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Eastern Bankshares, Inc.(EBC)Earnings, Financials & Key Ratios
EBC•NASDAQ•Banking & Credit
51.5× P/E·Price updated Jun 19, 2026
AboutEastern Bankshares, Inc. operates as the bank holding company for Eastern Bank that provides banking products and services primarily to retail, commercial, and small business customers. It operates in two segments, Banking Business and Insurance Agency Business. The company provides interest-bearing and non interest-bearing checking deposits, money market deposits, savings deposits, and time certificates of deposits, as well as debit and credit cards. It also offers commercial and industrial loans, commercial real estate and construction loans, small business loans, residential real estate loans, home equity, and lines of credit, as well as other consumer loans comprising unsecured personal lines of credit, overdraft protection, automobile loans, home improvement loans, airplane loans, and other personal loans. In addition, the company provides cash reserves, cash management, merchant, escrow express, government banking, international banking, interest on lawyers trust accounts, retirement planning, and business telephone banking services, as well as products and services for not-for-profit and healthcare. Further, it offers trust and investment products and services; community development and asset-based lending services; financial planning, portfolio management, wealth management, private banking, and fiduciary products; online, mobile, and telephone banking services; and automated lock box collection and account reconciliation services, as well as various insurance products. As of December 31, 2021, the company operated 105 branch offices in eastern Massachusetts and southern New Hampshire; and 23 non-branch offices in eastern Massachusetts, one office in New Hampshire, and one office in Rhode Island. Eastern Bankshares, Inc. was founded in 1818 and is headquartered in Boston, Massachusetts.Show more
- Net Interest Income$829M+36.4%
- Total Revenue$1.06B-1.4%
- Net Income$88M-26.2%
- Return on Equity2.22%-38.9%
- Net Interest Margin2.71%+13.9%
- Efficiency Ratio56.31%+18.6%
- ROA0.31%-38.6%
- Equity / Assets14.19%+0.4%
- Book Value per Share20.06+1.2%
EBC Key Insights
Eastern Bankshares, Inc. (EBC) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Company is almost debt free
- ✓Strong 5Y profit CAGR of 31.1%
- ✓Well capitalized: 14.2% equity/assets
- ✓Healthy dividend yield of 2.4%
- ✓Trading at only 1.0x book value
✗Weaknesses
- ✗Weak 3Y average ROE of 4.8%
- ✗Dividend payout exceeds 100% of earnings
- ✗Shares diluted 18.8% in last year
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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EBC Price & Volume
Eastern Bankshares, Inc. (EBC) stock price & volume — 10-year historical chart
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EBC Growth Metrics
Eastern Bankshares, Inc. (EBC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years12.64%
3 Years15.7%
TTM-
Profit CAGR
10 Years-
5 Years31.15%
3 Years-23.85%
TTM-26.22%
EPS CAGR
10 Years-
5 Years25.21%
3 Years-30.86%
TTM-40.16%
Return on Capital
10 Years4.15%
5 Years2.53%
3 Years0.38%
Last Year1.01%
EBC Recent Earnings
Eastern Bankshares, Inc. (EBC) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 6/12 qtrs (55%)●Beat Revenue 5/12 qtrs (45%)
Q2 2026Latest
Apr 23, 2026Metric
Actual
Est
EPS
$0.40-9.1%
$0.44
Rev
$296M-2.0%
$302M
Q2 2026
Mar 2, 2026Metric
Actual
Est
EPS
$0.46
—
Rev
$382M
—
Q1 2026
Jan 22, 2026Metric
Actual
Est
EPS
$0.44+7.3%
$0.41
Rev
$290M+1.1%
$287M
Q4 2025
Oct 23, 2025Metric
Actual
Est
EPS
$0.37-6.9%
$0.40
Rev
$240M-2.4%
$246M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.40vs $0.44-9.1% | $296Mvs $302M-2.0% |
| Q2 2026 | Mar 2, 2026 | $0.46 | $382M |
| Q1 2026 | Jan 22, 2026 | $0.44vs $0.41+7.3% | $290Mvs $287M+1.1% |
| Q4 2025 | Oct 23, 2025 | $0.37vs $0.40-6.9% | $240Mvs $246M-2.4% |
Based on last 12 quarters of dataView full earnings history →
EBC Peer Comparison
Eastern Bankshares, Inc. (EBC) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 INDB | 4.01B | 81.05 | 18.21 | 19.82% | 17.57% | 6.21% | 0.25 | |
 NBTB | 2.44B | 46.68 | 14.02 | 10.36% | 18.76% | 9.51% | 0.17 | |
 CNOB | 1.63B | 32.45 | 21.93 | 13.44% | 11.89% | 5.49% | 0.74 | |
 EGBN | 841.69M | 27.60 | -6.56 | -10.35% | -20.19% | -10.91% | 0.13 | |
 OCFC | 1.03B | 18.03 | 15.41 | -4.7% | 10.75% | 4.26% | 0.98 | |
 CFG | 29.21B | 67.08 | 17.38 | -9.71% | 16.42% | 7.16% | 0.43 | |
 WTFC | 10.39B | 154.11 | 13.33 | 6.66% | 19.48% | 11.71% | 0.62 | |
 UMBF | 10.13B | 133.06 | 14.57 | 68.52% | 19.79% | 11.67% | 0.49 |
Compare EBC vs Peers
Eastern Bankshares, Inc. (EBC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
EBC Income Statement
Eastern Bankshares, Inc. (EBC) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|
Net Interest Income | 390.04M | 411.26M | 401.25M | 429.83M | 568.05M | 550.41M | 607.6M | 828.58M |
NII Growth % | - | 5.44% | -2.43% | 7.12% | 32.16% | -3.11% | 10.39% | 36.37% |
Net Interest Margin % | 3.43% | 3.54% | 2.51% | 1.83% | 2.51% | 2.6% | 2.38% | 2.71% |
Interest Income | 415.17M | 445.02M | 413.33M | 435.16M | 605.18M | 796.46M | 946.77M | 1.16B |
Interest Expense | 25.12M | 33.75M | 12.08M | 5.33M | 37.13M | 246.05M | 339.17M | 335.68M |
Loan Loss Provision | 15.1M | 6.3M | 38.8M | -9.69M | 17.93M | 20.05M | 67.38M | 21.3M |
Non-Interest Income | 176.74M | 177.71M | 169.19M | 88.32M | 76.75M | -237.75M | 123.92M | -108.06M |
Non-Interest Income % | 29.86% | 28.54% | 29.04% | 16.87% | 11.25% | -42.55% | 11.57% | -10.23% |
Total Revenue | 591.91M▲ 0% | 622.72M▲ 5.2% | 582.52M▼ 6.5% | 523.48M▼ 10.1% | 681.93M▲ 30.3% | 558.71M▼ 18.1% | 1.07B▲ 91.6% | 1.06B▼ 1.4% |
Revenue Growth % | - | 5.21% | -6.46% | -10.13% | 30.27% | -18.07% | 91.64% | -1.35% |
Non-Interest Expense | 394.08M | 408.09M | 495.74M | 351.84M | 388.65M | 418.6M | 508.37M | 594.77M |
Efficiency Ratio | 66.58% | 65.53% | 85.1% | 67.21% | 56.99% | 74.92% | 47.48% | 56.31% |
Operating Income | 157.61M▲ 0% | 174.58M▲ 10.8% | 35.9M▼ 79.4% | 176M▲ 390.2% | 238.23M▲ 35.4% | -126M▼ 152.9% | 155.77M▲ 223.6% | 104.45M▼ 32.9% |
Operating Margin % | 26.63% | 28.03% | 6.16% | 33.62% | 34.93% | -22.55% | 14.55% | 9.89% |
Operating Income Growth % | - | 10.77% | -79.44% | 390.22% | 35.36% | -152.89% | 223.63% | -32.95% |
Pretax Income | 157.61M▲ 0% | 174.58M▲ 10.8% | 35.9M▼ 79.4% | 176M▲ 390.2% | 238.23M▲ 35.4% | -126M▼ 152.9% | 155.77M▲ 223.6% | 99.55M▼ 36.1% |
Pretax Margin % | 26.63% | 28.03% | 6.16% | 33.62% | 34.93% | -22.55% | 14.55% | 9.43% |
Income Tax | 34.88M | 39.48M | 13.16M | 30.46M | 51.72M | -63.31M | 36.2M | 11.34M |
Effective Tax Rate % | 22.13% | 22.61% | 36.66% | 17.31% | 21.71% | 50.25% | 23.24% | 11.39% |
Net Income | 122.73M▲ 0% | 135.1M▲ 10.1% | 22.74M▼ 83.2% | 154.66M▲ 580.2% | 199.76M▲ 29.2% | 232.18M▲ 16.2% | 119.56M▼ 48.5% | 88.21M▼ 26.2% |
Net Margin % | 20.73% | 21.69% | 3.9% | 29.55% | 29.29% | 41.56% | 11.17% | 8.35% |
Net Income Growth % | - | 10.08% | -83.17% | 580.2% | 29.16% | 16.23% | -48.5% | -26.22% |
Net Income (Continuing) | 122.73M | 135.1M | 22.74M | 145.53M | 186.51M | -62.69M | 119.56M | 88.21M |
EPS (Diluted) | 0.58▲ 0% | 0.64▲ 10.3% | 0.13▼ 79.7% | 0.90▲ 592.3% | 1.21▲ 34.4% | 1.43▲ 18.2% | 0.66▼ 53.8% | 0.40▼ 39.4% |
EPS Growth % | - | 10.34% | -79.69% | 592.31% | 34.44% | 18.18% | -53.85% | -39.39% |
EPS (Basic) | 0.58 | 0.64 | 0.13 | 0.90 | 1.21 | 1.43 | 0.66 | 0.40 |
Diluted Shares Outstanding | 210.09M | 210.09M | 171.81M | 172.25M | 165.65M | 162.4M | 182.18M | 216.4M |
EBC Balance Sheet
Eastern Bankshares, Inc. (EBC) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 1.72B | 1.87B | 5.24B | 9.74B | 6.86B | 5.1B | 5.03B | 316.9M |
Cash & Due from Banks | 259.71M | 362.6M | 2.05B | 1.23B | 169.5M | 693.08M | 1.01B | 126.1M |
Short Term Investments | 1.46B | 1.51B | 3.18B | 8.51B | 6.69B | 4.41B | 4.02B | 190.8M |
Total Investments | 10.23B | 10.41B | 12.78B | 20.68B | 20.72B | 18.66B | 21.99B | 190.8M |
Investments Growth % | - | 1.73% | 22.78% | 61.86% | 0.17% | -9.96% | 17.88% | -99.13% |
Long-Term Investments | 8.77B | 8.9B | 9.6B | 12.17B | 14.03B | 14.25B | 17.97B | 0 |
Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Goodwill & Intangibles | 381.28M | 377.73M | 376.53M | 649.7M | 568.01M | 566.21M | 1.05B | 1.3B |
Goodwill | 369.03M | 369.03M | 369.48M | 631.5M | 557.63M | 557.63M | 914.96M | 1.3B |
Intangible Assets | 12.24M | 8.7M | 7.06M | 18.21M | 10.37M | 8.57M | 135.2M | 0 |
PP&E (Net) | 66.47M | 56.57M | 48.67M | 65.86M | 62.66M | 60.13M | 64.55M | 120M |
Other Assets | 341.46M | 334M | 543.32M | 624.07M | 629.02M | 706.87M | 878.04M | -310M |
Total Current Assets | 1.78B | 1.93B | 5.39B | 9.92B | 7.03B | 5.28B | 5.26B | 316.9M |
Total Non-Current Assets | 9.6B | 9.7B | 10.58B | 13.59B | 15.62B | 15.85B | 20.3B | 1.42B |
Total Assets | 11.38B▲ 0% | 11.63B▲ 2.2% | 15.96B▲ 37.3% | 23.51B▲ 47.3% | 22.65B▼ 3.7% | 21.13B▼ 6.7% | 25.56B▲ 20.9% | 30.59B▲ 19.7% |
Asset Growth % | - | 2.2% | 37.28% | 47.28% | -3.68% | -6.68% | 20.94% | 19.68% |
Return on Assets (ROA) | 1.08% | 1.17% | 0.16% | 0.78% | 0.87% | 1.06% | 0.51% | 0.31% |
Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total Debt | 320.94M | 235.4M | 28.05M | 34.28M | 726.4M | 39.72M | 45.31M | 214.9M |
Net Debt | 61.23M | -127.21M | -2.03B | -1.2B | 556.89M | -653.36M | -961.57M | 88.8M |
Long-Term Debt | 14.88M | 15.35M | 28.05M | 34.26M | 35.1M | 39.62M | 42.8M | 214.9M |
Short-Term Debt | 306.06M | 220.05M | 0 | 17K | 691.3M | 95K | 2.52M | 0 |
Other Liabilities | 224.72M | 241.84M | 352.31M | 443.19M | 474.31M | 522.49M | 608.98M | 11.8B |
Total Current Liabilities | 9.71B | 9.77B | 12.16B | 19.63B | 19.67B | 17.6B | 21.29B | 14.23B |
Total Non-Current Liabilities | 239.59M | 257.18M | 380.35M | 477.45M | 509.41M | 562.11M | 651.78M | 12.02B |
Total Liabilities | 9.95B | 10.03B | 12.54B | 20.11B | 20.18B | 18.16B | 21.95B | 26.25B |
Total Equity | 1.43B▲ 0% | 1.6B▲ 11.7% | 3.43B▲ 114.2% | 3.41B▼ 0.6% | 2.47B▼ 27.4% | 2.97B▲ 20.4% | 3.61B▲ 21.4% | 4.34B▲ 20.2% |
Equity Growth % | - | 11.65% | 114.23% | -0.63% | -27.44% | 20.35% | 21.42% | 20.17% |
Equity / Assets (Capital Ratio) | 12.6% | 13.76% | 21.47% | 14.49% | 10.91% | 14.08% | 14.13% | 14.19% |
Return on Equity (ROE) | 8.56% | 8.91% | 0.9% | 4.53% | 6.8% | 8.53% | 3.63% | 2.22% |
Book Value per Share | 6.82 | 7.62 | 19.95 | 19.78 | 14.92 | 18.32 | 19.83 | 20.06 |
Tangible BV per Share | 5.01 | 5.82 | 17.76 | 16.00 | 11.49 | 14.83 | 14.06 | 14.05 |
Common Stock | 0 | 0 | 1.87M | 1.86M | 1.76M | 1.77M | 2.14M | 2.4M |
Additional Paid-in Capital | 0 | 0 | 1.85B | 1.84B | 1.65B | 1.67B | 2.24B | 2.62B |
Retained Earnings | 1.51B | 1.64B | 1.67B | 1.77B | 1.88B | 2.05B | 2.08B | 2.07B |
Accumulated OCI | -75.76M | -43.85M | 54.23M | -56.7M | -923.19M | -608.35M | -584.33M | -350.2M |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
EBC Cash Flow Statement
Eastern Bankshares, Inc. (EBC) cash flow — operating, investing & free cash flow history
| Metric | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|
Cash from Operations | 205.01M | 196.22M | 69.85M | 174.49M | 229.94M | 261.69M | 284.22M | 432.42M |
Operating CF Growth % | - | -4.29% | -64.4% | 149.8% | 31.78% | 13.81% | 8.61% | 52.14% |
Net Income | 122.73M | 135.1M | 22.74M | 145.53M | 186.51M | -62.69M | 119.56M | 88.22M |
Depreciation & Amortization | 20.07M | 19.48M | 27.91M | 22.88M | 23.42M | 23.64M | 38.38M | 63.53M |
Deferred Taxes | -4.88M | 1.38M | -20.36M | -5.66M | 5.26M | -18.27M | 36.06M | -13.55M |
Other Non-Cash Items | 22.26M | 10.64M | 102.05M | -45M | 40.71M | 263.52M | 69.38M | 236.31M |
Working Capital Changes | 44.83M | 29.63M | -64.83M | 47.33M | -46.38M | 32.3M | -5.78M | 32.62M |
Cash from Investing | -647.1M | -145.27M | -2.39B | -1.99B | -1.08B | 2.4B | 1.06B | -364.02M |
Purchase of Investments | -171M | -257.12M | -2.13B | -3.34B | -1.25B | -37.66M | -269.09M | -1.69B |
Sale/Maturity of Investments | 174.1M | 252.05M | 463.3M | 963.84M | 1.5B | 2.35B | 1.48B | 2.13B |
Net Investment Activity | 3.1M | -5.07M | -1.67B | -2.37B | 243.39M | 2.31B | 1.21B | 435.36M |
Acquisitions | -10.93M | 0 | -1.36M | -9.09M | 0 | 0 | 24.88M | -1.41M |
Other Investing | -630.24M | -133.02M | -716.63M | 403.49M | -1.31B | 95.06M | -166.29M | -778.53M |
Cash from Financing | 390.65M | 51.95M | 4.01B | 988.98M | -215.57M | -2.14B | -1.03B | -758.41M |
Dividends Paid | 0 | 0 | 0 | -51.56M | -65.89M | -66.67M | -82.54M | -105.72M |
Share Repurchases | 0 | -346K | -28.55M | -23.22M | -201.62M | 0 | -27.68M | -106.59M |
Stock Issued | 0 | 0 | 1.79B | 0 | 0 | 0 | 0 | 5.11M |
Net Stock Activity | 0 | -346K | 1.76B | -23.22M | -201.62M | 0 | -27.68M | -101.48M |
Debt Issuance (Net) | -1000K | -1000K | -1000K | -1000K | 1000K | -1000K | -1000K | -1000K |
Other Financing | 582.87M | 151.18M | 2.45B | 1.1B | -654.62M | -1.38B | -179.26M | -181.87M |
Net Change in Cash | -51.45M▲ 0% | 102.89M▲ 300.0% | 1.69B▲ 1543.9% | -822.28M▼ 148.6% | -1.06B▼ 29.2% | 523.57M▲ 149.3% | 313.8M▼ 40.1% | -690.01M▼ 319.9% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 311.15M | 259.71M | 362.6M | 2.05B | 1.23B | 169.5M | 693.08M | 1.01B |
Cash at End | 259.71M | 362.6M | 2.05B | 1.23B | 169.5M | 693.08M | 1.01B | 316.87M |
Interest Paid | 23.73M | 34.22M | 13.68M | 5.35M | 35.24M | 231.76M | 316.13M | 333.26M |
Income Taxes Paid | 29.73M | 31.31M | 35.13M | 43.3M | 41.75M | 65.92M | 18.79M | 0 |
Free Cash Flow | 195.97M▲ 0% | 189.04M▼ 3.5% | 64.71M▼ 65.8% | 168.76M▲ 160.8% | 221.31M▲ 31.1% | 253.55M▲ 14.6% | 270.3M▲ 6.6% | 412.99M▲ 52.8% |
FCF Growth % | - | -3.54% | -65.77% | 160.81% | 31.14% | 14.57% | 6.6% | 52.79% |
EBC Banking Ratios
Eastern Bankshares, Inc. (EBC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 8.56% | 8.91% | 0.9% | 4.53% | 6.8% | 8.53% | 3.63% | 2.22% |
Return on Assets (ROA) | 1.08% | 1.17% | 0.16% | 0.78% | 0.87% | 1.06% | 0.51% | 0.31% |
Net Interest Margin | 3.43% | 3.54% | 2.51% | 1.83% | 2.51% | 2.6% | 2.38% | 2.71% |
Efficiency Ratio | 66.58% | 65.53% | 85.1% | 67.21% | 56.99% | 74.92% | 47.48% | 56.31% |
Equity / Assets | 12.6% | 13.76% | 21.47% | 14.49% | 10.91% | 14.08% | 14.13% | 14.19% |
Book Value / Share | 6.82 | 7.62 | 19.95 | 19.78 | 14.92 | 18.32 | 19.83 | 20.06 |
NII Growth | - | 5.44% | -2.43% | 7.12% | 32.16% | -3.11% | 10.39% | 36.37% |
Dividend Payout | - | - | - | 33.34% | 32.98% | 28.72% | 69.04% | 119.85% |
Related:EBC Dividend History·EBC Revenue History·EBC Price History·EBC P/E History·EBC Financial Ratios·EBC Institutional Holders
EBC SEC Filings & Documents
Eastern Bankshares, Inc. (EBC) SEC filings — annual & quarterly reports (10-K, 10-Q)
EBC Frequently Asked Questions
Eastern Bankshares, Inc. (EBC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Eastern Bankshares, Inc. (EBC) saw revenue decline by 1.4% over the past year.
Yes, Eastern Bankshares, Inc. (EBC) is profitable, generating $88.2M in net income for fiscal year 2025 (8.4% net margin).
Dividend & Returns
Yes, Eastern Bankshares, Inc. (EBC) pays a dividend with a yield of 2.37%. This makes it attractive for income-focused investors.
Eastern Bankshares, Inc. (EBC) has a return on equity (ROE) of 2.2%. This is below average, suggesting room for improvement.
Industry Metrics
Eastern Bankshares, Inc. (EBC) has a net interest margin (NIM) of 2.7%. NIM has been under pressure due to interest rate environment.
Eastern Bankshares, Inc. (EBC) has an efficiency ratio of 56.3%. This is reasonable for a bank.