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Upturn AI SWOT - About
EWBC 
East West Bancorp Inc (EWBC)
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Upturn Advisory Summary
04/01/2025: EWBC (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 9.94% | Avg. Invested days 41 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 12.28B USD | Price to earnings Ratio 10.65 | 1Y Target Price 113.25 |
Price to earnings Ratio 10.65 | 1Y Target Price 113.25 | ||
Volume (30-day avg) 1267689 | Beta 1.27 | 52 Weeks Range 67.54 - 113.29 | Updated Date 04/1/2025 |
52 Weeks Range 67.54 - 113.29 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 2.67% | Basic EPS (TTM) 8.33 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 48.86% | Operating Margin (TTM) 61.88% |
Management Effectiveness
Return on Assets (TTM) 1.6% | Return on Equity (TTM) 15.89% |
Valuation
Trailing PE 10.65 | Forward PE 10.01 | Enterprise Value 10665414656 | Price to Sales(TTM) 5.15 |
Enterprise Value 10665414656 | Price to Sales(TTM) 5.15 | ||
Enterprise Value to Revenue 6.03 | Enterprise Value to EBITDA - | Shares Outstanding 138440000 | Shares Floating 136914208 |
Shares Outstanding 138440000 | Shares Floating 136914208 | ||
Percent Insiders 1.06 | Percent Institutions 92.51 |
Analyst Ratings
Rating 4.31 | Target Price 117.62 | Buy 3 | Strong Buy 7 |
Buy 3 | Strong Buy 7 | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
East West Bancorp Inc
Company Overview
History and Background
East West Bancorp, Inc. was founded in 1973. It initially focused on serving the Chinese-American community in Southern California. Over time, it expanded its services and geographic reach to become a leading independent bank focusing on the U.S. and Greater China markets.
Core Business Areas
- Commercial Banking: Offers a range of financial services including commercial loans, real estate loans, trade finance, and deposit accounts to businesses.
- Retail Banking: Provides personal banking services such as checking and savings accounts, mortgages, and wealth management.
- Wealth Management: Provides wealth and asset management services to businesses and individuals.
Leadership and Structure
Dominic Ng is the Chairman, President, and CEO. The organizational structure includes various executive vice presidents overseeing different business units and support functions.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: CRE loans are a significant part of their portfolio, catering to the real estate needs of businesses. Market share data specific to East West is difficult to source precisely, but competitors include regional and national banks like Bank of America and Wells Fargo. East West specializes in relationship based commercial lending.
- Trade Finance: Offers services to facilitate international trade, particularly between the U.S. and Greater China. Market share for trade finance varies, with global banks like HSBC and Citigroup as major competitors. East West leverages its geographic specialization.
- Small Business Lending (SBA): Small Business Lending through the SBA is offered. Competitors include regional and national banks that are also SBA lenders. East West focuses on serving the AAPI community.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate volatility, regulatory changes, and increasing competition from fintech companies. Regional banks are also under increased scrutiny due to recent bank failures.
Positioning
East West Bancorp is positioned as a bridge between the U.S. and Greater China markets, leveraging its cultural understanding and language capabilities to serve its target customers. Its competitive advantage lies in its specialized knowledge and network.
Total Addressable Market (TAM)
The TAM for banking services in the U.S. is in the trillions of dollars. East West Bancorp is positioned to capture a portion of this market by focusing on its niche markets, specifically those engaging in US-Greater China business and the AAPI community. Estimating the exact TAM share is difficult without more granular data.
Upturn SWOT Analysis
Strengths
- Strong presence in U.S.-Greater China market
- Deep understanding of Asian culture and business practices
- Solid financial performance
- Experienced management team
Weaknesses
- Geographic concentration in California and New York
- Vulnerability to fluctuations in the Chinese economy
- Smaller scale compared to larger national banks
- Relatively high exposure to commercial real estate compared to peers.
Opportunities
- Expansion into new geographic markets
- Growth in wealth management services
- Increased adoption of digital banking solutions
- Capitalizing on opportunities from competitors facing financial or legal challenges.
Threats
- Increased competition from other banks and fintech companies
- Regulatory changes
- Economic slowdown in the U.S. or China
- Geopolitical tensions between the U.S. and China
Competitors and Market Share
Key Competitors
- BofA (BAC)
- Wells Fargo (WFC)
- Cathay General Bancorp (CATY)
- Bank of Hawaii (BOH)
Competitive Landscape
East West Bancorp's advantage lies in its niche market focus and cultural understanding. It is smaller than national banks like Bank of America and Wells Fargo but has a deeper understanding of the U.S.-Greater China market compared to these national competitors.
Major Acquisitions
United American Bank
- Year: 2017
- Acquisition Price (USD millions): 150
- Strategic Rationale: Expanded East West Bancorp's presence in the Southern California market.
Growth Trajectory and Initiatives
Historical Growth: East West Bancorp has historically grown through organic expansion and strategic acquisitions.
Future Projections: Future growth projections depend on analyst estimates and market conditions. These estimates are subject to change.
Recent Initiatives: Recent initiatives include expanding digital banking services and focusing on wealth management growth.
Summary
East West Bancorp has a strong niche in the U.S.-Greater China market, allowing for steady growth. Its cultural expertise provides a competitive advantage, but its smaller scale requires continuous innovation. Economic conditions and geopolitical tensions pose risks to its business model, but ongoing digital transformation is a key opportunity. The company seems strategically sound but susceptible to macro events and competitive pressure.
Similar Companies
BOH
Bank of Hawaii Corporation
BOH
Bank of Hawaii Corporation
CATY
Cathay General Bancorp
CATY
Cathay General Bancorp
CMA
Comerica Inc
CMA
Comerica Inc
FCNCA
First Citizens BancShares Inc
FCNCA
First Citizens BancShares Inc
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Financial News Articles
- Yahoo Finance
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is based on available estimates and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About East West Bancorp Inc
Exchange NASDAQ | Headquaters Pasadena, CA, United States | ||
IPO Launch date 1999-02-08 | Chairman, President & CEO Mr. Dominic Ng CPA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 3100 | Website https://www.eastwestbank.com |
Full time employees 3100 | Website https://www.eastwestbank.com | ||
East West Bancorp, Inc. operates as the bank holding company for East West Bank that provides a range of personal and commercial banking services to businesses and individuals in the United States. The company operates through three segments: Consumer and Business Banking, Commercial Banking, and Other. It accepts various deposit products, such as personal and business checking and savings accounts, money market, and time deposits. The company provides various loan products, such as mortgage and home equity, commercial and residential real estate, construction, trade, letters of credit, commercial business, affordable housing, asset-based, asset-backed, project, loan syndication, and equipment loans, as well as working capital lines of credit; and financing services for clients to facilitate their business transactions between the United States and Asia. It also provides foreign exchange, treasury management, wealth management, and interest rate and commodity risk hedging services; and mobile and online banking services. The company was founded in 1973 and is headquartered in Pasadena, California.
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