EBC · Eastern Bankshares, Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $37.15M | - | $32.97M | $32.53M | $31.13M | - | $30.12M | $28.88M | $20.43M | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | $15.59M | - | - | - | $10.49M | - | - | - | $3.33M | - |
| Operating Income | $83.83M | - | $93.97M | $100.32M | ($183.94M) | - | ($3.35M) | $38.00M | $48.94M | - |
| Interest Expense | - | - | - | - | - | - | $96.16M | $78.73M | $72.71M | - |
| Income Tax | $18.57M | - | ($12.18M) | $87.0K | $33.73M | - | $2.83M | $11.67M | $10.29M | - |
| Net Income | $65.26M | - | $106.14M | $100.23M | ($217.67M) | - | ($6.19M) | $26.33M | $38.65M | - |
| EPS - Basic | $0.29 | - | $0.53 | $0.50 | ($1.09) | - | ($0.03) | $0.16 | $0.24 | - |
| EPS - Diluted | $0.29 | - | $0.53 | $0.50 | ($1.08) | - | ($0.03) | $0.16 | $0.24 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $331.56M | $316.87M | $410.41M | $553.51M | $368.80M | $1.01B | $889.48M | $750.85M | $739.02M | $693.08M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $30.63B | $30.59B | $25.46B | $25.46B | $24.99B | $25.56B | $25.51B | $21.04B | $21.17B | $21.13B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $26.35B | $26.25B | $21.65B | $21.77B | $21.40B | $21.95B | $21.84B | $18.08B | $18.22B | $18.16B |
| Stockholders' Equity | $4.29B | $4.34B | $3.81B | $3.68B | $3.58B | $3.61B | $3.67B | $2.97B | $2.95B | $2.97B |
| Retained Earnings | $2.10B | $2.07B | $2.00B | $1.92B | $1.84B | $2.08B | $2.05B | $2.08B | $2.07B | $2.05B |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | ($9.47M) | - | - | - | $47.32M | - | - | - | $32.57M | - |
| Investing Cash Flow | ($12.86M) | - | - | - | ($81.34M) | - | - | - | ($43.79M) | - |
| Financing Cash Flow | $37.02M | - | - | - | ($604.06M) | - | - | - | $57.16M | - |
| CapEx | - | - | - | - | - | - | - | - | - | - |
| Free Cash Flow | - | - | - | - | - | - | - | - | - | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | 225.6% | - | 285.0% | 308.4% | -590.9% | - | -11.1% | 131.6% | 239.6% | - |
| EBITDA margin | 267.6% | - | - | - | -557.2% | - | - | - | 255.9% | - |
| Net margin | 175.7% | - | 321.9% | 308.2% | -699.2% | - | -20.5% | 91.2% | 189.2% | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | - | - | - | - | - | - | - | - | - | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 22.1% | - | -13.0% | 0.1% | - | - | - | 30.7% | 21.0% | - |
| Return on assets | 0.2% | - | 0.4% | 0.4% | -0.9% | - | -0.0% | 0.1% | 0.2% | - |
| Return on equity | 1.5% | - | 2.8% | 2.7% | -6.1% | - | -0.2% | 0.9% | 1.3% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | -0.0x | 0.5x | 0.7x | - |
| Equity multiplier | 7.15 | 7.05 | 6.69 | 6.91 | 6.97 | 7.08 | 6.95 | 7.09 | 7.17 | 7.10 |
| Liabilities / Assets | 0.86 | 0.86 | 0.85 | 0.86 | 0.86 | 0.86 | 0.86 | 0.86 | 0.86 | 0.86 |
| Efficiency | ||||||||||
| Asset turnover | 0.00 | - | 0.00 | 0.00 | 0.00 | - | 0.00 | 0.00 | 0.00 | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 67.4x | - | 34.2x | 30.5x | - | - | - | 87.4x | 57.4x | - |
| P / B | 1.0x | - | 1.0x | 0.8x | 0.9x | - | 0.9x | 0.8x | 0.8x | - |
| P / S | 117.6x | - | 109.8x | 93.4x | 106.1x | - | 107.6x | 79.1x | 110.1x | - |
| EV / EBITDA | 40.6x | - | - | - | - | - | - | - | 28.9x | - |
| Growth | ||||||||||
| Revenue growth (YoY) | 19.4% | - | 9.5% | 12.6% | 52.4% | - | 53.9% | -39.1% | -58.5% | - |
| Revenue CAGR (3y) | -8.9% | - | -8.0% | -10.4% | -13.9% | - | -8.7% | -10.8% | -22.1% | - |
| Revenue CAGR (5y) | -3.0% | - | -3.1% | -2.1% | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | - | - | - | 164.0% | - | - | - | -42.7% | - | - |
| Net income growth (YoY) | - | - | - | 280.7% | - | - | - | -45.9% | - | - |
| EPS growth (YoY) | - | - | - | 212.5% | - | - | - | -46.7% | - | - |
| EPS CAGR (3y) | - | - | 17.1% | 17.3% | - | - | - | -7.2% | -5.0% | - |
| EPS CAGR (5y) | 0.7% | - | - | - | - | - | - | - | - | - |
| FCF growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| FCF CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Book value growth (YoY) | 19.6% | 20.2% | 3.7% | 24.1% | 21.3% | 21.4% | 50.1% | 17.4% | 14.5% | 20.4% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Product / service
$134.09M totalInvestment Advisory Fees$69.92M · 52.1%
Service Charge On Deposit Accounts$35.03M · 26.1%
Card Income$18.26M · 13.6%
Other Non Interest Income$10.88M · 8.1%
Peer comparison
Same SIC group: Savings Institution, Federally Chartered
Comparing Eastern Bankshares against the 5 most active filers in the same SIC group.
Dividends
$0.39/share trailing 12 months · -18.7% YoY
| Ex-date | Per share |
|---|---|
| Mar 6, 2026 | $0.1300 |
| Dec 3, 2025 | $0.1300 |
| Sep 3, 2025 | $0.1300 |
| Jun 3, 2025 | $0.1300 |
| Mar 3, 2025 | $0.1200 |
| Dec 3, 2024 | $0.1200 |
| Sep 3, 2024 | $0.1100 |
| Jun 3, 2024 | $0.1100 |
| Feb 29, 2024 | $0.1100 |
| Nov 30, 2023 | $0.1100 |
| Aug 31, 2023 | $0.1000 |
| Jun 1, 2023 | $0.1000 |
| Mar 2, 2023 | $0.1000 |
| Dec 1, 2022 | $0.1000 |
| Sep 1, 2022 | $0.1000 |
| Jun 2, 2022 | $0.1000 |
| Mar 2, 2022 | $0.1000 |
| Dec 2, 2021 | $0.0800 |
| Sep 2, 2021 | $0.0800 |
| Jun 2, 2021 | $0.0800 |
| Mar 2, 2021 | $0.0600 |