📈 Price History

Ratio Health

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By Category

📊 Sector Averages

About

East West Bancorp, Inc. operates as the bank holding company for East West Bank that provides a range of personal and commercial banking services to businesses and individuals in the United States. The company operates through three segments: Consumer and Business Banking, Commercial Banking, and Treasury and Other. It accepts various deposit products, such as personal and business checking and savings accounts, money market, and time deposits. The company provides various loan products, such as mortgage and home equity, commercial and residential real estate, construction finance, commercial business lending, working capital lines of credit, trade finance, letters of credit, affordable housing lending, asset-based lending, asset-backed finance, project finance, equipment financing, loan syndication, and equipment loans, as well as financing services for clients to facilitate their business transactions between the United States and Asia. It also provides foreign exchange, treasury management, wealth management, and interest rate and commodity risk hedging services; and mobile, and online banking services. The company was founded in 1973 and is headquartered in Pasadena, California.

Key Ratios Snapshot

📈 Growth Pattern

⚡ Latest Quarter —

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📊 Quick Scorecard

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⭐ Superinvestors Holding EWBC

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Manager	Shares	Value	% of Fund	Period
Li Lu Himalaya Capital Management	2.78M	$296.4M	9.26%	Mar 2026
Jim Simons Renaissance Technologies LLC	263.3K	$28.1M	0.04%	Mar 2026

SEC Form 13F data. 45-day lag from quarter end.

🔍 Concall Decoded

🎙 Management Tone Tracker Confident Specific → Stable 4 quarters analysed

Q2 2025

Confident Specific

Management uses language like 'pleased to report strong results', 'record quarterly revenue and net interest income', 'solid', 'resilient', and 'operating from a position of strength'. They cite specific metrics: 16.7% adjusted ROTCE, 1.6% ROA, 2% loan/deposit growth, and a 67 bps reduction in deposit costs. The tone is assured and data-driven.

Q3 2025

Confident Specific

Management repeatedly used terms like 'record-breaking', 'all-time quarterly record', 'proud to report', and gave concrete numbers such as 10% tangible common equity, 25% DDA growth share, and 0.62 down-cycle beta, demonstrating strong command of details.

Q4 2025

Confident Specific

Management repeatedly used terms like 'record-breaking year,' 'record levels,' and 'industry-leading efficiency,' and provided specific numerical guidance for 2026 (e.g., 5%-7% loan growth, 5%-7% NII growth).

Q1 2026 latest

Confident Specific

Management used repeated positive and specific language: 'pleased to report another record quarter', 'strong momentum', 'comfortable reiterating our guidance', and gave precise figures for loan growth, fee income, and deposit growth. The tone was assured and detailed, with no hesitation.

Guidance Reliability Pending · <3Q data

Investor Lens

The investment thesis appears stronger after this call. East West delivered record loan and deposit growth, strong fee income momentum, and raised NII guidance, all while maintaining best-in-class capital ratios and stable credit. The key change is the upward revision to NII guidance on a higher-for-longer rate outlook. However, management acknowledged that deposit pricing pressure is building and the ability to further reduce deposit costs is limited. Investors should watch whether loan growth can sustain at the guided 5%-7% given capital call line paydowns in Q2, and whether fee income growth of 12% can persist. Expense growth of 7%-9% is steady but may pressure efficiency if revenue growth slows. Overall, the record quarter and raised guide support a positive view, but deposit cost dynamics and loan mix shifts deserve close monitoring next quarter.

AI-generated concall tone analysis · Updated 2026-06-08 · Not investment advice

🎙 Management Tone Confident Specific → Stable 4 quarters Full tone analysis in Intelligence →

📊 MIXED Record deposits, loans, fee income; NII guidance raised to 6-8% growth.

Revenue & Profitability

Net interest income was $671 million for Q1 2026. Fee income was a record $99 million, up 12% year-over-year. Total operating non-interest expense was $258 million, resulting in an efficiency ratio of 36.2%. The provision for credit losses was $36 million. Net charge-offs were 9 basis points. The company updated full-year 2026 NII guidance to 6%-8% growth.

Outlook

Management expects a competitive deposit pricing environment with no rate cuts now modeled. They raised NII guidance due to higher-for-longer rates. Loan growth guidance of 5%-7% is reiterated, with C&I and capital call lines as key drivers. Credit performance is expected to be stable, with net charge-offs guided to 15–25 basis points for 2026.

Growth Drivers

Key growth levers include C&I loan growth (driven by capital call lines for M&A and real estate acquisitions), residential mortgage pipelines growing into Q2, and strong deposit growth (especially non-interest-bearing DDA). Wealth management fee income is expected to grow double-digit year-over-year, supported by structured notes, annuities, and new hires.

Balance Sheet & CapEx

Not discussed as a separate CapEx figure. However, management noted ongoing investments in cyber defense, monitoring tools, and daily operating capabilities to enhance resilience. These investments are not regulatory-driven but are part of the 7%-9% expense growth guidance.

Margins

The efficiency ratio was 36.2% in Q1. Net interest margin is expected to be flat to positive going forward, as higher loan yields offset increasing deposit pricing pressure. Net interest income is guided to grow 6%-8% for full year 2026.

Key Risks

Key risks include continued deposit pricing pressure in a flat-rate environment, potential macroeconomic volatility (e.g., tariffs), and geopolitical uncertainty affecting customer behavior. Credit risk is managed with low charge-offs, but residential non-performers increased slightly, though management sees no systemic issue. The bank faces competition for deposits and loans.

Generated by AI · Q1 2026 results · Not investment advice

✓ 📞 Earnings Call Transcripts (5 quarters) submit a missing quarter

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📞 Earnings Call Transcripts (5)

Q2 2026 Q2 2026 2026-07-21

Record revenue, NII, and non-interest income were achieved, with strong loan and deposit growth and stable credit quality. Guidance was raised for loan and NII growth, while expense growth guidance was narrowed. Capital and liquidity remain robust, supporting continued investment and shareholder returns.

Q1 2026 Q1 2026 2026-04-21

Record quarterly growth in loans, deposits, and fee income, with strong capital and asset quality. Raised full-year income guidance to 6%-8% and maintained 5%-7% loan growth outlook, while navigating a competitive deposit environment and stable credit performance.

Q4 2025 Q4 2025 2026-01-22

Record 2025 results included 6% loan and deposit growth, 12% fee income growth, and a 17% increase in tangible book value per share. 2026 guidance calls for 5%-7% loan and NII growth, double-digit fee income growth, and continued investment in technology and talent.

Q3 2025 Q3 2025 2025-10-21

Record Q3 results driven by strong deposit and loan growth, with fee income and wealth management showing robust expansion. Asset quality remains strong, capital ratios are high, and full-year NII and revenue are expected to exceed 10% growth.

Q2 2025 Q2 2025 2025-07-22

Record Q2 revenue and net interest income were driven by balanced loan and deposit growth, strong fee income, and resilient asset quality. Full-year loan growth is expected at 4%-6%, with net interest income and revenue trending above 7%.

📊 Analysis Methodology

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Investment Risk:
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