(EWBC) East West Bancorp - Ratings and Ratios
Deposits, Loans, Trade Finance, Treasury, Wealth
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 2.47% |
| Yield on Cost 5y | 4.31% |
| Yield CAGR 5y | 16.12% |
| Payout Consistency | 94.6% |
| Payout Ratio | 26.5% |
| Risk via 5d forecast | |
|---|---|
| Volatility | 31.8% |
| Value at Risk 5%th | 48.9% |
| Relative Tail Risk | -6.42% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.34 |
| Alpha | -6.30 |
| CAGR/Max DD | 0.36 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.502 |
| Beta | 1.221 |
| Beta Downside | 1.536 |
| Drawdowns 3y | |
|---|---|
| Max DD | 47.74% |
| Mean DD | 13.46% |
| Median DD | 8.73% |
Description: EWBC East West Bancorp January 03, 2026
East West Bancorp Inc. (NASDAQ: EWBC) is the holding company for East West Bank, a U.S.-based institution that serves both retail and commercial clients through three operating segments: Consumer & Business Banking, Commercial Banking, and “Other” services such as wealth management and treasury solutions.
Its product suite includes a full range of deposit accounts (checking, savings, money-market, and time deposits) and loan offerings that span residential mortgages, home-equity lines, commercial real-estate financing, construction loans, trade finance, letters of credit, asset-based and equipment lending, as well as syndicated loan participation. The bank also provides foreign-exchange, interest-rate and commodity-risk hedging, and digital banking platforms to facilitate cross-border transactions between the United States and Asia.
From the most recent quarterly filing (Q3 2024), EWBC reported a net interest margin of roughly 3.3 % and a loan-to-deposit ratio of 78 %, indicating a balanced funding profile. Loan growth accelerated to about 6 % YoY, driven largely by commercial-real-estate and trade-finance exposure, while deposits rose ≈ 5 % YoY, reflecting continued client demand for cash-management services. The bank’s total assets now sit near $50 billion, and its earnings are sensitive to two macro-drivers: (1) the Federal Reserve’s policy rate trajectory, which directly impacts NIM, and (2) the health of U.S.–China trade flows, a key source of fee income for its cross-border business.
Given the regional-bank environment-where higher rates boost net interest income but also raise credit-risk concerns-EWBC’s diversified loan mix and strong Asian trade ties position it to capture upside from a resilient export sector while remaining vulnerable to a potential slowdown in Chinese commercial activity.
For a deeper dive into EWBC’s valuation metrics and scenario analysis, see the ValueRay platform.
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income: 1.33b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -0.34 > 1.0 |
| NWC/Revenue: -1050 % < 20% (prev -1441 %; Δ 391.3% < -1%) |
| CFO/TA 0.02 > 3% & CFO 1.29b > Net Income 1.33b |
| Net Debt (-4.20b) to EBITDA (2.03b): -2.07 < 3 |
| Current Ratio: 0.26 > 1.5 & < 3 |
| Outstanding Shares: last quarter (139.1m) vs 12m ago -0.56% < -2% |
| Gross Margin: 60.10% > 18% (prev 0.48%; Δ 5962 % > 0.5%) |
| Asset Turnover: 5.99% > 50% (prev 5.28%; Δ 0.72% > 0%) |
| Interest Coverage Ratio: 1.01 > 6 (EBITDA TTM 2.03b / Interest Expense TTM 1.74b) |
Altman Z'' -3.54
| A: -0.61 (Total Current Assets 17.42b - Total Current Liabilities 66.65b) / Total Assets 80.43b |
| B: 0.10 (Retained Earnings 8.03b / Total Assets 80.43b) |
| C: 0.02 (EBIT TTM 1.76b / Avg Total Assets 78.21b) |
| D: 0.00 (Book Value of Equity 137.6m / Total Liabilities 71.54b) |
| Altman-Z'' Score: -3.54 = D |
Beneish M
| DSRI: none (Receivables none/none, Revenue 4.69b/4.01b) |
| GMI: 0.80 (GM 60.10% / 47.90%) |
| AQI: 0.84 (AQ_t 0.78 / AQ_t-1 0.93) |
| SGI: 1.17 (Revenue 4.69b / 4.01b) |
| TATA: 0.00 (NI 1.33b - CFO 1.29b) / TA 80.43b) |
| Beneish M-Score: cannot calculate (missing components) |
ValueRay F-Score (Strict, 0-100) 77.05
| 1. Piotroski: 3.50pt |
| 2. FCF Yield: 77.74% |
| 3. FCF Margin: 27.48% |
| 4. Debt/Equity: 0.36 |
| 5. Debt/Ebitda: -2.07 |
| 6. ROIC - WACC: 1.20% |
| 7. RoE: 15.77% |
| 8. Revenue Trend: 75.12% |
| 9. EPS Trend: 65.73% |
What is the price of EWBC shares?
Over the past week, the price has changed by -0.58%, over one month by -4.02%, over three months by +8.99% and over the past year by +9.85%.
Is EWBC a buy, sell or hold?
- Strong Buy: 5
- Buy: 2
- Hold: 5
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the EWBC price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 130.7 | 17.4% |
| Analysts Target Price | 130.7 | 17.4% |
| ValueRay Target Price | 125 | 12.3% |
EWBC Fundamental Data Overview January 24, 2026
P/E Forward = 13.587
P/S = 6.1776
P/B = 1.7826
P/EG = 5.5751
Revenue TTM = 4.69b USD
EBIT TTM = 1.76b USD
EBITDA TTM = 2.03b USD
Long Term Debt = 3.04b USD (from longTermDebt, two quarters ago)
Short Term Debt = 63.3m USD (from shortTermDebt, two quarters ago)
Debt = 3.18b USD (from shortLongTermDebtTotal, two quarters ago)
Net Debt = -4.20b USD (from netDebt column, last quarter)
Enterprise Value = 1.66b USD (15.89b + Debt 3.18b - CCE 17.42b)
Interest Coverage Ratio = 1.01 (Ebit TTM 1.76b / Interest Expense TTM 1.74b)
EV/FCF = 1.29x (Enterprise Value 1.66b / FCF TTM 1.29b)
FCF Yield = 77.74% (FCF TTM 1.29b / Enterprise Value 1.66b)
FCF Margin = 27.48% (FCF TTM 1.29b / Revenue TTM 4.69b)
Net Margin = 28.27% (Net Income TTM 1.33b / Revenue TTM 4.69b)
Gross Margin = 60.10% ((Revenue TTM 4.69b - Cost of Revenue TTM 1.87b) / Revenue TTM)
Gross Margin QoQ = 64.63% (prev 61.10%)
Tobins Q-Ratio = 0.02 (Enterprise Value 1.66b / Total Assets 80.43b)
Interest Expense / Debt = 13.04% (Interest Expense 415.0m / Debt 3.18b)
Taxrate = 23.70% (110.7m / 466.9m)
NOPAT = 1.34b (EBIT 1.76b * (1 - 23.70%))
Current Ratio = 0.26 (Total Current Assets 17.42b / Total Current Liabilities 66.65b)
Debt / Equity = 0.36 (Debt 3.18b / totalStockholderEquity, last quarter 8.90b)
Debt / EBITDA = -2.07 (Net Debt -4.20b / EBITDA 2.03b)
Debt / FCF = -3.26 (Net Debt -4.20b / FCF TTM 1.29b)
Total Stockholder Equity = 8.40b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.69% (Net Income 1.33b / Total Assets 80.43b)
RoE = 15.77% (Net Income TTM 1.33b / Total Stockholder Equity 8.40b)
RoCE = 15.35% (EBIT 1.76b / Capital Employed (Equity 8.40b + L.T.Debt 3.04b))
RoIC = 11.54% (NOPAT 1.34b / Invested Capital 11.61b)
WACC = 10.33% (E(15.89b)/V(19.07b) * Re(10.41%) + D(3.18b)/V(19.07b) * Rd(13.04%) * (1-Tc(0.24)))
Discount Rate = 10.41% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -0.82%
[DCF Debug] Terminal Value 69.52% ; FCFF base≈1.36b ; Y1≈1.33b ; Y5≈1.33b
Fair Price DCF = 148.3 (EV 16.19b - Net Debt -4.20b = Equity 20.40b / Shares 137.6m; r=10.33% [WACC]; 5y FCF grow -3.75% → 2.90% )
EPS Correlation: 65.73 | EPS CAGR: 15.63% | SUE: 4.0 | # QB: 1
Revenue Correlation: 75.12 | Revenue CAGR: 25.07% | SUE: 3.92 | # QB: 4
EPS next Quarter (2026-03-31): EPS=2.45 | Chg30d=+0.018 | Revisions Net=-1 | Analysts=15
EPS next Year (2026-12-31): EPS=10.19 | Chg30d=+0.077 | Revisions Net=+0 | Growth EPS=+7.2% | Growth Revenue=+4.7%
Additional Sources for EWBC Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle