus on optimizing the balance sheet and improving core profitability metrics.
- Strengthened asset quality with a steady decrease in criticized assets.
- Expansion of banking footprint into the strategically attractive market of Hawaii through the Territorial Bancorp acquisition.
- Experienced senior leadership and front-line talent added to strengthen the franchise.
- Commitment to serving multicultural communities across the continental United States and Hawaii.
Challenges Ahead
- Difficulties and delays in integrating Hope Bancorp and Territorial Bancorp.
- Higher than anticipated transaction costs from the acquisition.
- Potential for deposit attrition, operating costs, customer loss, and business disruption following the acquisition.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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