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EWBC vs ONB
Which Stock Would AI Choose? East West Bancorp (EWBC) vs. Old National Bancorp (ONB) Stock Comparison
Key Takeaways
- EWBC (East West Bancorp) is a larger, more profitable cross-border commercial bank, while ONB (Old National Bancorp) is a Midwestern regional bank expanding through acquisition.
- EWBC reported record full-year 2025 net income of roughly $1.3 billion and lifted its quarterly dividend by 33%.
- ONB grew full-year 2025 revenue about 31% and net income about 25%, aided by the Bremer Bank integration.
- EWBC shows a stronger efficiency ratio (around 34.5%) and higher returns, while ONB carries a higher net interest margin but elevated non-performing loans.
- Both pay dividends, but the two names differ sharply on scale, profitability, and growth drivers, making relative positioning the key differentiator.
Introduction
Regional banks often trade as a group, yet their underlying franchises can differ materially. This stock comparison examines EWBC (East West Bancorp, Inc.) and ONB (Old National Bancorp), two U.S. banks with contrasting business models and growth trajectories. East West Bancorp is a cross-border commercial lender with deep U.S.–Asia trade ties, while Old National Bancorp is a Midwestern community and commercial bank that has grown through M&A (mergers and acquisitions). Investors weighing relative performance, market positioning, and risk profiles may find this comparison useful when deciding how to allocate capital across the regional banking sector.
EWBC Overview and Recent Performance
East West Bancorp, Inc., the parent of East West Bank, is a commercial bank known for its cross-border expertise serving U.S.–Asia commerce. In recent weeks, EWBC has been supported by record full-year 2025 results: net income of about $1.3 billion, or $9.52 per diluted share, alongside record revenue, net interest income (NII, or interest earned on loans minus interest paid on deposits), and fee income. Management announced a 33% dividend increase to $0.80 per share per quarter, reflecting strong capital generation.
Operationally, the bank reported a net interest margin (NIM, the spread between interest income and interest costs) near 3.41%, a highly efficient ratio of roughly 34.5%, and very low net charge-offs (NCOs, or loans written off as uncollectible) of about 0.08% of average loans. Tangible book value per share rose approximately 17% year over year, and the common equity Tier 1 (CET1) capital ratio—a key measure of bank financial strength—stood near 15.1%. Despite this strength, shares have lagged some peers in recent market activity, with analysts citing slower projected loan growth and rising expense guidance as factors tempering near-term sentiment.
ONB Overview and Recent Performance
Old National Bancorp, the holding company for Old National Bank, operates primarily across the Midwestern United States. A defining recent development has been the integration of Bremer Financial, which meaningfully expanded ONB's scale. For full-year 2025, the company reported revenue of roughly $2.3 billion, up about 31%, and net income of approximately $653 million, up about 25%, with EPS (earnings per share) of $1.80. The net interest margin improved to about 3.54%, helped by the larger balance sheet.
In recent weeks, sentiment has been shaped by solid earnings delivery alongside watchpoints on credit and efficiency. The cost-to-income ratio has drifted higher through the year, and non-performing loans (NPLs, loans in default or close to it) remain an area of investor focus, even as the ratio of NPLs to total loans declined year over year. Analysts hold a mostly "Moderate Buy" stance, with price targets spanning a wide range, while the stock trades at a modest valuation relative to peers. A consistent dividend (yielding around 2.3%) provides income support, but integration execution and credit quality remain central to the outlook.
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Head-to-Head Comparison
The most striking contrast between these two names is scale and profitability. EWBC operates a larger, more efficient franchise with a roughly 34.5% efficiency ratio and a return on average tangible common equity (ROTCE, a profitability gauge that excludes intangible assets) near 17%. ONB operates with a higher cost-to-income ratio and lower profitability, though its NIM of about 3.54% slightly exceeds EWBC's. In terms of growth drivers, EWBC leans on organic loan and deposit expansion and fee diversification, while ONB leans on acquisition-driven scale and cross-sell opportunities from the Bremer integration.
Risk factors also diverge. EWBC carries concentration exposure to cross-border commercial and commercial real estate lending, whereas ONB's risks center on integration execution and relatively higher non-performing loans. Market sentiment currently rewards EWBC's efficiency and capital returns but questions its growth runway; for ONB, sentiment reflects optimism about scale and NIM expansion tempered by credit and expense concerns.
Tickeron AI Verdict
Based on observable trend consistency, profitability, and balance-sheet stability, Tickeron's AI would likely favor EWBC at present. The bank's record earnings, exceptionally low net charge-offs, strong CET1 capital, and improving efficiency signal more consistent trend strength and stability than ONB's integration-heavy, credit-sensitive profile. That said, ONB's higher NIM and acquisition-driven growth offer a different, potentially more value-oriented setup. The AI view is probabilistic rather than definitive: EWBC currently presents stronger relative positioning on quality metrics, while ONB's trajectory depends more heavily on successful execution.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is EWBC is a Hold and ONB is a Hold.
EWBC in upward trend: price rose above 50-day moving average on October 21, 2026
EWBC moved above its 50-day moving average on October 21, 2026 date and that indicates a change from a downward trend to an upward trend. In 31 of 41 similar past instances, the stock price increased further within the following month. The odds of a continued upward trend are 76%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Momentum Indicator moved above the 0 level on October 20, 2026. You may want to consider a long position or call options on EWBC as a result. In 57 of 85 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 67%.
The Moving Average Convergence Divergence (MACD) for EWBC just turned positive on October 05, 2026. Looking at past instances where EWBC's MACD turned positive, the stock continued to rise in 29 of 44 cases over the following month. The odds of a continued upward trend are 66%.
Following a +3.42% 3-day Advance, the price is estimated to grow further. Considering data from situations where EWBC advanced for three days, in 216 of 313 cases, the price rose further within the following month. The odds of a continued upward trend are 69%.
Bearish Trend Analysis
The RSI Indicator demonstrated that the stock has entered the overbought zone. This may point to a price pull-back soon.
The Stochastic Oscillator has been in the overbought zone for 1 day. Expect a price pull-back in the near future.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where EWBC declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 63%.
EWBC broke above its upper Bollinger Band on October 20, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
The Aroon Indicator for EWBC entered a downward trend on October 12, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 9 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Profit vs. Risk Rating rating for this company is 30 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 55, placing this stock better than average.
The Tickeron PE Growth Rating for this company is 33 (best 1 - 100 worst), pointing to outstanding earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Price Growth Rating for this company is 44 (best 1 - 100 worst), indicating steady price growth. EWBC’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Seasonality Score of 75 (best 1 - 100 worst) indicates that the company is slightly overvalued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron Valuation Rating of 95 (best 1 - 100 worst) indicates that the company is significantly overvalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.966) is normal, around the industry mean (1.268). P/E Ratio (12.670) is within average values for comparable stocks, (13.372). Projected Growth (PEG Ratio) (4.719) is also within normal values, averaging (1.190). Dividend Yield (0.024) settles around the average of (0.035) among similar stocks. EWBC's P/S Ratio (5.714) is slightly higher than the industry average of (3.738).
ONB's MACD Histogram just turned positive
The Moving Average Convergence Divergence (MACD) for ONB turned positive on October 15, 2026. Looking at past instances where ONB's MACD turned positive, the stock continued to rise in 31 of 41 cases over the following month. The odds of a continued upward trend are 76%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The RSI Indicator points to a transition from a downward trend to an upward trend -- in cases where ONB's RSI Oscillator exited the oversold zone, 15 of 20 resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 75%.
The Stochastic Oscillator suggests the stock price trend may be in a reversal from a downward trend to an upward trend. 38 of 57 cases where ONB's Stochastic Oscillator exited the oversold zone resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 67%.
The Momentum Indicator moved above the 0 level on October 20, 2026. You may want to consider a long position or call options on ONB as a result. In 61 of 88 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 69%.
Following a +2.04% 3-day Advance, the price is estimated to grow further. Considering data from situations where ONB advanced for three days, in 170 of 292 cases, the price rose further within the following month. The odds of a continued upward trend are 58%.
Bearish Trend Analysis
Following a 3-day decline, the stock is projected to fall further. Considering past instances where ONB declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 56%.
ONB broke above its upper Bollinger Band on October 20, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
The Aroon Indicator for ONB entered a downward trend on October 12, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 9 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Profit vs. Risk Rating rating for this company is 27 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 55, placing this stock better than average.
The Tickeron Valuation Rating of 44 (best 1 - 100 worst) indicates that the company is fair valued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.152) is normal, around the industry mean (1.268). P/E Ratio (11.084) is within average values for comparable stocks, (13.372). Projected Growth (PEG Ratio) (0.160) is also within normal values, averaging (1.190). Dividend Yield (0.023) settles around the average of (0.035) among similar stocks. P/S Ratio (3.482) is also within normal values, averaging (3.738).
The Tickeron Price Growth Rating for this company is 50 (best 1 - 100 worst), indicating fairly steady price growth. ONB’s price grows at a lower rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron PE Growth Rating for this company is 53 (best 1 - 100 worst), pointing to average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Seasonality Score of 85 (best 1 - 100 worst) indicates that the company is significantly overvalued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
EWBC | ONB | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 34 | 17 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 95 Overvalued | 44 Fair valued | |
PROFIT vs RISK RATING 1..100 | 30 | 27 | |
SMR RATING 1..100 | 9 | 9 | |
PRICE GROWTH RATING 1..100 | 44 | 50 | |
P/E GROWTH RATING 1..100 | 33 | 53 | |
SEASONALITY SCORE 1..100 | 75 | 85 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
ONB's Valuation (44) in the Regional Banks industry is somewhat better than the same rating for EWBC (95). This means that ONB’s stock grew somewhat faster than EWBC’s over the last 12 months.
ONB's Profit vs Risk Rating (27) in the Regional Banks industry is in the same range as EWBC (30). This means that ONB’s stock grew similarly to EWBC’s over the last 12 months.
ONB's SMR Rating (9) in the Regional Banks industry is in the same range as EWBC (9). This means that ONB’s stock grew similarly to EWBC’s over the last 12 months.
EWBC's Price Growth Rating (44) in the Regional Banks industry is in the same range as ONB (50). This means that EWBC’s stock grew similarly to ONB’s over the last 12 months.
EWBC's P/E Growth Rating (33) in the Regional Banks industry is in the same range as ONB (53). This means that EWBC’s stock grew similarly to ONB’s over the last 12 months.
| EWBC | ONB | |
|---|---|---|
| RSI ODDS (%) | 1 day ago 51% | 1 day ago 75% |
| Stochastic ODDS (%) | 1 day ago 52% | 1 day ago 67% |
| Momentum ODDS (%) | 1 day ago 67% | 1 day ago 69% |
| MACD ODDS (%) | 1 day ago 66% | 1 day ago 76% |
| TrendWeek ODDS (%) | 1 day ago 65% | 1 day ago 57% |
| TrendMonth ODDS (%) | 1 day ago 62% | 1 day ago 54% |
| Advances ODDS (%) | 1 day ago 69% | 7 days ago 58% |
| Declines ODDS (%) | 9 days ago 63% | 9 days ago 56% |
| BollingerBands ODDS (%) | 1 day ago 52% | 1 day ago 57% |
| Aroon ODDS (%) | 1 day ago 58% | 1 day ago 62% |
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is overvalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
EWBC’s FA Score shows that 3 FA rating(s) are green while ONB’s FA Score has 2 green FA rating(s).
- EWBC’s FA Score: 3 green, 2 red.
- ONB’s FA Score: 2 green, 3 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
EWBC’s TA Score shows that 4 TA indicator(s) are bullish while ONB’s TA Score has 5 bullish TA indicator(s).
- EWBC’s TA Score: 4 bullish, 4 bearish.
- ONB’s TA Score: 5 bullish, 3 bearish.
Price Growth
EWBC (@Regional Banks) experienced а +5.45% price change this week, while ONB (@Regional Banks) price change was +0.33% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +2.63%. For the same industry, the average monthly price growth was -0.03%, and the average quarterly price growth was +8.99%.
Reported Earning Dates
EWBC is expected to report earnings on Jan 28, 2027.
ONB is expected to report earnings on Jan 26, 2027.
Industries' Descriptions
@Regional Banks (+2.63% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
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EWBC and
Correlation & Price change
A.I.dvisor indicates that over the last year, EWBC has been closely correlated with ONB. These tickers have moved in lockstep 83% of the time. This A.I.-generated data suggests there is a high statistical probability that if EWBC jumps, then ONB could also see price increases.
| Ticker / NAME | Correlation To EWBC | 1D Price Change % | ||
|---|---|---|---|---|
| EWBC | 100% | +0.96% | ||
| ONB - EWBC | 83% Closely correlated | +2.32% | ||
| ASB - EWBC | 83% Closely correlated | +2.16% | ||
| WTFC - EWBC | 83% Closely correlated | +1.62% | ||
| FNB - EWBC | 82% Closely correlated | +2.13% | ||
| WAL - EWBC | 82% Closely correlated | +1.48% | ||
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ONB and
Correlation & Price change
A.I.dvisor indicates that over the last year, ONB has been closely correlated with ASB. These tickers have moved in lockstep 90% of the time. This A.I.-generated data suggests there is a high statistical probability that if ONB jumps, then ASB could also see price increases.
| Ticker / NAME | Correlation To ONB | 1D Price Change % | ||
|---|---|---|---|---|
| ONB | 100% | +2.32% | ||
| ASB - ONB | 90% Closely correlated | +2.16% | ||
| FNB - ONB | 89% Closely correlated | +2.13% | ||
| FULT - ONB | 89% Closely correlated | +3.64% | ||
| ZION - ONB | 88% Closely correlated | +1.03% | ||
| CFG - ONB | 87% Closely correlated | +0.55% | ||
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