| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| DCOMDime Community Bancshares, Inc. | 1.32B | 30.11 | 54.75 | 0.1% | 4.5% | 4.02% | 7.02% | 0.70 |
| EBCEastern Bankshares, Inc. | 4.28B | 19.04 | 28.85 | 91.64% | 11.17% | 1.3% | 6.31% | 0.01 |
| LYGLloyds Banking Group plc | 80.35B | 5.47 | 21.88 | 10.79% | 11.75% | 9.93% | 1.76 | |
| CFGCitizens Financial Group, Inc. | 25.74B | 59.93 | 19.78 | 1.31% | 12.22% | 6.6% | 7.3% | 0.51 |
| PFSProvident Financial Services, Inc. | 2.59B | 19.85 | 18.90 | 63.91% | 10.13% | 7.51% | 16.39% | 0.93 |
| CBUCommunity Bank System, Inc. | 3.23B | 61.29 | 17.82 | 24.44% | 19.4% | 10.34% | 6.86% | 0.57 |
| VLYValley National Bancorp | 6.54B | 11.73 | 17 | 6.51% | 10.65% | 6.53% | 8.39% | 0.50 |
| INDBIndependent Bank Corp. | 3.71B | 74.81 | 16.55 | 6.89% | 19.72% | 7.76% | 5.65% | 0.23 |
| Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|
| Net Interest Income | 390.04M | 411.26M | 401.25M | 429.83M | 568.05M | 550.41M | 607.6M |
| NII Growth % | - | 0.05% | -0.02% | 0.07% | 0.32% | -0.03% | 0.1% |
| Net Interest Margin % | - | - | - | - | - | - | - |
| Interest Income | 415.17M | 445.02M | 413.33M | 435.16M | 605.18M | 796.46M | 946.77M |
| Interest Expense | 25.12M | 33.75M | 12.08M | 5.33M | 37.13M | 246.05M | 339.17M |
| Loan Loss Provision | 15.1M | 6.3M | 38.8M | -9.69M | 17.93M | 20.05M | 67.38M |
| Non-Interest Income | 176.74M | 177.71M | 169.19M | 88.32M | 76.75M | -237.75M | 123.92M |
| Non-Interest Income % | - | - | - | - | - | - | - |
| Total Revenue | 591.91M | 622.72M | 582.52M | 523.48M | 681.93M | 558.71M | 1.07B |
| Revenue Growth % | - | 0.05% | -0.06% | -0.1% | 0.3% | -0.18% | 0.92% |
| Non-Interest Expense | 394.08M | 408.09M | 495.74M | 351.84M | 388.65M | 418.6M | 508.37M |
| Efficiency Ratio | - | - | - | - | - | - | - |
| Operating Income | 157.61M | 174.58M | 35.9M | 176M | 238.23M | -126M | 155.77M |
| Operating Margin % | - | - | - | - | - | - | - |
| Operating Income Growth % | - | 0.11% | -0.79% | 3.9% | 0.35% | -1.53% | 2.24% |
| Pretax Income | 157.61M | 174.58M | 35.9M | 176M | 238.23M | -126M | 155.77M |
| Pretax Margin % | - | - | - | - | - | - | - |
| Income Tax | 34.88M | 39.48M | 13.16M | 30.46M | 51.72M | -63.31M | 36.2M |
| Effective Tax Rate % | - | - | - | - | - | - | - |
| Net Income | 122.73M | 135.1M | 22.74M | 154.66M | 199.76M | 232.18M | 119.56M |
| Net Margin % | - | - | - | - | - | - | - |
| Net Income Growth % | - | 0.1% | -0.83% | 5.8% | 0.29% | 0.16% | -0.49% |
| Net Income (Continuing) | 122.73M | 135.1M | 22.74M | 145.53M | 186.51M | -62.69M | 119.56M |
| EPS (Diluted) | 0.58 | 0.64 | 0.13 | 0.90 | 1.21 | 1.43 | 0.66 |
| EPS Growth % | - | 0.1% | -0.8% | 5.92% | 0.34% | 0.18% | -0.54% |
| EPS (Basic) | 0.58 | 0.64 | 0.13 | 0.90 | 1.21 | 1.43 | 0.66 |
| Diluted Shares Outstanding | 210.09M | 210.09M | 171.81M | 172.25M | 165.65M | 162.4M | 182.18M |
| Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Cash & Due from Banks | 259.71M | 362.6M | 2.05B | 1.23B | 169.5M | 693.08M | 1.01B |
| Short Term Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Total Investments | 10.23B | 10.41B | 12.78B | 20.68B | 20.72B | 18.66B | 21.99B |
| Investments Growth % | - | 0.02% | 0.23% | 0.62% | 0% | -0.1% | 0.18% |
| Long-Term Investments | 8.77B | 8.9B | 9.6B | 12.17B | 14.03B | 14.25B | 17.97B |
| Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill & Intangibles | - | - | - | - | - | - | - |
| Goodwill | 369.03M | 369.03M | 369.48M | 631.5M | 557.63M | 557.63M | 914.96M |
| Intangible Assets | 12.24M | 8.7M | 7.06M | 18.21M | 10.37M | 8.57M | 135.2M |
| PP&E (Net) | 66.47M | 56.57M | 48.67M | 65.86M | 62.66M | 60.13M | 64.55M |
| Other Assets | 341.46M | 334M | 543.32M | 624.07M | 629.02M | 706.87M | 878.04M |
| Total Current Assets | 1.78B | 1.93B | 5.39B | 9.92B | 7.03B | 5.28B | 5.26B |
| Total Non-Current Assets | 9.6B | 9.7B | 10.58B | 13.59B | 15.62B | 15.85B | 20.3B |
| Total Assets | 11.38B | 11.63B | 15.96B | 23.51B | 22.65B | 21.13B | 25.56B |
| Asset Growth % | - | 0.02% | 0.37% | 0.47% | -0.04% | -0.07% | 0.21% |
| Return on Assets (ROA) | 0.01% | 0.01% | 0% | 0.01% | 0.01% | 0.01% | 0.01% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 320.94M | 235.4M | 28.05M | 34.28M | 726.4M | 39.72M | 45.31M |
| Net Debt | 61.23M | -127.21M | -2.03B | -1.2B | 556.89M | -653.36M | -961.57M |
| Long-Term Debt | 14.88M | 15.35M | 28.05M | 34.26M | 35.1M | 39.62M | 42.8M |
| Short-Term Debt | 306.06M | 220.05M | 0 | 17K | 691.3M | 95K | 2.52M |
| Other Liabilities | 224.72M | 241.84M | 352.31M | 443.19M | 474.31M | 522.49M | 608.98M |
| Total Current Liabilities | 9.71B | 9.77B | 12.16B | 19.63B | 19.67B | 17.6B | 21.29B |
| Total Non-Current Liabilities | 239.59M | 257.18M | 380.35M | 477.45M | 509.41M | 562.11M | 651.78M |
| Total Liabilities | 9.95B | 10.03B | 12.54B | 20.11B | 20.18B | 18.16B | 21.95B |
| Total Equity | 1.43B | 1.6B | 3.43B | 3.41B | 2.47B | 2.97B | 3.61B |
| Equity Growth % | - | 0.12% | 1.14% | -0.01% | -0.27% | 0.2% | 0.21% |
| Equity / Assets (Capital Ratio) | - | - | - | - | - | - | - |
| Return on Equity (ROE) | 0.09% | 0.09% | 0.01% | 0.05% | 0.07% | 0.09% | 0.04% |
| Book Value per Share | 6.82 | 7.62 | 19.95 | 19.78 | 14.92 | 18.32 | 19.83 |
| Tangible BV per Share | - | - | - | - | - | - | - |
| Common Stock | 0 | 0 | 1.87M | 1.86M | 1.76M | 1.77M | 2.14M |
| Additional Paid-in Capital | 0 | 0 | 1.85B | 1.84B | 1.65B | 1.67B | 2.24B |
| Retained Earnings | 1.51B | 1.64B | 1.67B | 1.77B | 1.88B | 2.05B | 2.08B |
| Accumulated OCI | -75.76M | -43.85M | 54.23M | -56.7M | -923.19M | -608.35M | -584.33M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|
| Cash from Operations | 205.01M | 196.22M | 69.85M | 174.49M | 229.94M | 261.69M | 284.22M |
| Operating CF Growth % | - | -0.04% | -0.64% | 1.5% | 0.32% | 0.14% | 0.09% |
| Net Income | 122.73M | 135.1M | 22.74M | 145.53M | 186.51M | -62.69M | 119.56M |
| Depreciation & Amortization | 20.07M | 19.48M | 27.91M | 22.88M | 23.42M | 23.64M | 38.38M |
| Deferred Taxes | -4.88M | 1.38M | -20.36M | -5.66M | 5.26M | -18.27M | 36.06M |
| Other Non-Cash Items | 22.26M | 10.64M | 102.05M | -45M | 40.71M | 263.52M | 69.38M |
| Working Capital Changes | 44.83M | 29.63M | -64.83M | 47.33M | -46.38M | 32.3M | -5.78M |
| Cash from Investing | -647.1M | -145.27M | -2.39B | -1.99B | -1.08B | 2.4B | 1.06B |
| Purchase of Investments | -171M | -257.12M | -2.13B | -3.34B | -1.25B | -37.66M | -269.09M |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Net Investment Activity | - | - | - | - | - | - | - |
| Acquisitions | -10.93M | 0 | -1.36M | -9.09M | 0 | 0 | 24.88M |
| Other Investing | -630.24M | -133.02M | -716.63M | 403.49M | -1.31B | 95.06M | -166.29M |
| Cash from Financing | 390.65M | 51.95M | 4.01B | 988.98M | -215.57M | -2.14B | -1.03B |
| Dividends Paid | 0 | 0 | 0 | -51.56M | -65.89M | -66.67M | -82.54M |
| Share Repurchases | 0 | -346K | -28.55M | -23.22M | -201.62M | 0 | -27.68M |
| Stock Issued | 0 | 0 | 1.79B | 0 | 0 | 0 | 0 |
| Net Stock Activity | - | - | - | - | - | - | - |
| Debt Issuance (Net) | -1000K | -1000K | -1000K | -1000K | 1000K | -1000K | -1000K |
| Other Financing | 582.87M | 151.18M | 2.45B | 1.1B | -654.62M | -1.38B | -179.26M |
| Net Change in Cash | -51.45M | 102.89M | 1.69B | -822.28M | -1.06B | 523.57M | 313.8M |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 311.15M | 259.71M | 362.6M | 2.05B | 1.23B | 169.5M | 693.08M |
| Cash at End | 259.71M | 362.6M | 2.05B | 1.23B | 169.5M | 693.08M | 1.01B |
| Interest Paid | 23.73M | 34.22M | 13.68M | 5.35M | 35.24M | 231.76M | 316.13M |
| Income Taxes Paid | 29.73M | 31.31M | 35.13M | 43.3M | 41.75M | 65.92M | 18.79M |
| Free Cash Flow | 195.97M | 189.04M | 64.71M | 168.76M | 221.31M | 253.55M | 270.3M |
| FCF Growth % | - | -0.04% | -0.66% | 1.61% | 0.31% | 0.15% | 0.07% |
| Metric | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 8.56% | 8.91% | 0.9% | 4.53% | 6.8% | 8.53% | 3.63% |
| Return on Assets (ROA) | 1.08% | 1.17% | 0.16% | 0.78% | 0.87% | 1.06% | 0.51% |
| Net Interest Margin | 3.43% | 3.54% | 2.51% | 1.83% | 2.51% | 2.6% | 2.38% |
| Efficiency Ratio | 66.58% | 65.53% | 85.1% | 67.21% | 56.99% | 74.92% | 47.48% |
| Equity / Assets | 12.6% | 13.76% | 21.47% | 14.49% | 10.91% | 14.08% | 14.13% |
| Book Value / Share | 6.82 | 7.62 | 19.95 | 19.78 | 14.92 | 18.32 | 19.83 |
| NII Growth | - | 5.44% | -2.43% | 7.12% | 32.16% | -3.11% | 10.39% |
| Dividend Payout | - | - | - | 33.34% | 32.98% | 28.72% | 69.04% |
| 2020 | 2021 | 2022 | 2023 | 2024 | |
|---|---|---|---|---|---|
| Trust And Investment Advisory Fees | 21.1M | 24.59M | 23.59M | 24.26M | 46.13M |
| Trust And Investment Advisory Fees Growth | - | 16.52% | -4.05% | 2.84% | 90.10% |
| Service Charge On Deposit Accounts | 21.56M | 24.27M | 30.39M | 28.63M | 32M |
| Service Charge On Deposit Accounts Growth | - | 12.57% | 25.22% | -5.79% | 11.78% |
| Other Non-interest Income | 7.31M | 8.52M | 10.72M | 10.5M | 20.31M |
| Other Non-interest Income Growth | - | 16.47% | 25.92% | -2.05% | 93.41% |
| Debt Card Processing Fees | 10.28M | 12.12M | 12.64M | 13.47M | 14.18M |
| Debt Card Processing Fees Growth | - | 17.91% | 4.34% | 6.52% | 5.26% |
| Insurance Commissions | 94.5M | 94.7M | 99.23M | - | - |
| Insurance Commissions Growth | - | 0.22% | 4.78% | - | - |
Eastern Bankshares, Inc. (EBC) has a price-to-earnings (P/E) ratio of 28.8x. This suggests investors expect higher future growth.
Eastern Bankshares, Inc. (EBC) grew revenue by 91.6% over the past year. This is strong growth.
Yes, Eastern Bankshares, Inc. (EBC) is profitable, generating $49.5M in net income for fiscal year 2024 (11.2% net margin).
Yes, Eastern Bankshares, Inc. (EBC) pays a dividend with a yield of 2.38%. This makes it attractive for income-focused investors.
Eastern Bankshares, Inc. (EBC) has a return on equity (ROE) of 3.6%. This is below average, suggesting room for improvement.
Eastern Bankshares, Inc. (EBC) has a net interest margin (NIM) of 2.4%. NIM has been under pressure due to interest rate environment.
Eastern Bankshares, Inc. (EBC) has an efficiency ratio of 47.5%. This is excellent, indicating strong cost control.