Eastern Bankshares, Inc. (EBC) Earnings History
Annual and quarterly earnings data from 2018 to 2025
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EBC EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
EBC Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 66.2% | 9.9% | 8.4% |
| 2024 | 62.0% | 14.5% | 11.2% |
| 2023 | 52.4% | -22.6% | 41.6% |
| 2022 | 91.9% | 34.9% | 29.3% |
| 2021 | 100.8% | 33.6% | 29.5% |
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Eastern Bankshares, Inc. (EBC) Earnings Overview
As of May 8, 2026, Eastern Bankshares, Inc. (EBC) reported trailing twelve-month net income of $88M, reflecting -39.4% year-over-year growth. The company earned $0.41 per diluted share over the past four quarters, with a net profit margin of 8.4%.
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 66.2%, operating margin of 9.9%, and net margin of 8.4%. The company continues to generate positive earnings from operations. View revenue history →
Compared to peers including INDB ($180M net income, 19.7% margin), NBTB ($169M net income, 19.5% margin), CNOB ($80M 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% | $104M | $0.40 | 8.4% | 9.9% |
| 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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Start ComparisonEBC — Frequently Asked Questions
Quick answers to the most common questions about buying EBC stock.
Is EBC growing earnings?
EBC EPS fell to $0.41, with earnings declining -39.4%. This contrasts with the 5-year CAGR of +25.2%. TTM net income dropped to $88M.
What are EBC's profit margins?
Eastern Bankshares, Inc. net margin is +8.4%, with operating margin at +9.9%. Margins sit within typical range for the sector.
How consistent are EBC's earnings?
EBC earnings data spans 2018-2025. The declining earnings trend is -39.4% YoY. Historical data enables comparison across business cycles.