TriCo Bancshares vs Hope Bancorp

TriCo Bancshares and Hope Bancorp are compared here to illuminate their business models, financial performance, and the market context in which they operate. The page presents neutral, accessible information to help readers understand each company and its role in the banking sector. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

TCBK

Metric

HOPE

$1.58B

Market Cap

$1.47B

-1.86%

Potential Profit

3.74%

Buy

Analyst Rating

Hold

Investment Analysis

TriCo Bancshares

TCBK

Pros

Consistent net income growth, with Q3 2025 net income at $34 million, up 17.1% year-over-year and above analyst expectations.
Stable and slightly increasing net interest margin, improving from 3.88% to 3.92% in Q3 2025, supporting core profitability.
Loan balances grew steadily by 4.8% year-over-year, indicating ongoing credit expansion and revenue potential.

Considerations

Rising loan charge-offs increased to $737,000 in Q3 2025 from $444,000 the prior year, signaling a potential uptick in credit risk.
Deposit balances showed a slight decline of 2.0% annualized from the previous quarter, which could pressure liquidity.
Provision for credit losses increased notably, reflecting heightened reserves for loans under review and potential asset quality concerns.

Hope Bancorp

HOPE

Pros

Offers a diverse range of commercial and consumer loan products catering to small and medium-sized businesses and individuals.
Recent price-to-earnings ratio rebound to 26.88 suggests improved market confidence compared to prior periods of negative PE.
Established presence in regional banking with a market cap of approximately $1.42 billion and an IPO history since 1998.

Considerations

Current PE ratio at 31.71 significantly exceeds its ten-year historical average of 12.53, indicating possibly overextended valuation.
Stock price volatility is implied by recent near 1% intraday declines, reflecting investor uncertainty or external market pressures.
No recent highlighted growth catalysts or earnings beats reported, which may indicate challenges in accelerating earnings momentum.

About The Companies

TriCo Bancshares (TCBK)

Trico Bancshares serves as the bank holding company for its primary subsidiary, Tri Counties Bank, a commercial bank chartered in California. It provides a comprehensive range of financial services tailored to personal, small business, and commercial clients. These services include standard banking products like savings and time deposits, alongside various lending options such as commercial, real estate, and consumer loans. For its business clients, the company also offers treasury management services. Furthermore, Tri Counties Wealth Management Advisors provide brokerage services from the bank's offices. The company's financial health appears robust, with strong earnings from its core operations. As a holding company, its performance is directly linked to the success and stability of its banking subsidiary. As with any financial institution, its fortunes can be influenced by economic cycles and interest rate fluctuations.

Hope Bancorp (HOPE)

Hope Bancorp, Inc. is the bank holding company for Bank of Hope and Territorial Savings Bank. It serves a diverse customer base with a comprehensive suite of financial products and services. These include commercial and consumer loans, residential mortgages, and Small Business Administration (SBA) loans. The company also offers treasury management, international trade financing, and foreign currency exchange solutions, catering to both individual and corporate clients. With a significant physical presence, Hope Bancorp operates dozens of full-service branches across key US states like California, New York, Texas, and Hawaii. Its reach is further extended by loan production offices throughout the United States and a representative office in Seoul, South Korea, highlighting its focus on both domestic and international markets. An investment in any company carries risks, and returns are not guaranteed.

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6% Interest on Cash

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TriCo Bancshares vs Hope Bancorp

Comparison Snapshot

Investment Analysis

TriCo Bancshares

Pros

Considerations

Hope Bancorp

Pros

Considerations

About The Companies

Buy TCBK or HOPE in Nemo

Zero Commission

Trusted & Regulated

6% Interest on Cash

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Frequently asked questions

Comparison Snapshot

About The Companies

TriCo Bancshares vs Hope Bancorp

Comparison Snapshot

Investment Analysis

TriCo Bancshares

Pros

Considerations

Hope Bancorp

Pros

Considerations

About The Companies

Buy TCBK or HOPE in Nemo

Zero Commission

Trusted & Regulated

6% Interest on Cash

Discover More Comparisons

TriCo Bancshares vs National Bank Holdings

TriCo Bancshares vs Bladex

TriCo Bancshares vs Live Oak

Frequently asked questions

What do net income growth and stability tell us about a bank's core profitability?

How should you interpret a bank’s net interest margin (NIM) trend?

What does loan growth indicate about a bank’s revenue potential?

How should price‑to‑earnings (P/E) ratio be used when comparing these stocks?

What should be considered about valuation in relation to historical averages?

Why might volatility matter when analysing these banks?

What role does the regional banking context play in these comparisons?

How does company size and market presence relate to investment considerations?

What numbers should a reader routinely examine when evaluating these stocks?

How should you use this comparison page to form a neutral view?

Educational disclaimer

Comparison Snapshot

About The Companies