Compared to Estimates, East West Bancorp (EWBC) Q4 Earnings: A Look at Key Metrics

By Zacks Equity Research | January 22, 2026, 8:00 PM

For the quarter ended December 2025, East West Bancorp (EWBC) reported revenue of $758.25 million, up 12.2% over the same period last year. EPS came in at $2.52, compared to $2.08 in the year-ago quarter.

The reported revenue represents a surprise of +1.32% over the Zacks Consensus Estimate of $748.39 million. With the consensus EPS estimate being $2.48, the EPS surprise was +1.61%.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

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:
  • Net interest margin: 3.4% compared to the 3.4% average estimate based on five analysts.
  • Annualized quarterly net charge-offs to average loans HFI: 0.1% versus the five-analyst average estimate of 0.2%.
  • Efficiency ratio: 34.5% versus the four-analyst average estimate of 35.2%.
  • Leverage ratio: 11% versus the three-analyst average estimate of 10.9%.
  • Average Balance - Total interest-earning assets: $76.64 billion compared to the $77.12 billion average estimate based on three analysts.
  • Total nonaccrual loans: $165.84 million versus the two-analyst average estimate of $158.73 million.
  • Total nonperforming assets: $208 million compared to the $192.73 million average estimate based on two analysts.
  • Adjusted efficiency ratio: 35.2% versus 34.2% estimated by two analysts on average.
  • Total capital ratio: 16.4% versus the two-analyst average estimate of 16.2%.
  • Tier 1 capital ratio: 15.1% versus the two-analyst average estimate of 15%.
  • Total Noninterest Income: $100.43 million versus $92.19 million estimated by five analysts on average.
  • Net Interest Income: $657.82 million versus the five-analyst average estimate of $655.63 million.

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

Shares of East West Bancorp have returned +0.1% over the past month versus the Zacks S&P 500 composite's +0.7% 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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This article originally published on Zacks Investment Research (zacks.com).

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