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East West Bancorp (EWBC)
NASDAQ:EWBC
Earnings Data
Report Date
Apr 21, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
2.45Last Year’s EPS
2.08Same Quarter Last Year
Moderate Buy
Based on 12 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The earnings call conveyed a largely positive operational and financial performance: the company reported record results across revenue, NII, fees, loans, and deposits, maintained strong capital ratios, raised the dividend by 33%, and emphasized disciplined growth and investment. Offsetting items include a conservative outlook on loan growth, an elevated allowance and higher net charge-off guidance for 2026 (20–30 bps versus 11 bps in 2025), expense growth of 7%–9% next year, and some compression in lending spreads. Overall, the strong record results, capital position, and fee momentum materially outweigh the manageable near-term headwinds and conservative guidance.Company Guidance
Record Financial Results for 2025
East West Bancorp reported record levels in multiple categories for full-year 2025 including revenue, net interest income, fees, non-interest income, earnings per share, loans, and deposits. Tangible book value per share grew 17% and return on tangible common equity was 17% for 2025.
Deposit and Loan Growth
End-of-period deposits grew 6% year-over-year and end-of-period loans grew 6% year-over-year. Total average loans increased 4% for the year. Management expects loan growth of 5%–7% in 2026 driven by C&I and residential mortgage.
Strong Fee Income Expansion
Fee income reached a full-year record in 2025 and grew 12% year-over-year. Management reiterated an aspiration to continue double-digit fee growth and to grow fee income faster than overall balance sheet growth.
Net Interest Income and Deposit Cost Improvement
Fourth quarter net interest income was $658 million. Period-end cost of deposits fell by 23 basis points quarter-over-quarter; interest-bearing deposit costs have been lowered by 105 basis points since the start of the cutting cycle. Management reported a down-cycle deposit beta of 0.6 while growing total deposits by nearly $4 billion over the year.
Asset Quality Remains Healthy
Net charge-offs were low: 8 basis points ($12 million) in Q4 and 11 basis points ($60 million) for the full year 2025. Non-performing assets were stable at 26 basis points of total assets and criticized loans declined to 2.01% from 2.14% quarter-over-quarter.
Conservative and Strong Capital Position
Regulatory capital ratios remain well above requirements: Common Equity Tier 1 at 15.1% and tangible common equity at 10.5%. The Board approved a 33% increase in the quarterly dividend (up $0.20 to $0.80 per share). Management emphasized opportunistic buybacks and disciplined capital management.
Efficiency and Strategic Investment
Fourth quarter efficiency ratio was 34.5%. Operating non-interest expense grew 7.5% in 2025 as the bank invested in talent, systems, and technology to support growth. Management expects 2026 operating non-interest expense to grow 7%–9% to support strategic priorities.
Hedge Position Improving
Cash flow hedge headwind narrowed to $2 million in Q4 from much larger levels earlier in 2025 (more than $20 million per quarter previously). Management expects current hedges to be 'in the money' and potentially turn into tailwinds in 2026.
EWBC Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
EWBC Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jan 22, 2026 | $115.30 | $111.35 | -3.43% |
Oct 21, 2025 | $98.23 | $101.76 | +3.59% |
Jul 22, 2025 | $107.66 | $105.11 | -2.37% |
Apr 22, 2025 | $77.72 | $82.86 | +6.61% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does East West Bancorp (EWBC) report earnings?
East West Bancorp (EWBC) is schdueled to report earning on Apr 21, 2026, Before Open (Confirmed).
What is East West Bancorp (EWBC) earnings time?
East West Bancorp (EWBC) earnings time is at Apr 21, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is EWBC EPS forecast?
EWBC EPS forecast for the fiscal quarter 2026 (Q1) is 2.45.