The EPS and revenue misses vs consensus, despite record absolute results, are likely to weigh on the stock near-term. Watch the Q4 2026 earnings call for commentary on NIM trajectory and credit costs, as the raised NII guidance and narrowed charge-off range provide a positive counterbalance.
Price Chart
Executive Summary
East West Bancorp reported record Q3 2026 net income of $382M and diluted EPS of $2.76, a 5% sequential increase, on record total revenue of $823M. However, EPS of $2.76 missed the consensus estimate of $2.82 by -2.2%, and revenue of $823M missed the consensus of $836.7M. The company raised its full-year NII growth guidance to 9-10% (from 8-9%) and narrowed its net charge-off range to 15-20bps, but the headline miss vs consensus is the primary market-moving factor.
Key Financial Metrics
Key Facts
- Record Q3 2026 net income of $382M, up 5% QoQ and 4% YoY
- Diluted EPS of $2.76 missed consensus of $2.82 (-2.2%)
- Record total revenue of $823M missed consensus of $836.7M
- Record NII of $719M, up 5% QoQ and 6% YoY; NIM stable at 3.49%
- Raised FY 2026 NII growth guidance to 9-10% YoY (from 8-9%)
- Narrowed FY 2026 net charge-off guidance to 15-20bps (from 15-25bps)
- Provision for credit losses increased to $45M from $33M in Q2 2026
- No share repurchases in Q3 2026; $117M of authorization remains
- Total loans and deposits reached new records of $59.7B and $71.5B
- Noninterest-bearing demand deposits grew nearly 15% YoY
Financial Impact
EPS miss of -2.2% vs consensus on a record quarter; revenue miss of ~1.6% vs consensus
Risk Factors
- Higher provision for credit losses ($45M vs $33M QoQ) signals potential credit deterioration
- Tangible book value per share declined 2% QoQ due to AFS securities unrealized losses
- No share repurchases paused in Q3 2026, reducing capital return visibility
Investment Themes
Documents Analyzed
This report is based on 7 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001069157-26-000048 |
| Document: ewbc3q26earningspresenta.htm | 0001069157-26-000048 |
| Document: ewbc-20261020.htm | 0001069157-26-000048 |
| Document: 0001069157-26-000048-index-headers.html | 0001069157-26-000048 |
| Document: 0001069157-26-000048-index.html | 0001069157-26-000048 |
| Document: 0001069157-26-000048.txt | 0001069157-26-000048 |
| 8-K Data (Synthetic) | 0001069157-26-000048 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 23, 2026 4d ago | Institutional Cluster | $131.19 $131.77 | ▲ +0.44% | ▼ −0.27% | $131.41 (+0.17%) |
Oct 20, 2026 7d ago | 8-K | $131.39 $132.65 | ▼ −0.96% | ▼ −2.14% | $131.41 (−0.02%) |
Aug 12, 2026 10w ago | Insider Cluster | $135.96 $136.60 | ▲ +0.47% | ▲ +0.67% | $131.41 (−3.35%) |
Apr 30, 2026 25w ago | Insider Cluster | $124.26 $122.67 | ▼ −1.28% | ▼ −0.91% | $131.41 (+5.76%) |
Apr 29, 2026 25w ago | 144 | $124.28 $126.10 | ▲ +1.46% | ▲ +0.44% | $131.41 (+5.74%) |
Apr 21, 2026 27w ago | 8-K | $122.02 $123.76 | ▲ +1.43% | ▲ +1.82% | $131.41 (+7.70%) |
US Market Status
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