Eastern Bankshares, Inc.
EBC Nasdaq· Savings Institution, Federally Chartered
Last close · Oct 26, 2026
$22.51
KIRA · Stoqly’s AI analyst, in plain words
- Eastern Bankshares, Inc. had $134M of revenue in fiscal 2025, up 19.1% on the year before. Over five years, revenue changed −2.8% a year on average.
- Eastern Bankshares, Inc. made $88.2M of net profit in fiscal 2025.
- Eastern Bankshares, Inc. returned $212M to shareholders in fiscal 2025. The diluted share count rose 12.2%.
- It earned 2.2% on shareholders’ money. Running costs took 445.2% of revenue (the efficiency ratio; lower is better).
Market cap
$4.9B
P/E
12.6x
Revenue
$134M
Net income
$88.2M
Return on equity
2.2%
Efficiency ratio
445.2%
Eastern Bankshares, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+19.1%
Yes. Sales grew 19.1% last year.
Does it make a profit?
65.8%
Yes. It keeps 65.8% of every sale as profit.
How lean are its costs?
445.2%
Costly. Running costs take 445.2% of revenue.
How much does it earn on its capital?
2.2%
Low. It earns 2.2% a year on shareholders’ money.
How is the share priced?
12.6x
One share costs 12.6 times its yearly profit per share.
What Eastern Bankshares, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 2, 2026
- Legal name
- Eastern Bankshares, Inc.
- CIK
- 0001810546
Eastern Bankshares, Inc. · EBC
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $69.4M | $77.3M | $76.9M | $113M | $134M |
| Revenue growth | −55.1% | 11.3% | −0.6% | 46.5% | 19.1% |
| Net interest income | $430M | $568M | $550M | $608M | $829M |
| Net income | $155M | $200M | $232M | $120M | $88.2M |
| Net margin | 222.8% | 258.4% | 302.1% | 106.2% | 65.8% |
| Diluted EPS | $0.90 | $1.21 | $1.43 | $0.66 | $0.43 |
| Cash | |||||
| Cash from operations | $174M | $230M | $262M | $284M | $432M |
| Dividends paid | $51.6M | $65.9M | $66.7M | $82.5M | $106M |
| Share buybacks | $23.2M | $202M | $0.0M | $27.7M | $107M |
| Share count change | 0.3% | −3.8% | −2.0% | 12.2% | 12.2% |
| Debt and strength | |||||
| Cash and short-term investments | $2.3B | $233M | $1.3B | $1.9B | $508M |
| Loans, net | $12.2B | $13.4B | $13.8B | $17.5B | $22.8B |
| Deposits | $19.6B | $19.0B | $17.6B | $21.3B | $25.5B |
| Shareholders' equity | $3.4B | $2.5B | $3.0B | $3.6B | $4.3B |
| Returns and quality | |||||
| Return on equity | 4.5% | 6.8% | 8.5% | 3.6% | 2.2% |
| Return on tangible equity | 5.5% | 10.5% | 9.6% | 4.7% | 2.9% |
| Efficiency ratio | 519.9% | 502.8% | 544.6% | 451.4% | 445.2% |
Insiders bought, 12 months
$1.4M
2 insiders
Insiders sold, 12 months
$9.4M
7 insiders
Of sales under plans
13%
$1.2M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Eastern Bankshares, Inc. · EBC
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $22.51 a share, the company is worth $4.9B: 12.6 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001810546). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.