Hope Bancorp Earnings Call Transcripts
Fiscal Year 2026
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Q3 revenue and PPNR rose 11% and 21% YoY, respectively, while adjusted EPS was $0.29 and credit metrics improved. The MANUBANK acquisition added deposits and liquidity; FY 2026 revenue growth guidance is 16%–18%, excluding notable items.
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Q2 2026 saw strong revenue and EPS growth, improved profitability ratios, and robust loan and deposit growth. The pending MANUBANK acquisition is on track for H2 2026, expected to boost loans and deposits, with guidance assuming one quarter of contribution.
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Net income rose 40% year-over-year to $30 million, with strong loan and deposit growth and improved efficiency. The pending MANUBANK acquisition is expected to drive over 20% loan growth and be accretive to 2027 earnings.
Fiscal Year 2025
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Q4 2025 saw net income rise 42% quarter-over-quarter, driven by higher net interest and fee income, improved asset quality, and the successful Hawaii expansion. 2026 guidance calls for 25%-30% pre-provision net revenue growth, with continued focus on efficiency and capital returns.
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Net income rebounded to $31M in Q3 2025, up 28% year-over-year, with strong loan growth, improved asset quality, and margin expansion. Guidance calls for high single-digit loan growth and 10% net interest income growth for 2025, supported by talent investments and acquisition integration.
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Second quarter results reflect the Territorial Bancorp acquisition, driving strong loan and deposit growth, improved net interest income, and a more diversified portfolio. Excluding notable items, core profitability improved, while reported results were impacted by one-time charges and a tax law change.
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Q1 2025 saw stable net income, improved capital ratios, and completion of the Territorial merger, adding significant deposits and high-quality loans. Loan growth guidance was trimmed, but non-interest income outlook was raised, with asset quality remaining strong.
Fiscal Year 2024
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Q4 2024 saw improved profitability with net income of $24.3M and reduced expenses. The pending Territorial Bancorp merger is expected to drive high single-digit loan growth and double-digit net interest income growth in 2025, with integration costs and competitive deposit pricing as key factors.
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Q3 2024 saw strong core deposit and loan growth, stable asset quality, and robust capital ratios. Net interest income and margin declined slightly, but non-interest income rose on higher SBA loan sales. Outlook calls for continued low single-digit growth and stable reserves.
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Q2 2024 saw improved net interest margin, lower expenses, and stable asset quality, with net income of $25.3 million. Loan growth is expected to accelerate in the second half, while net interest income faces pressure from spread compression and deposit mix shifts.