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EWBC

East West Bancorp, Inc.

EWBC

East West Bancorp, Inc. • NASDAQ
$106.70 ▲ 0.09% (+0.10)
Market Cap $14.68 B
52w High $110.80
52w Low $68.27
Dividend Yield 2.40%
P/E 11.76
Volume 162.25K
Outstanding Shares 137.59M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $1.255B ▲ $301.661M ▲ $368.394M ▲ 29.354% ▲ $2.68 ▲ $595.902M ▲
Q2-2025 $1.145B ▲ $256.02M ▲ $310.253M ▲ 27.092% ▲ $2.25 ▲ $483.57M ▲
Q1-2025 $1.115B ▼ $243.106M ▲ $290.27M ▼ 26.036% ▲ $2.1 ▼ $440.595M ▲
Q4-2024 $1.135B ▼ $237.675M ▲ $293.115M ▼ 25.822% ▼ $2.11 ▼ $414.535M ▼
Q3-2024 $1.148B $213.937M $299.166M 26.05% $2.15 $428.681M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $5.27B ▲ $79.67B ▲ $71.087B ▲ $8.583B ▲
Q2-2025 $4.856B ▲ $78.158B ▲ $69.956B ▲ $8.202B ▲
Q1-2025 $3.981B ▼ $76.165B ▲ $68.236B ▼ $7.929B ▲
Q4-2024 $5.479B ▼ $75.976B ▲ $68.253B ▲ $7.723B ▲
Q3-2024 $15.11B $74.484B $66.819B $7.665B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $368.394M ▲ $231.738M ▼ $-951.749M ▼ $1.023B ▼ $284.253M ▼ $231.738M ▼
Q2-2025 $310.253M ▲ $278.668M ▲ $-934.213M ▲ $1.615B ▲ $961.657M ▲ $278.668M ▲
Q1-2025 $290.27M ▼ $277.886M ▼ $-2.035B ▼ $-45.677M ▼ $-1.802B ▼ $277.886M ▼
Q4-2024 $293.115M ▼ $500.133M ▲ $-1.516B ▼ $1.421B ▼ $390.669M ▼ $500.133M ▲
Q3-2024 $299.166M $386.123M $-1.495B $1.593B $494.382M $386.123M

Revenue by Products

Product Q3-2020Q1-2025Q2-2025Q3-2025
Commercial Banking
Commercial Banking
 $0 ▲$310.00M ▲$300.00M ▼$320.00M ▲
Consumer and Business Banking
Consumer and Business Banking
 $10.00M ▲$300.00M ▲$300.00M ▲$310.00M ▲
Treasury And Other
Treasury And Other
 $0 ▲$80.00M ▲$100.00M ▲$150.00M ▲
Other Segments
Other Segments
 $0 ▲$0 ▲$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement East West Bancorp’s income statement shows a bank that has grown meaningfully over the last several years while keeping profitability strong. Revenue has climbed steadily, and earnings have expanded faster than revenue over the full period, which points to good cost control and solid loan economics. However, over the most recent couple of years, earnings growth has flattened even as revenue continued to rise, suggesting rising funding costs, credit provisions, or operating investments are starting to offset some of the benefit from higher interest rates. Overall, this is a high-earning bank by industry standards, but with growth momentum that looks slower more recently than in the early part of the period.

Balance Sheet

Balance Sheet The balance sheet has expanded at a healthy pace, with total assets and cash both moving up over time, which is consistent with a growing regional bank. Equity has risen steadily, showing that the bank is retaining a meaningful portion of its profits and building a thicker capital cushion. Borrowings jumped at one point and then eased back, suggesting the bank tapped outside funding more heavily during a period of stress and later normalized its position. In broad terms, the profile is that of a well-capitalized lender that has grown in size while maintaining a generally conservative capital base, though its funding mix is something to keep an eye on.

Cash Flow

Cash Flow Cash generation from the core banking business has been consistently positive, with operating cash flow comfortably covering the bank’s modest investment needs. Because traditional capital spending is low for a bank, free cash flow closely tracks operating cash flow, indicating that most cash generated can be directed to loan growth, capital build, or shareholder returns. There is some year‑to‑year variation, which is normal for a bank as loan and deposit flows move, but the overall pattern is of a franchise that reliably produces cash through the cycle. This underpins flexibility in managing growth, dividends, and resilience in tougher periods.

Competitive Edge

Competitive Edge East West Bancorp occupies a distinct niche as a specialist in cross‑border banking between the U.S. and Greater China, rather than trying to be a generic national bank. Its long history in this corridor, bilingual staff, and presence in both regions give it a relationship and knowledge advantage that is difficult for mainstream banks to replicate. The focus on trade finance, foreign exchange, and cross‑border wealth management deepens ties with customers who have complex international needs, especially within the Asian American business community. This specialization provides a meaningful competitive moat, but it also concentrates the franchise in a specific geography and client base, which brings its own set of geopolitical and regulatory sensitivities.

Innovation and R&D

Innovation and R&D Innovation at East West Bancorp is less about laboratories and more about applying technology and partnerships to its cross‑border strengths. The bank has built tiered digital platforms for business customers, supports remote and integrated cash management, and has invested in a global digital banking service that helps international clients access U.S. accounts. Its partnership with a major payments processor expands modern payment tools—such as advanced terminals and e‑commerce capabilities—without requiring the bank to build everything itself. Looking ahead, the main watchpoints are how effectively it digitizes trade finance, enhances cross‑border wealth tools, and selectively adds fintech partners to deepen its niche rather than dilute it.

Summary

Taken together, East West Bancorp looks like a strongly profitable, steadily growing regional bank with a clear specialty: serving clients who operate between the U.S. and Asia. Financially, earnings and capital have built up over time, and cash generation has been solid, though recent earnings growth has moderated as the interest‑rate environment and funding costs have shifted. Strategically, its cross‑border focus, trade finance expertise, and digital initiatives create a differentiated franchise rather than a commodity lender. The main opportunities lie in further scaling its digital and payments capabilities within its niche, while key risks center on credit quality in a slower economy, funding competition in the banking system, and geopolitical or regulatory tensions affecting U.S.–China financial flows.

NEWS

October 21, 2025 · 4:05 PM UTC

East West Bancorp Reports Record Quarterly Net Income of $368 Million and Diluted Earnings Per Share of $2.65; Record Fees, Loans, and Deposits

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