(EWBC) East West Bancorp - Ratings and Ratios
Deposits, Loans, Treasury, Wealth, Fx
EWBC EPS (Earnings per Share)
EWBC Revenue
Description: EWBC East West Bancorp October 30, 2025
East West Bancorp (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. The bank offers a full suite of deposit products (checking, savings, money-market, and time deposits) and a broad array of loan and financing solutions-including mortgages, commercial real-estate, trade finance, and equipment loans-while also providing foreign-exchange, treasury, wealth-management, and digital banking services that facilitate cross-border transactions between the United States and Asia.
Key recent metrics (as of Q3 2024) show a net interest margin of 3.45% (up 5 bps YoY), loan growth of 6.2% driven primarily by commercial real-estate and trade-finance portfolios, and a return on equity (ROE) of 11.8%, which sits above the regional-bank average of ~9.5%. The bank’s loan-to-deposit ratio remains at a conservative 78%, indicating solid liquidity, while its exposure to Asian-origin borrowers accounts for roughly 22% of total loan assets, making it sensitive to U.S.–China trade policy developments.
Sector-wide, regional banks are currently navigating a tightening monetary environment: the Federal Reserve’s policy rate hikes have compressed net interest margins but also elevated demand for higher-yielding loan products. Additionally, the resurgence of U.S.-China economic activity after recent supply-chain disruptions could boost East West Bank’s cross-border trade-finance volumes, a core growth driver for the company.
If you’re looking to deepen your analysis, a quick review of EWBC’s valuation multiples on ValueRay can help you benchmark its pricing against peers and uncover any hidden upside.
EWBC Stock Overview
| Market Cap in USD | 13,977m |
| Sub-Industry | Regional Banks |
| IPO / Inception | 1999-02-08 |
EWBC Stock Ratings
| Growth Rating | 49.5% |
| Fundamental | 72.9% |
| Dividend Rating | 74.8% |
| Return 12m vs S&P 500 | -11.2% |
| Analyst Rating | 4.0 of 5 |
EWBC Dividends
| Dividend Yield 12m | 2.38% |
| Yield on Cost 5y | 5.97% |
| Annual Growth 5y | 18.92% |
| Payout Consistency | 94.4% |
| Payout Ratio | 26.5% |
EWBC Growth Ratios
| Growth Correlation 3m | -26.5% |
| Growth Correlation 12m | 31.6% |
| Growth Correlation 5y | 60% |
| CAGR 5y | 16.86% |
| CAGR/Max DD 3y (Calmar Ratio) | 0.35 |
| CAGR/Mean DD 3y (Pain Ratio) | 1.21 |
| Sharpe Ratio 12m | -0.45 |
| Alpha | -12.33 |
| Beta | 0.928 |
| Volatility | 31.55% |
| Current Volume | 570.8k |
| Average Volume 20d | 666.5k |
| Stop Loss | 97.3 (-3.4%) |
| Signal | 0.85 |
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income (1.26b TTM) > 0 and > 6% of Revenue (6% = 250.7m TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA -0.16pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1543 % (prev -1060 %; Δ -482.8pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 1.44b > Net Income 1.26b (YES >=105%, WARN >=100%) |
| Net Debt (-1.50b) to EBITDA (1.93b) ratio: -0.77 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.07 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (139.1m) change vs 12m ago -0.61% (target <= -2.0% for YES) |
| Gross Margin 52.20% (prev 54.60%; Δ -2.40pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 5.42% (prev 5.91%; Δ -0.49pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.90 (EBITDA TTM 1.93b / Interest Expense TTM 1.80b) >= 6 (WARN >= 3) |
Altman Z'' -4.87
| (A) -0.81 = (Total Current Assets 5.19b - Total Current Liabilities 69.65b) / Total Assets 79.67b |
| (B) 0.09 = Retained Earnings (Balance) 7.31b / Total Assets 79.67b |
| (C) 0.02 = EBIT TTM 1.61b / Avg Total Assets 77.08b |
| (D) 0.00 = Book Value of Equity 137.6m / Total Liabilities 71.09b |
| Total Rating: -4.87 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 72.87
| 1. Piotroski 3.50pt = -1.50 |
| 2. FCF Yield 11.97% = 5.0 |
| 3. FCF Margin 34.53% = 7.50 |
| 4. Debt/Equity 0.38 = 2.43 |
| 5. Debt/Ebitda -0.77 = 2.50 |
| 6. ROIC - WACC (= 1.41)% = 1.76 |
| 7. RoE 15.56% = 1.30 |
| 8. Rev. Trend 42.97% = 3.22 |
| 9. EPS Trend 13.10% = 0.66 |
What is the price of EWBC shares?
Over the past week, the price has changed by +1.46%, over one month by -5.73%, over three months by +2.04% and over the past year by +5.61%.
Is East West Bancorp a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of EWBC is around 99.37 USD . This means that EWBC is currently overvalued and has a potential downside of -1.31%.
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 | 125.2 | 24.3% |
| Analysts Target Price | 125.2 | 24.3% |
| ValueRay Target Price | 112 | 11.2% |
EWBC Fundamental Data Overview November 04, 2025
P/E Trailing = 11.2018
P/E Forward = 12.7226
P/S = 5.4335
P/B = 1.7688
P/EG = 5.5751
Beta = 0.928
Revenue TTM = 4.18b USD
EBIT TTM = 1.61b USD
EBITDA TTM = 1.93b USD
Long Term Debt = 3.54b USD (from longTermDebt, last fiscal year)
Short Term Debt = 3.06b USD (from shortTermDebt, last quarter)
Debt = 3.27b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -1.50b USD (from netDebt column, last quarter)
Enterprise Value = 12.06b USD (13.98b + Debt 3.27b - CCE 5.19b)
Interest Coverage Ratio = 0.90 (Ebit TTM 1.61b / Interest Expense TTM 1.80b)
FCF Yield = 11.97% (FCF TTM 1.44b / Enterprise Value 12.06b)
FCF Margin = 34.53% (FCF TTM 1.44b / Revenue TTM 4.18b)
Net Margin = 30.20% (Net Income TTM 1.26b / Revenue TTM 4.18b)
Gross Margin = 52.20% ((Revenue TTM 4.18b - Cost of Revenue TTM 2.00b) / Revenue TTM)
Gross Margin QoQ = 61.10% (prev 57.48%)
Tobins Q-Ratio = 0.15 (Enterprise Value 12.06b / Total Assets 79.67b)
Interest Expense / Debt = 13.84% (Interest Expense 452.2m / Debt 3.27b)
Taxrate = 20.80% (96.7m / 465.1m)
NOPAT = 1.28b (EBIT 1.61b * (1 - 20.80%))
Current Ratio = 0.07 (Total Current Assets 5.19b / Total Current Liabilities 69.65b)
Debt / Equity = 0.38 (Debt 3.27b / totalStockholderEquity, last quarter 8.58b)
Debt / EBITDA = -0.77 (Net Debt -1.50b / EBITDA 1.93b)
Debt / FCF = -1.04 (Net Debt -1.50b / FCF TTM 1.44b)
Total Stockholder Equity = 8.11b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.58% (Net Income 1.26b / Total Assets 79.67b)
RoE = 15.56% (Net Income TTM 1.26b / Total Stockholder Equity 8.11b)
RoCE = 13.86% (EBIT 1.61b / Capital Employed (Equity 8.11b + L.T.Debt 3.54b))
RoIC = 11.13% (NOPAT 1.28b / Invested Capital 11.49b)
WACC = 9.72% (E(13.98b)/V(17.24b) * Re(9.43%) + D(3.27b)/V(17.24b) * Rd(13.84%) * (1-Tc(0.21)))
Discount Rate = 9.43% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -0.82%
[DCF Debug] Terminal Value 73.11% ; FCFE base≈1.45b ; Y1≈1.43b ; Y5≈1.47b
Fair Price DCF = 149.4 (DCF Value 20.55b / Shares Outstanding 137.6m; 5y FCF grow -2.42% → 3.0% )
EPS Correlation: 13.10 | EPS CAGR: 3.71% | SUE: 4.0 | # QB: 1
Revenue Correlation: 42.97 | Revenue CAGR: 16.86% | SUE: 1.17 | # QB: 3
Additional Sources for EWBC Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle