East West Bancorp, Inc. (EWBC) Earnings
East West Bancorp, Inc. is expected to report next earnings on July 21, 2026 (in NaN days), with a consensus EPS estimate of $2.61. EWBC has beaten EPS estimates in 9 of its last 12 reported quarters (average surprise +4.6% over the last four).
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 21, 2026 | $2.46 | $2.57 | +4.5% | $774M | +2.9% |
| Jan 22, 2026 | $2.48 | $2.52 | +1.6% | $758M | +1.5% |
| Oct 21, 2025 | $2.36 | $2.62 | +11.0% | $803M | +10.8% |
| Jul 22, 2025 | $2.25 | $2.28 | +1.3% | $703M | +0.0% |
| Apr 22, 2025 | $2.05 | $2.09 | +2.0% | $683M | +1.7% |
| Jan 23, 2025 | $2.12 | $2.08 | -1.9% | $663M | +0.7% |
| Oct 22, 2024 | $2.06 | $2.09 | +1.5% | $645M | +0.5% |
| Jul 23, 2024 | $1.98 | $2.07 | +4.5% | $626M | -0.9% |
| Jan 23, 2024 | $1.90 | $2.04 | +7.4% | $643M | +11.6% |
| Oct 19, 2023 | $2.02 | $2.02 | +0.0% | $636M | +9.1% |
| Jul 20, 2023 | $2.22 | $2.20 | -0.9% | $635M | +5.9% |
| Apr 20, 2023 | $2.20 | $2.32 | +5.5% | $650M | +8.0% |
Source: company filings + earnings calendar. For informational purposes only — not investment advice.
Earnings call summary
Q1 FY2026 · April 21, 2026
AI summary of management’s prepared remarks and analyst Q&A. For informational purposes only — not investment advice.
Management highlights
- Deposits: Consumer and commercial depositors' trust helped grow total deposits 9% year-over-year, with strong growth in non-interest-bearing deposits driven by focus on retail and small business customers. - Loans: CNI loans were the primary driver of Q1 growth, with net line draws from existing customers. Residential mortgage had a seasonally slower Q1 but pipelines grew. Commercial real estate balances also grew. - Fee income: Record quarter with 12% year-over-year growth, strong momentum in wealth management due to structured notes and annuity sales, and focus on diversifying fee revenues. - Credit performance: Asset quality metrics stable, net charge-offs and non-performing assets low in absolute terms, reflecting disciplined risk management. - Capital position: Tangible capital ratio of 10.3%, maintaining capital level while growing balance sheet, increasing dividend, and opportunistically repurchasing shares.
Guidance
- Updated full year 2026 net income guidance to grow between 6% to 8%, up from prior 5% to 7% expectation. - Projected full year net charge-offs to fall between 15 and 25 basis points. - Reiterated full year loan growth guidance in the range of 5% to 7%.
Segment performance
Loans: Achieved 7% year-over-year growth, with CNI loans increasing by over $900 million quarter over quarter, driven by higher line utilization, particularly among capital call borrowers. Deposits: Total deposits grew 9% year-over-year, with end-of-period deposits up $1.8 billion quarter over quarter and average GBA growth up 12% year over year, and non-interest-bearing deposits up nearly $800 million. Fee income: Grew 12% year-over-year to a record $99 million for the quarter, with significant growth in wealth management fees driven by structured notes and annuity sales.
Risks & headwinds
- Management statements on forward-looking statements may differ materially from actual results due to a number of risks and uncertainties. - Impact of Fed's capital proposals on risk-weighted assets and subsequent effect on capital ratios. - Competitive deposit pricing environment which may affect deposit costs. - Slight increase in residential non-performers with no systemic stress but need for customer-by-customer and loan-by-loan monitoring.
Analyst Q&A
Q: Given the capital proposals put out by the Fed last month, quantify the impact on capital ratios.
A: Risk-weighted asset adjustment from the proposal is roughly a $7 billion reduction in current risk-weighted assets, which would translate to a 1.6 to 1.8% increase in regulatory capital ratios.
Q: On private capital call line lending, confirm if drawdowns were stressed and why C&I growth not more diversified.
A: Drawdowns in quarter were not for stressed purposes, and there were green shoots in various industries with over $300 million of non-capital call line activity showing positive momentum.
Q: Update on deposit growth competitive environment and DDA trends.
A: DDA growth is result of long-term strategy, deposit landscape is competitive, and positive pricing pressure due to rate outlook.
Q: Trend of deposit pricing costs in flat environment.
A: Deposit pricing downhill phase has flattened, and incremental new CDs may not reprice with much benefit.
Q: Reason for credit guidance tweak.
A: It's based on current view of the portfolio regarding net charge-offs.
Q: Update on blockchain or stable coins for international business.
A: Monitoring crypto and stablecoin developments, exploring projects but not yet rolled out products.
Q: Deposit growth vs loan growth relationship.
A: Continues to be deposit-led growth, with deposits helping drive better funding mix, liquidity profile, etc.
Q: Loan growth in coming quarter and seasonality of commercial business lines.
A: Some capital call lines paid down in Q2, but private equity and mortgage private capital activity may offset, and no significant seasonality in other commercial business areas.
Q: ACL build status and expectation.
A: ACL built with multi-scenario model, downside scenario changed substantially from year end, and feel good about current allowance level based on charge-off visibility.