(EWBC) East West Bancorp - Ratings and Ratios
Deposits, Loans, Treasury, Wealth, Fx
EPS (Earnings per Share)
Revenue
| Risk via 10d forecast | |
|---|---|
| Volatility | 30.7% |
| Value at Risk 5%th | 47.9% |
| Relative Tail Risk | -5.10% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.08 |
| Alpha | -15.44 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.426 |
| Beta | 1.238 |
| Beta Downside | 1.528 |
| Drawdowns 3y | |
|---|---|
| Max DD | 47.74% |
| Mean DD | 13.64% |
| Median DD | 8.80% |
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 | 13,716m |
| Sub-Industry | Regional Banks |
| IPO / Inception | 1999-02-08 |
| Return 12m vs S&P 500 | -11.4% |
| Analyst Rating | 4.0 of 5 |
EWBC Dividends
| Metric | Value |
|---|---|
| Dividend Yield | 2.35% |
| Yield on Cost 5y | 6.15% |
| Yield CAGR 5y | 18.92% |
| Payout Consistency | 94.4% |
| Payout Ratio | 26.5% |
EWBC Growth Ratios
| Metric | Value |
|---|---|
| CAGR 3y | 17.37% |
| CAGR/Max DD Calmar Ratio | 0.36 |
| CAGR/Mean DD Pain Ratio | 1.27 |
| Current Volume | 398.1k |
| Average Volume | 617.6k |
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 -0.36pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1469 % (prev -1060 %; Δ -409.1pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 1.29b > Net Income 1.26b (YES >=105%, WARN >=100%) |
| Net Debt (-1.58b) to EBITDA (1.93b) ratio: -0.82 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.08 (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'' -4.47
| (A) -0.77 = (Total Current Assets 5.27b - Total Current Liabilities 66.65b) / Total Assets 79.67b |
| (B) 0.10 = Retained Earnings (Balance) 8.03b / Total Assets 79.67b |
| (C) 0.02 = EBIT TTM 1.61b / Avg Total Assets 77.08b |
| (D) 0.11 = Book Value of Equity 7.65b / Total Liabilities 71.09b |
| Total Rating: -4.47 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 71.60
| 1. Piotroski 3.50pt = -1.50 |
| 2. FCF Yield 11.08% = 5.0 |
| 3. FCF Margin 30.83% = 7.50 |
| 4. Debt/Equity 0.37 = 2.43 |
| 5. Debt/Ebitda -0.82 = 2.50 |
| 6. ROIC - WACC (= 0.39)% = 0.49 |
| 7. RoE 15.56% = 1.30 |
| 8. Rev. Trend 42.97% = 3.22 |
| 9. EPS Trend 13.23% = 0.66 |
What is the price of EWBC shares?
Over the past week, the price has changed by -2.86%, over one month by +4.70%, over three months by +1.70% and over the past year by +0.65%.
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 | 22.3% |
| Analysts Target Price | 125.2 | 22.3% |
| ValueRay Target Price | 113.7 | 11.1% |
EWBC Fundamental Data Overview November 18, 2025
P/E Trailing = 10.9724
P/E Forward = 12.1212
P/S = 5.3321
P/B = 1.6485
P/EG = 5.5751
Beta = 0.915
Revenue TTM = 4.18b USD
EBIT TTM = 1.61b USD
EBITDA TTM = 1.93b USD
Long Term Debt = 3.04b USD (from longTermDebt, last quarter)
Short Term Debt = 63.3m USD (from shortTermDebt, last quarter)
Debt = 3.18b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -1.58b USD (from netDebt column, last quarter)
Enterprise Value = 11.63b USD (13.72b + Debt 3.18b - CCE 5.27b)
Interest Coverage Ratio = 0.90 (Ebit TTM 1.61b / Interest Expense TTM 1.80b)
FCF Yield = 11.08% (FCF TTM 1.29b / Enterprise Value 11.63b)
FCF Margin = 30.83% (FCF TTM 1.29b / 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 11.63b / Total Assets 79.67b)
Interest Expense / Debt = 14.21% (Interest Expense 452.2m / Debt 3.18b)
Taxrate = 20.80% (96.7m / 465.1m)
NOPAT = 1.28b (EBIT 1.61b * (1 - 20.80%))
Current Ratio = 0.08 (Total Current Assets 5.27b / Total Current Liabilities 66.65b)
Debt / Equity = 0.37 (Debt 3.18b / totalStockholderEquity, last quarter 8.58b)
Debt / EBITDA = -0.82 (Net Debt -1.58b / EBITDA 1.93b)
Debt / FCF = -1.23 (Net Debt -1.58b / FCF TTM 1.29b)
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 = 14.48% (EBIT 1.61b / Capital Employed (Equity 8.11b + L.T.Debt 3.04b))
RoIC = 11.10% (NOPAT 1.28b / Invested Capital 11.52b)
WACC = 10.71% (E(13.72b)/V(16.90b) * Re(10.58%) + D(3.18b)/V(16.90b) * Rd(14.21%) * (1-Tc(0.21)))
Discount Rate = 10.58% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -0.82%
[DCF Debug] Terminal Value 69.05% ; FCFE base≈1.36b ; Y1≈1.33b ; Y5≈1.33b
Fair Price DCF = 115.3 (DCF Value 15.87b / Shares Outstanding 137.6m; 5y FCF grow -3.75% → 3.0% )
EPS Correlation: 13.23 | 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