insiderdelta
CoverageForm 410-K10-Q8-K13D13G13F

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.

Price · EBC

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Income Statement

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Revenue$134.09M$112.62M$76.87M$176.58M$164.20M$154.75M
Cost of Revenue------
Gross Profit------
R&D------
SG&A------
Total Operating Expenses----$2.49M-
D&A$46.94M$27.03M$12.29M$14.96M$14.48M$15.83M
Operating Income$99.51M$155.77M($126.00M)$256.69M$188.71M$35.90M
Interest Expense--$246.05M$37.13M$5.33M$12.08M
Income Tax$11.29M$36.20M($63.31M)$56.93M$34.05M$13.16M
Net Income$88.22M$119.56M$232.18M$199.76M$154.66M$22.74M
EPS - Basic$0.43$0.66$1.43$1.21$0.90$0.13
EPS - Diluted$0.43$0.66$1.43$1.21$0.90$0.13

Balance Sheet

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Cash & Equivalents$316.87M$1.01B$693.08M$169.50M$1.23B$311.15M
Accounts Receivable------
Inventory------
Accounts Payable------
Current Assets------
Total Assets$30.59B$25.56B$21.13B$22.65B$23.51B$11.38B
Current Liabilities------
Long-term Debt------
Total Liabilities$26.25B$21.95B$18.16B$20.18B$20.11B$12.54B
Stockholders' Equity$4.34B$3.61B$2.97B$2.47B$3.41B$1.33B
Retained Earnings$2.07B$2.08B$2.05B$1.88B$1.77B$1.67B

Cash Flow

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Operating Cash Flow$432.42M$283.84M$261.69M$229.94M$174.49M$69.85M
Investing Cash Flow($364.02M)$1.06B$2.40B($1.08B)($1.99B)($2.39B)
Financing Cash Flow($758.41M)($1.03B)($2.14B)($215.57M)$988.98M$4.01B
CapEx------
Free Cash Flow------

Ratios

MetricFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Profitability
Gross margin------
Operating margin74.2%138.3%-163.9%145.4%114.9%23.2%
EBITDA margin109.2%162.3%-147.9%153.8%123.7%33.4%
Net margin65.8%106.2%302.1%113.1%94.2%14.7%
Free cash flow margin------
FCF / Net income------
R&D / Revenue------
SG&A / Revenue------
Effective tax rate11.3%23.2%-37.5%22.2%18.0%36.7%
Return on assets0.3%0.5%1.1%0.9%0.7%0.2%
Return on equity2.0%3.3%7.8%8.1%4.5%1.7%
Return on invested capital------
Liquidity
Current ratio------
Quick ratio------
Cash ratio------
Leverage
Debt / Equity------
Debt / Assets------
Debt / EBITDA------
Interest coverage---0.5x6.9x35.4x3.0x
Equity multiplier7.057.087.109.166.908.55
Liabilities / Assets0.860.860.860.890.861.10
Efficiency
Asset turnover0.000.000.000.010.010.01
Inventory turnover------
Days sales outstanding------
Days inventory outstanding------
Days payable outstanding------
Cash conversion cycle------
Valuation
P / E42.9x26.1x9.9x14.3x22.4x125.5x
P / B0.9x0.9x0.8x1.2x1.0x2.1x
P / S28.1x27.9x30.0x16.2x21.2x18.1x
EV / EBITDA23.6x11.7x-9.9x11.0x48.2x
Growth
Revenue growth (YoY)19.1%46.5%-56.5%7.5%6.1%-
Revenue CAGR (3y)-8.8%-11.8%-20.8%---
Revenue CAGR (5y)-2.8%-----
Gross profit growth (YoY)------
Operating income growth (YoY)-36.1%--36.0%425.6%-
Net income growth (YoY)-26.2%-48.5%16.2%29.2%580.2%-
EPS growth (YoY)-34.8%-53.8%18.2%34.4%592.3%-
EPS CAGR (3y)-29.2%-9.8%122.4%---
EPS CAGR (5y)27.0%-----
FCF growth (YoY)------
FCF CAGR (5y)------
Book value growth (YoY)20.2%21.4%20.4%-27.4%156.0%-

Sales by segment

From XBRL dimensional facts in the 10-K period ending 2025-12-31.

Product / service

$134.09M total
Investment 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%

Stability scores

Piotroski F-score

FY 2025 · 9-point quality

3/9
Weak
  • ✓Net income positive
  • ✓Operating cash flow positive
  • ✗ROA improved YoY
  • ✓Cash flow > net income
  • -Long-term debt decreased
  • -Current ratio improved
  • ✗No share dilution
  • -Gross margin improved
  • ✗Asset turnover improved

Peer comparison

Same SIC group: Savings Institution, Federally Chartered

CompanyRevenue (last FY)Net marginROE
CLBK$580.0K8925.2%4.5%
AX$65.79M658.0%16.1%
WNEB--6.2%
PFS$73.11M398.3%10.3%
TFSL--4.8%

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-datePer 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