Here's What Key Metrics Tell Us About East West Bancorp (EWBC) Q3 Earnings

Core Insights - East West Bancorp (EWBC) reported revenue of $778.05 million for the quarter ended September 2025, marking an 18.3% increase year-over-year and exceeding the Zacks Consensus Estimate of $723.78 million by 7.5% [1] - The company's EPS for the quarter was $2.62, up from $2.09 in the same quarter last year, and also surpassed the consensus EPS estimate of $2.35 by 11.49% [1] Financial Performance Metrics - Annualized quarterly net charge-offs to average loans HFI were 0.1%, better than the five-analyst average estimate of 0.2% [4] - Net interest margin stood at 3.5%, slightly above the five-analyst average estimate of 3.4% [4] - The efficiency ratio was reported at 35.6%, compared to the four-analyst average estimate of 36% [4] - Leverage ratio was 10.7%, matching the average estimate from four analysts [4] - Total capital ratio was 16.2%, exceeding the three-analyst average estimate of 15.8% [4] - Average balance of total interest-earning assets was $76.21 billion, higher than the $75.34 billion estimated by three analysts [4] - Adjusted efficiency ratio was 33.8%, compared to the 34.3% average estimate based on three analysts [4] - Tier 1 capital ratio was 14.8%, above the three-analyst average estimate of 14.6% [4] - Total nonaccrual loans were $156.93 million, slightly below the $159.75 million average estimate based on two analysts [4] - Total nonperforming assets were $200.74 million, compared to the $197.96 million average estimate based on two analysts [4] - Total noninterest income was $100.52 million, exceeding the five-analyst average estimate of $90.04 million [4] - Net interest income was reported at $677.53 million, surpassing the five-analyst average estimate of $633.62 million [4] Stock Performance - Shares of East West Bancorp have returned -7.9% over the past month, while the Zacks S&P 500 composite has changed by +1.2% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]