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53

HOPE

🏦 Financial Services

Hope Bancorp, Inc.

Conservative #476Aggressive #1039Low RiskML↑ 51pt
$11.82+1.63%
Day High$11.86
Day Low$11.64
Volume0.6M
Mkt Cap$1.5B
52W Low $952W High $13
Market Cap
$1.6B
P/E Ratio
26.8
Sector avg: 49.4
Rev Growth
-3.2%
Sector avg: 13.4%
Earnings Growth
-41.3%
Profit Margin
6.0%
Sector avg: -2.8%
Debt/Equity
0.17

Why This Score

HOPE scores 53.3 on the Conservative profile, blending a fundamental score (80% weight, emphasizing quality and stability (84% of fundamental weight)) with a machine-learning signal (20% weight) trained on 82 features across 30 years of data.

Strengths
  • Low volatility (5.6% annualized) — well-suited for risk-averse portfolios.
  • Positive but moderate momentum (19%) — steady appreciation without overheating.
Risk Factors
  • Signal divergence: Fundamental and ML signals disagree by a significant margin, reducing confidence.

Moderate penalties (-3.1 points) reflect identified risk factors. The overall score balances these against the stock's fundamental strengths.

Score Breakdown

Overall Score53.3
Fundamental Score59.4
ML Score24.0

Score by Horizon

3 Month
80.9
6 Month
90.4
Primary
1 Year
95.1

Quality Assessment

B
Earnings Grade
Solid fundamentals with minor quality concerns

Position Sizing

Suggested Allocation
5%
Confidence
high

Score Composition Waterfall

How each component affects the final score
Backtested Scoring Levers (IC-calibrated from 30y ElasticNet)
Weinstein (12.1%)
100
Advancing
Sentiment (2.5%)
57
Neutral
Analyst (6.4%)
54
Neutral
Tradability (post-hoc)
81
Grade A
Base
52.4
SHAP
+3.0
Factors
+1.0
Divergence
-3.1
Final
53.3
Positive adjustment
Negative adjustment
Base blend
Final score

Signal SegmentsComputed from ML features

Fundamental (Valuation, Quality, Growth)36.0
Technical (Momentum, Weinstein, Volatility)81.0
External (Sentiment, Analyst, Macro)78.0
Scores below 50 indicate weakness in that segment relative to the universe.

Data Quality

Score
Features
Confidence
Feature Coverage89%

Growth Estimates

Short-term
+4.9% to +10.0%
Medium-term
+7.8% to +15.6%
Long-term
+12.2% to +22.8%

ML Model Core Features100 trained inputs → ML Score: 24

These features are direct inputs to the machine learning model. The model was trained on these signals alongside 100 features (including 12 momentum/technical indicators) to produce the ML percentile score.

Analyst Intelligence
Consensus Score54.2/100
Target Upside+26.6%
Coverage6 analysts
Market Sentiment
Sentiment Score57.4/100
News Volume1 articles
Technical Stage
Weinstein Stage2 — Advancing
12M Momentum+0.2%
6M Momentum+0.1%
Volatility+0.1%
Momentum & Technical
Momentum Acceleration+5.2%
Momentum ConsistencyStrong (0.72)
Relative Strength vs Sector+9.7%
Trend Strength (ADX Proxy)Strong (3.3)
Momentum Quality+0.173
Momentum BreadthBroad ✓
Macro Regime
Bull RegimeYes
High Vol RegimeNo
S&P 500 Return+25.0%
Yield Curve-0.1bp

Sector-Relative AnalysisIn-model features

Value Trap Signal
11%
Low risk
Sector RevGr Rank
P13
Revenue growth vs Financial Services peers
Sector PE Rank
P20
Valuation vs Financial Services peers
Sector FCF Rank
P63
Free cash flow vs Financial Services peers
Growth Deviation
-0.1σ
Z-score vs sector median
Stagnation Flag
NO
Not flagged

Analysis Signals

Scoring Factors
Fundamental score of 38 relative to sector peers38/100
Machine learning model ranks this stock at the 89th percentileP89
ML model weight reduced to 9% due to macro conditions: market in extended rally phase; yield curve inverted (recession indicator); late-cycle economic indicators detected9% ML weight
SHAP feature alignment: +4.4pt (features align with model priorities)—
Blend: 91% fund (38.1) + 9% ML (88.9) + SHAP(+4.4) = 47.1—
Factor quality: +1.5pt (multi-factor composite)—
Risk assessment: low. Annualized volatility 5.6%. Stability bonus of +10.8 pointsLow
Market cap adjustment: -8.0 points ($1.6B market cap)-8.0 pts
Conviction penalty: -4.8pt (conviction=0)—
Divergence penalty: -6.2pt (ML 51pt higher)—
Risk Factors
Earnings quality grade B: adequate earnings quality with minor concerns. Score adjusted by -8 pointsGrade B
Quality concern: High accrual ratio (-184.0%) — earnings quality concern; CRE concentration risk: regional bank with likely elevated commercial real estate exposure — forward-looking impairment risk not captured by trailing fundamentalsFlag

Sector Peer Comparison(Financial Services — Rank #144 of 356 stocks)

StockScoreP/ERev GrowthMarginMkt Cap
HOPE53.326.8-3.2%6.0%$1.6B
CME84.927.29.9%57.5%$109.0B
CINF82.310.711.4%18.9%$25.4B
ACT82.08.92.4%54.6%$6.0B
SEIC80.914.010.7%27.3%$9.6B
TROW79.310.13.1%28.5%$20.5B
FHB78.311.83.2%24.2%$3.3B
MCHB77.70.0123.7%23.2%$3.4B
TRMK75.611.934.8%19.3%$2.7B
BCAL74.39.926.2%27.1%$613M
NMIH73.97.78.4%55.1%$3.0B
FFIN73.218.811.7%30.7%$4.8B
TW73.130.018.9%39.6%$24.8B
VCTR73.118.38.8%32.3%$4.9B
VLY72.412.5-2.2%17.1%$7.5B
QQQX72.310.448.6%257.3%$1.4B
Sector Average45.849.413.4%-2.8%—

Market Sentimentvia FMP

Analyst Consensus
Hold6 analysts
Buy: 1Hold: 5
Price Target
$15consensus
Low $15Median $15High $15
+22.7% to consensus target

Company Overviewvia FMP

Hope Bancorp, Inc. operates as the bank holding company for Bank of Hope that provides banking services for small and medium-sized businesses, and individuals in the United States. The company accepts personal and business checking, money market, savings, time deposit, and individual retirement accounts. Its loan products include commercial loans to businesses for various purposes, such as working capital, purchasing inventory, debt refinancing, business acquisitions, and other business related financing needs; real estate loans; small business administration loans; and consumer loans, such as single-family mortgage, home equity, auto, credit card, and personal loans. The company also offers trade finance services, including the issuance and negotiation of letters of credit, as well as handles documentary collections; warehouse lines of credit to mortgage loan originators; and commercial equipment lease financing. In addition, it provides cash management services, such as remote deposit capture, lock box, and ACH origination services; investment and wealth management services; mobile banking services; debit card services; foreign exchanges services, safe deposit boxes, and other customary bank services; internet banking services; and automated teller machine services. As of December 31, 2021, the company operated 47 full-service branches in California, Washington, Texas, Illinois, New York, New Jersey, Virginia, and Alabama; SBA loan production offices in Atlanta, Houston, Dallas, Denver, Portland, Seattle, Fremont, and Southern California; and a representative office in Seoul, Korea. Hope Bancorp, Inc. was incorporated in 2000 and is headquartered in Los Angeles, California.

CEO
Kevin Sung Kim
Employees
1,227
Beta
0.83
Industry
Banks - Regional
FMP-Identified Peers

Technical Picturecomputed from daily prices

RSI (14)
28.1
Oversold
Trend
Bullish
10-day vs 50-day MA
From 52W High
-7.6%
High: $12.79
From 52W Low
+34%
Low: $8.82
Moving Averages
10-Day
$12.00
Below
20-Day
$12.10
Below
50-Day
$11.70
Above
200-Day
$10.90
Above
60-Day Support
$10.54
60-Day Resistance
$12.79
Weinstein Stage Analysisbased on 200-day SMA framework
Stage 2 — AdvancingScore: 66/100

Stock is in an uptrend above the 200-day moving average. This is the stage where institutional accumulation typically occurs. The 50-day SMA provides support.

Favorable technical position; 50-day SMA acts as support
Price vs 200 SMA
+8.4%
200 SMA Slope (60d)
+3.79%
Rising
Volume Ratio
0.81x
10d avg vs 50d avg
Days in Stage
62
Confidence: 90%

Financial Statementslast 4 quarters via FMP

MetricQ4 2025Q3 2025Q2 2025Q1 2025
Revenue$259M$260M$216M$233M
Gross Profit$146M$133M$80M$112M
Operating Income$46M$36M$-30M$28M
Net Income$34M$31M$-28M$21M
EPS (Diluted)$0.27$0.24$-0.22$0.17
Gross Margin56.4%51.2%36.8%48.0%
Operating Margin17.9%14.0%-13.8%12.0%
Net Margin13.3%11.9%-12.9%9.1%

Why This Stock

Financial ServicesValuation below sector median (P/E 26.8)

Tradability FilterGrade A — 81/100Score impact: +9.9pt

Volume
100
1.0M avg/day
Dollar Vol
63
$12M/day
Float
100
122M shares
Mkt Cap
49
$1.6B
Range
83
45% spread
Composite Liquidity Score81/100
FDCBA

Multi-Year Range Analysis

Sideways: 6/100
YearLowHighRangeStatus
2021$12.48$16.6128.4%Moderate
2022$12.40$17.6835.1%Wide
2023$7.42$13.8160.2%Wide
2024$9.80$14.5438.9%Wide
2025$8.82$12.6335.5%Wide
3-Year Range
64.8%
Narrow Years
1 / 5
Sideways Penalty
None

Growth Projection Adjustment

0.7x dampening
slight revenue decline

Growth estimates have been dampened based on technical and fundamental signals. This is a post-hoc adjustment to prevent overly optimistic projections for stocks showing declining momentum or deteriorating fundamentals.

Free Float
95.4%
Outstanding Shares
128M
Bid-Ask Spread
45.0%
Institutional Tradable
Yes

Scores are generated by a multi-stage ML pipeline combining fundamental analysis, ensemble predictions, and structural risk signals. All data is for research purposes only and does not constitute financial advice. Past performance does not guarantee future results.