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

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For the quarter ended September 2025, East West Bancorp (EWBC - Free Report) reported revenue of $778.05 million, up 18.3% over the same period last year. EPS came in at $2.62, compared to $2.09 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $723.78 million, representing a surprise of +7.5%. The company delivered an EPS surprise of +11.49%, with the consensus EPS estimate being $2.35.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how East West Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Annualized quarterly net charge-offs to average loans HFI: 0.1% versus the five-analyst average estimate of 0.2%.
  • Net interest margin: 3.5% versus the five-analyst average estimate of 3.4%.
  • Efficiency ratio: 35.6% versus the four-analyst average estimate of 36%.
  • Leverage ratio: 10.7% versus 10.7% estimated by four analysts on average.
  • Total capital ratio: 16.2% versus the three-analyst average estimate of 15.8%.
  • Average Balance - Total interest-earning assets: $76.21 billion versus $75.34 billion estimated by three analysts on average.
  • Adjusted efficiency ratio: 33.8% compared to the 34.3% average estimate based on three analysts.
  • Tier 1 capital ratio: 14.8% versus the three-analyst average estimate of 14.6%.
  • Total nonaccrual loans: $156.93 million compared to the $159.75 million average estimate based on two analysts.
  • Total nonperforming assets: $200.74 million compared to the $197.96 million average estimate based on two analysts.
  • Total Noninterest Income: $100.52 million versus the five-analyst average estimate of $90.04 million.
  • Net Interest Income: $677.53 million versus the five-analyst average estimate of $633.62 million.

View all Key Company Metrics for East West Bancorp here>>>

Shares of East West Bancorp have returned -7.9% over the past month versus the Zacks S&P 500 composite's +1.2% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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