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Eastern Bankshares, Inc.

EBC Nasdaq Savings Institution, Federally Chartered Financials FY2018–FY2025

Revenue Total sales reported in the income statement.
$134M
19.1% vs prior year
Efficiency ratio Noninterest expense as a share of revenue. Lower is better for banks.
445.2%
6.2 pts
Net income Profit after all expenses, interest and tax.
$88.2M
26.2%
Return on equity Net income as a share of average shareholders' equity.
2.2%
1.4 pts
Market cap Last close times the latest diluted share count, so it is approximate.
—
P/E Last close divided by diluted earnings per share over the last four quarters.
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On $1.78 EPS (TTM)

What Eastern Bankshares, Inc. does

No business description yet.

Legal name
Eastern Bankshares, Inc.
Fiscal year ends
December 31, 2025
Latest annual report
10-K · Mar 2, 2026
Accession · CIK
0001628280-26-013126
0001810546

Revenue and margins

Eastern Bankshares, Inc. had $134M of revenue in fiscal 2025, up 19.1% on the year before.

Revenue
Revenue
Net interest income share and efficiency ratio
Net interest share Efficiency ratio
Net interest income share and efficiency ratio
Net interest share Efficiency ratio

Net income and earnings per share

Loss periods are shown in red.

Net income
Net income
Diluted EPS
Diluted EPS

Returns and efficiency

For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.

Return on equity, return on tangible equity and efficiency ratio
ROE ROTE Efficiency ratio

Dividends, buybacks and share count

Eastern Bankshares, Inc. returned $212M to shareholders in fiscal 2025. The diluted share count rose 12.2%.

Dividends and buybacks
Dividends Buybacks
Dividends and buybacks
Dividends Buybacks
Diluted shares outstanding (annual)

Balance sheet

Loans, deposits and capital at each fiscal year end.

Loans and deposits
Loans Deposits
Fiscal year endFY21FY22FY23FY24FY25
Loans, net $12.2B$13.4B$13.8B$17.5B$22.8B
Deposits $19.6B$19.0B$17.6B$21.3B$25.5B
Loans / deposits 61.9%70.7%78.4%82.3%89.3%
Total assets $23.5B$22.6B$21.1B$25.6B$30.6B
Shareholders' equity $3.4B$2.5B$3.0B$3.6B$4.3B
Goodwill $558M$558M$558M$915M$1.1B
Intangible assets $18.2M$10.4M$8.6M$135M$184M

Insider trades

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.

Bought, 12 months

$0.0M

0 insiders

Sold, 12 months

$0.0M

0 insiders

Of sales under plans

—

$0.0M

No open-market insider trades in the last 12 months.

8 years of figures

US$ millions unless stated. Hover a ratio's name for its definition.

Download CSV
Fiscal yearFY18FY19FY20FY21FY22FY23FY24FY25
Income statement
Revenue $164M $156M $155M $69.4M $77.3M $76.9M $113M $134M
Net interest income $390M $411M $401M $430M $568M $550M $608M $829M
Noninterest income $181M $182M $178M $97.4M $76.8M −$238M $124M −$106M
Noninterest expense $398M $413M $505M $361M $389M $419M $508M $597M
Provision for credit losses $15.1M $6.3M $38.8M — — — — —
Interest expense $25.1M $33.8M $12.1M $5.3M $37.1M $246M — —
Pretax income $158M $175M $35.9M $176M $238M −$126M $156M $99.5M
Income tax $34.9M $39.5M $13.2M $30.5M $51.7M −$63.3M $36.2M $11.3M
Net income $123M $135M $22.7M $155M $200M $232M $120M $88.2M
Net income to common — — $22.7M $155M $200M — — —
Diluted EPS $0.00 $0.00 $0.13 $0.90 $1.21 $1.43 $0.66 $0.43
Diluted shares — — 0.17B 0.17B 0.17B 0.16B 0.18B 0.20B
Cash flow
Cash from operations $205M $196M $69.9M $174M $230M $262M $284M $432M
Depreciation and amortization $20.1M $19.5M $15.8M $11.9M $12.0M $12.3M $27.0M $46.9M
Stock-based compensation $0.0M $0.0M $0.0M $0.0M $10.5M $16.0M $19.3M $16.9M
Acquisitions $11.5M $0.0M $1.4M $9.1M $0.0M $0.0M −$24.9M $1.4M
Share buybacks — $0.0M $0.0M $23.2M $202M $0.0M $27.7M $107M
Dividends paid — $0.0M $0.0M $51.6M $65.9M $66.7M $82.5M $106M
Dividends and buybacks — $0.0M $0.0M $74.8M $268M $66.7M $110M $212M
Balance sheet
Cash and short-term investments $260M $590M $4.0B $2.3B $233M $1.3B $1.9B $508M
Loans, net — $8.9B $9.6B $12.2B $13.4B $13.8B $17.5B $22.8B
Deposits — $9.6B $12.2B $19.6B $19.0B $17.6B $21.3B $25.5B
Property and equipment, net — $56.6M $48.7M $65.9M $62.5M $60.1M $64.6M $118M
Goodwill $369M $369M $369M $558M $558M $558M $915M $1.1B
Intangible assets — $8.7M $7.1M $18.2M $10.4M $8.6M $135M $184M
Total assets $11.4B $11.6B $16.0B $23.5B $22.6B $21.1B $25.6B $30.6B
Total liabilities $9.9B $10.0B $12.5B $20.1B $20.2B $18.2B $21.9B $26.2B
Shareholders' equity $1.4B $1.6B $3.4B $3.4B $2.5B $3.0B $3.6B $4.3B
Margins
Net margin 74.8% 86.5% 14.7% 222.8% 258.4% 302.1% 106.2% 65.8%
Net interest share of revenue 237.8% 263.3% 259.3% 619.1% 734.9% 716.1% 539.5% 617.9%
Efficiency ratio 242.6% 264.2% 326.3% 519.9% 502.8% 544.6% 451.4% 445.2%
Returns
Return on equity 8.6% 8.9% 0.9% 4.5% 6.8% 8.5% 3.6% 2.2%
Return on assets 1.1% 1.2% 0.2% 0.8% 0.9% 1.1% 0.5% 0.3%
Return on tangible equity 11.5% 11.1% 0.7% 5.5% 10.5% 9.6% 4.7% 2.9%
Growth
Revenue growth — −4.8% −0.9% −55.1% 11.3% −0.6% 46.5% 19.1%
Net income growth — 10.1% −83.2% 580.2% 29.2% 16.2% −48.5% −26.2%
EPS growth — — — 592.3% 34.4% 18.2% −53.8% −34.8%
Share count change — — — 0.3% −3.8% −2.0% 12.2% 12.2%
Financial health
Loans / deposits — 93.2% 78.9% 61.9% 70.7% 78.4% 82.3% 89.3%
Provision / loans — 0.1% 0.4% — — — — —
Capital allocation
Stock comp / revenue 0.0% 0.0% 0.0% 0.0% 13.6% 20.9% 17.1% 12.6%
Quality scores
Accruals ratio −0.7% −0.5% −0.3% −0.1% −0.1% −0.1% −0.7% −1.2%

Source: SEC EDGAR XBRL filings (CIK 0001810546). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.

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