Hope Bancorp Inc (HOPE)vsU.S. Bancorp (USB)
HOPE
Hope Bancorp Inc
$11.18
+0.63%
FINANCIAL SERVICES · Cap: $1.43B
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 5675% more annual revenue ($26.35B vs $456.35M). USB leads profitability with a 28.7% profit margin vs 13.5%. HOPE appears more attractively valued with a PEG of 1.24. HOPE earns a higher WallStSmart Score of 76/100 (B+).
HOPE
Strong Buy76
out of 100
Grade: B+
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+47.0%
Fair Value
$22.93
Current Price
$11.18
$11.75 discount
Margin of Safety
+75.8%
Fair Value
$214.00
Current Price
$51.89
$162.11 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 33.0%
Revenue surging 32.0% year-over-year
Earnings expanding 45.8% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.3%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Earnings expanding 24.7% YoY
Areas to Watch
Smaller company, higher risk/reward
ROE of 2.8% — below average capital efficiency
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : HOPE
The strongest argument for HOPE centers on Price/Book, Operating Margin, Revenue Growth. Revenue growth of 32.0% demonstrates continued momentum. PEG of 1.24 suggests the stock is reasonably priced for its growth.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 39.3%.
Bear Case : HOPE
The primary concerns for HOPE are Market Cap, Return on Equity.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
HOPE profiles as a growth stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 1.04 — expect wider price swings.
HOPE is growing revenue faster at 32.0% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
HOPE scores higher overall (76/100 vs 75/100) and 32.0% revenue growth. USB offers better value entry with a 75.8% margin of safety. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Hope Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Hope Bancorp, Inc. is the bank holding company for Bank of Hope providing banking services for small and medium-sized businesses and individuals in the United States. The company is headquartered in Los Angeles, California.
U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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