Eastern Bankshares, Inc. (EBC) Earnings History
Elite Compounder8 years of earnings data (2018–2025) · 5-year EPS CAGR exceeds 18% — top-tier earnings quality
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Eastern Bankshares, Inc. (EBC) Earnings Overview
As of June 30, 2026, Eastern Bankshares, Inc. (EBC) reported trailing twelve-month net income of $371M, reflecting -39.4% year-over-year growth. The company earned $1.66 per diluted share over the past four quarters, with a net profit margin of 8.3%.
Looking at the long-term picture, EBC's 5-year EPS compound annual growth rate (CAGR) stands at +25.2%, indicating exceptional earnings growth. The company achieved its highest annual net income of $232M in fiscal 2023.
Eastern Bankshares, Inc. maintains positive profitability with a gross margin of 65.8%, operating margin of 9.4%, and net margin of 8.3%. The company continues to generate positive earnings from operations. View revenue history →
Compared to peers including INDB ($241M net income, 17.6% margin), NBTB ($184M net income, 19.5% margin), CNOB ($98M net income, 13.3% margin), EBC has room to improve margins relative to the peer group. Compare EBC vs INDB →
EBC Earnings vs Peers
Earnings metrics vs comparable public companies
EBC Historical Earnings Data (2018–2025)
8 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $88M | -26.2% | $100M | $0.40 | 8.3% | 9.4% |
| 2024 | $120M | -48.5% | $156M | $0.66 | 11.2% | 14.5% |
| 2023 | $232M | +16.2% | -$126M | $1.43 | 41.6% | -22.6% |
| 2022 | $200M | +29.2% | $238M | $1.21 | 29.3% | 34.9% |
| 2021 | $155M | +580.2% | $176M | $0.90 | 29.5% | 33.6% |
| 2020 | $23M | -83.2% | $36M | $0.13 | 3.9% | 6.2% |
| 2019 | $135M | +10.1% | $175M | $0.64 | 21.7% | 28.0% |
| 2018 | $123M | - | $158M | $0.58 | 20.7% | 26.6% |
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EBC — Frequently Asked Questions
Quick answers to the most common questions about buying EBC stock.
What is EBC earnings per share (EPS)?
EBC trailing twelve-month (TTM) diluted EPS is $1.66, reflecting -39.4% year-over-year growth. The 5-year EPS CAGR is +25.2%. Complete EPS history from 2018 to 2025 is available in the table on this page.
What is Eastern Bankshares, Inc.'s net income?
Eastern Bankshares, Inc. (EBC) trailing twelve-month net income is $371M as of 2025. Earnings declined -39.4% year-over-year. Eastern Bankshares, Inc. has been profitable for 8 consecutive years.
Is EBC profitable?
Yes, EBC is profitable with a TTM net income of $371M and a net profit margin of +8.3%. Eastern Bankshares, Inc. has generated profits for 8 consecutive years.
What is EBC's earnings growth rate?
EBC compound annual EPS growth rates (CAGR): 1-Year: -39.4%, 3-Year: -30.9%, 5-Year: +25.2%, 10-Year: N/A. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2018 to 2025.
What are EBC's profit margins?
Eastern Bankshares, Inc. net profit margin is +8.3%, operating margin is +9.4%, and gross margin is +65.8%. Margins are within a typical range for the sector. Return on Equity is +2.2%.
Is EBC growing earnings?
EBC earnings are declining — EPS fell -39.4% year-over-year. TTM net income dropped to $371M. This contrasts with the 5-year CAGR of +25.2%.
What was EBC's best earnings year?
Eastern Bankshares, Inc.'s highest annual net income on record is $232M, achieved in fiscal year 2023. Earnings history on this page spans 2018 to 2025 and includes all annual and quarterly figures.
What were EBC's earnings last quarter?
EBC's most recent reported quarter was Q1 2026. Net income was $65M with diluted EPS of $0.29. For a full breakdown of all quarters, see the quarterly earnings table on this page.