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Hope Bancorp, Inc. (HOPE) vs OceanFirst Financial Corp. (OCFC)

Hope Bancorp, Inc. and OceanFirst Financial Corp. are both Banks Regional companies. Hope Bancorp, Inc. and OceanFirst Financial Corp. are of similar size ($1.8B and $1.7B). Hope Bancorp, Inc. trades at the lower P/E: 13.3× against 22.0×. OceanFirst Financial Corp. grew revenue faster over the last twelve months: 10.5% against 8.01%. Hope Bancorp, Inc. has the higher net margin (12.9% vs 6.38%) and the higher return on invested capital (5.13% vs 1.77%). Both pay a dividend; OceanFirst Financial Corp. yields more (5.34% vs 5.26%). Across the 19 metrics below, Hope Bancorp, Inc. leads on 11 and OceanFirst Financial Corp. on 8.

Valuation

Metric HOPE OCFC Banks Regional median
P/E 13.31 22.01 12.46
P/S 1.65 1.75 2.41
P/B 0.75 0.55 1.26
Price to free cash flow 9.02 11.55 11.00
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.51% 4.54% 7.96%
Free cash flow yield 11.08% 8.66% 8.80%

Profitability

Metric HOPE OCFC Banks Regional median
Gross margin 57.59% 58.89% 69.75%
Operating margin 0.00% 0.00% 0.00%
Net margin 12.90% 6.38% 18.88%
Free cash flow margin 0.00% 15.15% 17.28%
Return on equity 5.87% 2.36% 10.43%
Return on assets 0.70% 0.26% 1.14%
Return on invested capital 5.13% 1.77% 8.47%

Growth

Metric HOPE OCFC Banks Regional median
Revenue growth (TTM) 8.01% 10.49% 6.94%
EPS growth (last fiscal year) (40.24%) (29.09%) 18.88%
Revenue growth, 5-year CAGR 8.21% 8.66% 12.56%
Net income growth, 5-year CAGR (11.20%) 1.86% 9.78%

Health

Metric HOPE OCFC Banks Regional median
Debt to equity 0.22 0.97 0.20
Current ratio 0.96 0.92 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric HOPE OCFC Banks Regional median
Dividend yield 5.26% 5.34% 2.64%
Payout ratio 0.68 1.18 0.32

Size

Metric HOPE OCFC Banks Regional median
Market cap 1.69b 1.77b 910.32m

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