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Eastern Bankshares (EBC) Financials

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$20.98 +0.24 (+1.16%)
As of 04:00 PM Eastern
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Annual Income Statements for Eastern Bankshares

Annual Income Statements for Eastern Bankshares

This table shows Eastern Bankshares' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 123 135 23 155 200 232 120 88
Consolidated Net Income / (Loss)		 123 135 23 155 200 232 120 88
Net Income / (Loss) Continuing Operations		 123 135 23 146 187 -63 120 88
Total Pre-Tax Income 		158 175 36 176 238 -126 156 100
Total Revenue		 571 594 580 527 645 313 732 723
Net Interest Income / (Expense)		 390 411 401 430 568 550 608 829
Total Interest Income		 415 445 413 435 605 796 947 1,164
Loans and Leases Interest Income		 369 402 372 368 476 652 808 1,009
Investment Securities Interest Income		 43 40 39 66 126 107 96 139
Federal Funds Sold and Securities Borrowed Interest Income		 3.41 2.98 1.76 1.89 3.27 37 42 16
Total Interest Expense		 25 34 12 5.33 37 246 339 336
Deposits Interest Expense		 17 27 11 5.17 29 226 337 332
Long-Term Debt Interest Expense		 7.74 6.45 0.76 0.17 8.51 20 1.77 3.25
Total Non-Interest Income		 181 182 178 97 77 -238 124 -106
Service Charges on Deposit Accounts		 27 27 22 24 30 29 32 35
Other Service Charges		 37 27 25 28 30 32 51 42
Net Realized & Unrealized Capital Gains on Investments		 2.60 4.11 7.35 10 3.10 -332 -14 -266
Investment Banking Income		 - - - - - 24 46 70
Other Non-Interest Income		 3.47 14 8.96 10 -11 9.04 8.79 13
Provision for Credit Losses		 15 6.30 39 -9.69 18 20 67 26
Total Non-Interest Expense		 398 413 505 361 389 419 508 597
Salaries and Employee Benefits		 239 252 262 228 233 253 288 336
Net Occupancy & Equipment Expense		 81 82 79 84 90 90 112 124
Marketing Expense		 11 9.62 8.88 8.50 9.29 7.59 7.75 9.63
Property & Liability Insurance Claims		 4.18 1.88 3.73 4.23 6.25 22 14 15
Other Operating Expenses		 59 60 149 37 48 44 72 78
Amortization Expense		 3.89 3.54 2.86 0.22 1.20 1.80 15 34
Income Tax Expense		 35 39 13 30 52 -63 36 11
Net Income / (Loss) Discontinued Operations		 - - - 9.13 13 295 0.00 0.00
Basic Earnings per Share		 $0.00 $0.00 $0.13 $0.90 $1.21 $1.43 $0.66 $0.43
Weighted Average Basic Shares Outstanding		 - - 186.76M 184.44M 176.17M 176.43M 212.99M 234.64M
Diluted Earnings per Share		 $0.00 $0.00 $0.13 $0.90 $1.21 $1.43 $0.66 $0.43
Weighted Average Diluted Shares Outstanding		 - - 186.76M 184.44M 176.17M 176.43M 212.99M 234.64M
Weighted Average Basic & Diluted Shares Outstanding		 - - 186.76M 184.44M 176.17M 176.43M 212.99M 234.64M
Cash Dividends to Common per Share		 - - - $0.07 $0.40 $0.41 $0.45 $0.51

Quarterly Income Statements for Eastern Bankshares

This table shows Eastern Bankshares' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 59 319 39 26 -6.19 61 -218 100 106 100 65
Consolidated Net Income / (Loss)		 59 319 39 26 -6.19 61 -218 100 106 100 65
Net Income / (Loss) Continuing Operations		 63 32 39 26 -6.19 61 -218 100 106 100 65
Total Pre-Tax Income 		47 34 49 38 -3.35 72 -184 100 94 89 84
Total Revenue		 156 160 158 154 203 217 -47 245 242 283 288
Net Interest Income / (Expense)		 137 133 130 129 170 179 189 202 200 237 245
Total Interest Income		 202 204 203 207 266 271 266 279 283 336 340
Loans and Leases Interest Income		 169 168 170 173 231 235 228 241 244 296 302
Investment Securities Interest Income		 26 25 25 24 24 24 33 36 36 35 37
Federal Funds Sold and Securities Borrowed Interest Income		 7.27 10 7.82 11 11 13 4.64 2.36 3.30 5.28 1.01
Total Interest Expense		 65 70 73 79 96 92 77 77 83 99 95
Deposits Interest Expense		 60 67 72 78 95 91 76 77 82 97 90
Long-Term Debt Interest Expense		 5.36 2.95 0.25 0.24 0.82 0.47 0.81 0.60 0.40 1.43 4.46
Total Non-Interest Income		 19 27 28 25 34 37 -236 43 41 46 44
Service Charges on Deposit Accounts		 7.40 7.51 7.51 7.93 8.14 8.43 8.32 8.24 8.55 9.93 9.93
Other Service Charges		 8.16 9.01 8.71 16 6.71 19 9.63 11 10 11 13
Net Realized & Unrealized Capital Gains on Investments		 -1.12 -0.88 -0.06 -7.29 0.18 -7.73 -271 0.88 0.97 1.55 1.01
Investment Banking Income		 - - 6.54 6.71 15 - 16 17 18 19 18
Other Non-Interest Income		 -1.52 4.97 4.99 1.76 3.59 -0.66 0.49 5.73 3.84 4.53 0.98
Provision for Credit Losses		 7.33 5.20 7.45 6.13 47 6.82 6.60 7.60 7.10 4.90 5.76
Total Non-Interest Expense		 102 121 101 110 160 138 130 137 140 189 199
Salaries and Employee Benefits		 61 68 64 65 81 79 80 81 84 92 102
Net Occupancy & Equipment Expense		 22 26 26 26 30 34 29 30 32 34 38
Marketing Expense		 1.77 2.69 1.52 1.91 1.54 2.82 1.73 2.43 2.67 2.80 2.70
Property & Liability Insurance Claims		 2.81 13 2.29 4.51 3.20 3.87 3.29 3.78 3.51 4.07 3.37
Other Operating Expenses		 14 11 6.73 12 38 10 8.80 13 11 46 41
Amortization Expense		 0.50 0.51 0.50 0.50 6.21 7.35 7.81 7.81 7.81 11 12
Income Tax Expense		 -16 2.31 10 12 2.84 11 34 0.09 -12 -10 19
Basic Earnings per Share		 $0.36 $1.97 $0.24 $0.16 ($0.03) $0.29 ($1.09) $0.50 $0.53 $0.49 $0.29
Weighted Average Basic Shares Outstanding		 176.43M 176.43M 176.63M 215.65M 214.66M 212.99M 211.09M 211.48M 210.80M 234.64M 231.14M
Diluted Earnings per Share		 $0.36 $1.97 $0.24 $0.16 ($0.03) $0.29 ($1.08) $0.50 $0.53 $0.48 $0.29
Weighted Average Diluted Shares Outstanding		 176.43M 176.43M 176.63M 215.65M 214.66M 212.99M 211.09M 211.48M 210.80M 234.64M 231.14M
Weighted Average Basic & Diluted Shares Outstanding		 176.43M 176.43M 176.63M 215.65M 214.66M 212.99M 211.09M 211.48M 210.80M 234.64M 231.14M
Cash Dividends to Common per Share		 $0.10 - $0.11 $0.11 $0.11 - $0.12 $0.13 $0.13 - $0.13

Annual Cash Flow Statements for Eastern Bankshares

This table details how cash moves in and out of Eastern Bankshares' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -51 103 1,691 -822 -1,062 524 314 -690
Net Cash From Operating Activities		 205 196 70 174 230 262 284 432
Net Cash From Continuing Operating Activities		 205 196 70 178 213 385 284 432
Net Income / (Loss) Continuing Operations		 123 135 23 155 187 -63 120 88
Consolidated Net Income / (Loss)		 123 135 23 155 200 232 120 88
Net Income / (Loss) Discontinued Operations		 - - - - 13 295 0.00 0.00
Provision For Loan Losses		 15 6.30 39 -9.69 18 20 67 26
Depreciation Expense		 20 19 16 12 12 12 27 47
Amortization Expense		 4.75 8.19 -25 -43 17 13 -9.02 -56
Non-Cash Adjustments to Reconcile Net Income		 -4.80 -2.48 82 17 26 374 85 312
Changes in Operating Assets and Liabilities, net		 47 30 -65 47 -46 29 -6.57 14
Net Cash From Discontinued Operating Activities		 - - - - 17 -124 0.00 0.00
Net Cash From Investing Activities		 -647 -145 -2,390 -1,986 -1,077 2,400 1,059 -364
Net Cash From Continuing Investing Activities		 -647 -145 -2,390 -1,981 -1,063 1,912 1,059 -364
Purchase of Property, Leasehold Improvements and Equipment		 -9.03 -7.19 -5.14 -5.73 -8.63 -8.14 -14 -19
Purchase of Investment Securities		 -829 -290 -2,118 -3,338 -2,636 -252 -388 -2,464
Sale of Property, Leasehold Improvements and Equipment		 - 0.00 0.00 22 17 0.00 15 0.00
Sale and/or Maturity of Investments		 193 294 464 971 1,583 2,638 1,515 2,179
Other Investing Activities, net		 -3.27 -142 -731 369 -19 -466 -69 -59
Net Cash From Discontinued Investing Activities		 - - - - -13 489 0.00 0.00
Net Cash From Financing Activities		 391 52 4,012 989 -216 -2,138 -1,029 -758
Net Cash From Continuing Financing Activities		 391 52 4,012 989 -215 -2,137 -1,029 -758
Net Change in Deposits		 584 152 2,604 1,098 -654 -1,378 -176 -182
Repayment of Debt		 -192 -99 0.00 -34 - - -742 -369
Repurchase of Common Equity		 - 0.00 0.00 -23 -202 0.00 -28 -107
Payment of Dividends		 - 0.00 0.00 -52 -66 -67 -83 -106
Other Financing Activities, Net		 -1.17 -1.06 -178 - 0.00 0.00 -0.94 4.99
Net Cash From Discontinued Financing Activities		 - - - - -0.67 -0.96 0.00 0.00
Cash Interest Paid		 24 34 14 5.35 35 232 316 333
Cash Income Taxes Paid		 30 31 35 43 42 66 19 -2.51

Quarterly Cash Flow Statements for Eastern Bankshares

This table details how cash moves in and out of Eastern Bankshares' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -265 84 46 12 139 117 -638 185 -143 -94 15
Net Cash From Operating Activities		 36 53 33 54 108 89 47 124 157 104 -9.47
Net Cash From Continuing Operating Activities		 45 189 33 54 108 89 47 124 157 104 -9.47
Net Income / (Loss) Continuing Operations		 63 32 39 26 -6.19 61 -218 100 106 100 65
Consolidated Net Income / (Loss)		 59 319 39 26 -6.19 61 -218 100 106 100 65
Provision For Loan Losses		 7.33 5.20 7.45 6.13 47 6.82 6.60 7.60 7.10 4.90 5.76
Depreciation Expense		 2.99 3.25 3.33 3.41 10 10 10 11 11 15 16
Amortization Expense		 3.16 3.16 3.47 4.41 -8.01 -8.89 -11 -15 -8.92 -21 -17
Non-Cash Adjustments to Reconcile Net Income		 -9.45 87 18 14 24 28 214 32 23 44 15
Changes in Operating Assets and Liabilities, net		 -22 37 -38 -0.05 41 -8.40 45 -11 19 -38 -95
Net Cash From Investing Activities		 109 545 -44 108 1,025 -30 -81 -324 -163 204 -13
Net Cash From Continuing Investing Activities		 109 56 -44 108 1,025 -30 -81 -324 -163 204 -13
Purchase of Property, Leasehold Improvements and Equipment		 -2.10 -3.85 -2.49 -4.03 -1.73 -5.30 -1.80 -4.57 -8.78 -4.28 -3.05
Purchase of Investment Securities		 -81 -16 -3.79 - -0.82 -409 -1,362 -75 -33 -994 -326
Sale and/or Maturity of Investments		 369 147 91 184 1,016 223 1,438 155 147 438 158
Other Investing Activities, net		 -177 -72 -129 -72 -14 146 -155 -400 -268 764 158
Net Cash From Financing Activities		 -409 -513 57 -151 -994 59 -604 385 -138 -402 37
Net Cash From Continuing Financing Activities		 -409 -513 57 -151 -994 59 -604 385 -138 -402 37
Net Change in Deposits		 -757 172 73 -129 -195 75 -522 424 -103 20 -366
Repayment of Debt		 - - - - - - - - - - 502
Repurchase of Common Equity		 - - 0.00 - - -15 -46 -5.47 - -55 -73
Payment of Dividends		 -16 -18 -18 -18 -22 -24 -24 -26 -26 -29 -29
Other Financing Activities, Net		 - - - - - - 0.00 - - 4.99 2.42
Cash Interest Paid		 61 66 63 87 84 81 69 87 74 103 112
Cash Income Taxes Paid		 2.00 42 7.15 12 -0.30 -0.48 1.00 -1.68 -0.88 -0.96 1.07

Annual Balance Sheets for Eastern Bankshares

This table presents Eastern Bankshares' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 11,629 15,964 23,512 22,647 21,133 25,558 30,587
Cash and Due from Banks		 136 117 145 106 87 93 126
Trading Account Securities		 1,509 3,184 8,511 7,167 4,857 4,442 4,425
Loans and Leases, Net of Allowance		 8,899 9,594 12,157 13,420 13,799 17,549 22,753
Loans and Leases		 8,981 9,707 12,255 13,563 13,948 17,778 23,085
Allowance for Loan and Lease Losses		 82 113 98 142 149 229 332
Loans Held for Sale		 0.03 1.14 1.21 4.54 1.12 0.37 23
Premises and Equipment, Net		 57 49 81 62 60 67 120
Intangible Assets		 378 377 650 568 566 1,050 1,301
Other Assets		 650 2,643 14,124 1,304 1,753 2,308 1,823
Total Liabilities & Shareholders' Equity		 11,629 15,964 23,512 22,647 21,133 25,558 30,587
Total Liabilities		 10,029 12,536 20,106 20,175 18,158 21,946 26,246
Interest Bearing Deposits		 9,567 12,169 19,649 18,997 17,618 21,319 25,471
Long-Term Debt		 19 15 14 704 18 18 200
Other Long-Term Liabilities		 242 352 443 460 514 560 561
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 1,600 3,428 3,406 2,472 2,975 3,612 4,341
Total Preferred & Common Equity		 1,600 3,428 3,406 2,472 2,975 3,612 4,341
Total Common Equity		 1,600 3,428 3,406 2,472 2,975 3,612 4,341
Common Stock		 0.00 1,856 1,837 1,651 1,668 2,240 2,623
Retained Earnings		 1,644 1,666 1,769 1,882 2,048 2,085 2,067
Accumulated Other Comprehensive Income / (Loss)		 -44 54 -57 -923 -608 -584 -227
Other Equity Adjustments		 0.00 -148 -143 -138 -133 -128 -123

Quarterly Balance Sheets for Eastern Bankshares

This table presents Eastern Bankshares' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 22,043 22,721 21,583 21,146 21,175 21,044 25,507 24,986 25,456 25,458 30,633
Cash and Due from Banks		 103 98 105 73 71 73 98 129 159 117 111
Trading Account Securities		 7,327 5,171 4,985 4,717 4,731 4,535 4,591 4,445 4,395 4,325 4,573
Loans and Leases, Net of Allowance		 12,753 13,521 13,799 13,745 13,907 13,954 17,502 17,691 18,083 18,333 22,596
Loans and Leases		 12,885 13,662 13,947 13,900 14,056 14,110 17,756 17,916 18,315 18,566 22,924
Allowance for Loan and Lease Losses		 132 141 148 155 149 156 254 224 232 233 328
Loans Held for Sale		 0.95 3.07 2.84 24 2.20 1.31 1.99 8.06 0.00 0.71 26
Premises and Equipment, Net		 63 61 60 59 60 61 79 65 66 72 118
Intangible Assets		 662 660 659 567 566 565 1,058 1,042 1,035 1,027 1,289
Other Assets		 1,134 3,194 1,973 1,945 1,827 1,844 2,154 1,571 1,697 1,569 1,891
Total Liabilities & Shareholders' Equity		 22,043 22,721 21,583 21,146 21,175 21,044 25,507 24,986 25,456 25,458 30,633
Total Liabilities		 19,627 20,141 19,057 18,700 18,222 18,077 21,836 21,403 21,772 21,652 26,347
Interest Bearing Deposits		 18,755 18,567 18,204 17,449 17,691 17,558 21,246 20,797 21,221 21,117 25,105
Long-Term Debt		 384 1,101 314 674 18 17 17 20 27 26 689
Other Long-Term Liabilities		 471 461 525 560 502 490 548 551 503 495 524
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 2,416 2,579 2,527 2,447 2,953 2,967 3,671 3,583 3,684 3,806 4,286
Total Preferred & Common Equity		 2,416 2,579 2,527 2,447 2,953 2,967 3,671 3,583 3,684 3,806 4,286
Total Common Equity		 2,416 2,579 2,527 2,447 2,953 2,967 3,671 3,583 3,684 3,806 4,286
Common Stock		 1,678 1,653 1,659 1,663 1,671 1,675 2,248 2,191 2,192 2,196 2,552
Retained Earnings		 1,856 1,672 1,704 1,747 2,068 2,077 2,048 1,843 1,917 1,997 2,104
Accumulated Other Comprehensive Income / (Loss)		 -979 -610 -701 -830 -655 -654 -496 -324 -300 -264 -248
Other Equity Adjustments		 -139 -136 -135 -134 -132 -130 -129 -127 -125 -124 -122

Annual Metrics And Ratios for Eastern Bankshares

This table displays calculated financial ratios and metrics derived from Eastern Bankshares' official financial filings.

Metric 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 - - - - - - - 210,797,930.00
DEI Adjusted Shares Outstanding		 - - - - - - - 210,797,930.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - 0.42
Growth Metrics		 - - - - - - - -
Revenue Growth		 0.00% 4.02% -2.35% -9.03% 22.29% -51.51% 133.97% -1.21%
EBITDA Growth		 0.00% 10.87% -86.72% 441.46% 83.69% -137.83% 272.02% -47.75%
EBIT Growth		 0.00% 10.77% -79.44% 390.22% 35.36% -152.89% 223.63% -36.12%
NOPAT Growth		 0.00% 10.08% -83.17% 540.03% 28.16% -147.29% 235.56% -26.21%
Net Income Growth		 0.00% 10.08% -83.17% 580.20% 29.16% 16.23% -48.50% -26.21%
EPS Growth		 0.00% 0.00% 0.00% 592.31% 34.44% 18.18% -53.85% -34.85%
Operating Cash Flow Growth		 0.00% -4.29% -64.40% 149.80% 31.78% 13.81% 8.46% 52.35%
Free Cash Flow Firm Growth		 0.00% 0.00% -21.35% 109.32% 156.81% -77.94% -644.16% -58.95%
Invested Capital Growth		 0.00% 0.00% 112.63% -0.65% -7.15% -5.77% 21.28% 25.09%
Revenue Q/Q Growth		 0.00% 0.00% 0.00% -12.82% 7.18% 15.14% 8.37% 10.21%
EBITDA Q/Q Growth		 0.00% 0.00% 0.00% 91.28% 23.52% -2.58% 23.46% 12.37%
EBIT Q/Q Growth		 0.00% 0.00% 0.00% 60.38% 7.07% -1.08% 32.67% 20.58%
NOPAT Q/Q Growth		 0.00% 0.00% 0.00% 92.72% 2.79% -1.08% 32.41% 78.29%
Net Income Q/Q Growth		 0.00% 0.00% 0.00% 104.81% 3.74% 627.29% -68.31% 78.29%
EPS Q/Q Growth		 0.00% 0.00% 0.00% 8.43% 6.14% 629.63% -71.79% 79.17%
Operating Cash Flow Q/Q Growth		 0.00% 0.00% 5.95% -4.46% -16.05% 23.22% 14.51% 3.68%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 0.00% 0.00% -47.73% 123.36% -8.22% -780.08%
Invested Capital Q/Q Growth		 0.00% 0.00% 0.00% -0.67% 13.41% -4.09% -1.60% 18.50%
Profitability Metrics		 - - - - - - - -
EBITDA Margin		 31.97% 34.07% 4.63% 27.57% 41.42% -32.31% 23.76% 12.57%
EBIT Margin		 27.62% 29.41% 6.19% 33.38% 36.95% -40.30% 21.29% 13.77%
Profit (Net Income) Margin		 21.51% 22.76% 3.92% 29.33% 30.98% 74.26% 16.34% 12.21%
Tax Burden Percent		 77.87% 77.39% 63.34% 87.88% 83.85% -184.27% 76.76% 88.66%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 22.13% 22.62% 36.66% 17.31% 21.71% 0.00% 23.24% 11.34%
Return on Invested Capital (ROIC)		 0.00% 16.69% 0.90% 4.24% 5.66% -2.86% 3.61% 2.16%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 16.69% 0.90% 68.02% 9.34% 85.91% 3.61% 2.16%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 0.20% 0.01% 0.29% 1.14% 11.39% 0.02% 0.06%
Return on Equity (ROE)		 0.00% 16.89% 0.90% 4.53% 6.80% 8.53% 3.63% 2.22%
Cash Return on Invested Capital (CROIC)		 0.00% -183.31% -71.15% 4.89% 13.07% 3.08% -15.63% -20.13%
Operating Return on Assets (OROA)		 0.00% 1.50% 0.26% 0.89% 1.03% -0.58% 0.67% 0.35%
Return on Assets (ROA)		 0.00% 1.16% 0.16% 0.78% 0.87% 1.06% 0.51% 0.31%
Return on Common Equity (ROCE)		 0.00% 16.89% 0.90% 4.53% 6.80% 8.53% 3.63% 2.22%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 8.44% 0.66% 4.54% 8.08% 7.80% 3.31% 2.03%
Net Operating Profit after Tax (NOPAT)		 123 135 23 146 187 -88 120 88
NOPAT Margin		 21.51% 22.76% 3.92% 27.60% 28.93% -28.21% 16.34% 12.21%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% -63.78% -3.69% -88.77% 0.00% 0.00%
SG&A Expenses to Revenue		 58.04% 58.00% 60.34% 60.65% 51.61% 112.56% 59.06% 65.02%
Operating Expenses to Revenue		 69.73% 69.53% 87.11% 68.46% 60.27% 133.89% 69.50% 82.60%
Earnings before Interest and Taxes (EBIT)		 158 175 36 176 238 -126 156 100
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 182 202 27 145 267 -101 174 91
Valuation Ratios		 - - - - - - - -
Price to Book Value (P/BV)		 0.00 1.12 0.82 1.03 1.16 0.82 1.03 0.90
Price to Tangible Book Value (P/TBV)		 0.00 1.47 0.92 1.28 1.51 1.01 1.45 1.28
Price to Revenue (P/Rev)		 3.14 3.02 4.83 6.67 4.44 7.78 5.06 5.38
Price to Earnings (P/E)		 14.61 13.27 123.14 22.73 14.34 10.48 30.97 44.04
Dividend Yield		 0.00% 0.00% 0.00% 1.59% 2.47% 2.97% 2.61% 2.77%
Earnings Yield		 6.84% 7.53% 0.81% 4.40% 6.97% 9.55% 3.23% 2.27%
Enterprise Value to Invested Capital (EV/IC)		 0.00 1.04 0.78 0.99 1.09 0.79 1.00 0.87
Enterprise Value to Revenue (EV/Rev)		 0.00 2.82 4.65 6.42 5.37 7.56 4.96 5.48
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 8.29 100.48 23.28 12.97 0.00 20.88 43.59
Enterprise Value to EBIT (EV/EBIT)		 0.00 9.60 75.15 19.23 14.54 0.00 23.29 39.78
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 12.41 118.66 23.26 18.57 0.00 30.34 44.87
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 8.54 38.63 19.40 15.06 9.03 12.78 9.15
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 20.17 8.04 24.85 0.00 0.00
Leverage & Solvency		 - - - - - - - -
Debt to Equity		 0.00 0.01 0.00 0.00 0.28 0.01 0.00 0.05
Long-Term Debt to Equity		 0.00 0.01 0.00 0.00 0.28 0.01 0.00 0.05
Financial Leverage		 0.00 0.01 0.01 0.00 0.12 0.13 0.01 0.03
Leverage Ratio		 0.00 7.27 5.49 5.78 7.85 8.04 7.09 7.06
Compound Leverage Factor		 0.00 7.27 5.49 5.78 7.85 8.04 7.09 7.06
Debt to Total Capital		 0.00% 1.17% 0.42% 0.41% 22.17% 0.59% 0.48% 4.40%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 1.17% 0.42% 0.41% 22.17% 0.59% 0.48% 4.40%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 0.00% 98.83% 99.58% 99.59% 77.83% 99.41% 99.52% 95.60%
Debt to EBITDA		 0.00 0.09 0.54 0.10 2.64 -0.18 0.10 2.20
Net Debt to EBITDA		 0.00 -0.58 -3.80 -0.90 2.24 0.69 -0.43 0.81
Long-Term Debt to EBITDA		 0.00 0.09 0.54 0.10 2.64 -0.18 0.10 2.20
Debt to NOPAT		 0.00 0.14 0.64 0.10 3.78 -0.20 0.15 2.26
Net Debt to NOPAT		 0.00 -0.86 -4.48 -0.90 3.21 0.79 -0.63 0.83
Long-Term Debt to NOPAT		 0.00 0.14 0.64 0.10 3.78 -0.20 0.15 2.26
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - -
Cash Flow Metrics		 - - - - - - - -
Free Cash Flow to Firm (FCFF)		 0.00 -1,484 -1,801 168 431 95 -517 -822
Operating Cash Flow to CapEx		 2,269.30% 2,730.25% 1,357.91% 0.00% 0.00% 3,214.89% 0.00% 2,225.07%
Free Cash Flow to Firm to Interest Expense		 0.00 -43.97 -149.11 31.48 11.61 0.39 -1.53 -2.45
Operating Cash Flow to Interest Expense		 8.16 5.81 5.78 32.73 6.19 1.06 0.84 1.29
Operating Cash Flow Less CapEx to Interest Expense		 7.80 5.60 5.36 35.77 6.43 1.03 0.84 1.23
Efficiency Ratios		 - - - - - - - -
Asset Turnover		 0.00 0.05 0.04 0.03 0.03 0.01 0.03 0.03
Fixed Asset Turnover		 0.00 10.33 10.85 8.09 8.99 5.10 11.54 7.74
Capital & Investment Metrics		 - - - - - - - -
Invested Capital		 0.00 1,619 3,443 3,420 3,176 2,993 3,630 4,540
Invested Capital Turnover		 0.00 0.73 0.23 0.15 0.20 0.10 0.22 0.18
Increase / (Decrease) in Invested Capital		 0.00 1,619 1,824 -22 -244 -183 637 911
Enterprise Value (EV)		 0.00 1,676 2,698 3,385 3,463 2,363 3,628 3,959
Market Capitalization		 1,793 1,793 2,800 3,516 2,865 2,432 3,703 3,885
Book Value per Share		 $0.00 $8.92 $18.36 $18.24 $13.99 $16.86 $16.83 $20.59
Tangible Book Value per Share		 $0.00 $6.82 $16.34 $14.76 $10.78 $13.65 $11.93 $14.42
Total Capital		 0.00 1,619 3,443 3,420 3,176 2,993 3,630 4,540
Total Debt		 0.00 19 15 14 704 18 18 200
Total Long-Term Debt		 0.00 19 15 14 704 18 18 200
Net Debt		 0.00 -117 -102 -131 598 -69 -75 74
Capital Expenditures (CapEx)		 9.03 7.19 5.14 -16 -8.69 8.14 -1.58 19
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 -9.13 -13 -320 0.00 0.00
Net Nonoperating Obligations (NNO)		 0.00 19 15 14 704 18 18 200
Total Depreciation and Amortization (D&A)		 25 28 -9.05 -31 29 25 18 -8.70
Earnings Adjustments		 - - - - - - - -
Adjusted Basic Earnings per Share		 $0.00 $0.00 $0.13 $0.90 $1.21 $1.43 $0.66 $0.43
Adjusted Weighted Average Basic Shares Outstanding		 0.00 0.00 186.76M 184.44M 176.17M 176.43M 212.99M 234.64M
Adjusted Diluted Earnings per Share		 $0.00 $0.00 $0.13 $0.90 $1.21 $1.43 $0.66 $0.43
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 0.00 186.76M 184.44M 176.17M 176.43M 212.99M 234.64M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 0.00 186.76M 184.44M 176.17M 176.43M 212.99M 234.64M
Normalized Net Operating Profit after Tax (NOPAT)		 123 138 23 146 187 -88 120 88
Normalized NOPAT Margin		 21.51% 23.18% 3.92% 27.60% 28.93% -28.21% 16.34% 12.21%
Pre Tax Income Margin		 27.62% 29.41% 6.19% 33.38% 36.95% -40.30% 21.29% 13.77%
Debt Service Ratios		 - - - - - - - -
EBIT to Interest Expense		 6.27 5.17 2.97 33.01 6.42 -0.51 0.46 0.30
NOPAT to Interest Expense		 4.89 4.00 1.88 27.29 5.02 -0.36 0.35 0.26
EBIT Less CapEx to Interest Expense		 5.91 4.96 2.55 36.06 6.65 -0.55 0.46 0.24
NOPAT Less CapEx to Interest Expense		 4.53 3.79 1.46 30.34 5.26 -0.39 0.36 0.20
Payout Ratios		 - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 33.34% 32.98% 28.72% 69.04% 119.83%
Augmented Payout Ratio		 0.00% 0.00% 0.00% 48.35% 133.91% 28.72% 92.19% 240.66%

Quarterly Metrics And Ratios for Eastern Bankshares

This table displays calculated financial ratios and metrics derived from Eastern Bankshares' official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - - - - 210,797,930.00 234,637,772.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - 210,797,930.00 234,637,772.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - 0.47 0.28
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -8.93% 34.57% 191.87% -8.22% 30.07% 35.30% -129.96% 59.02% 18.74% 30.92% 710.38%
EBITDA Growth		 -22.49% -24.03% 121.34% -31.07% -102.04% 82.18% -430.42% 109.11% 8,895.78% 13.63% 144.87%
EBIT Growth		 -31.92% -3.84% 118.30% -37.04% -107.09% 113.42% -475.85% 163.99% 2,902.48% 23.53% 145.57%
NOPAT Growth		 20.18% 1.59% 120.64% -40.72% -103.70% 92.87% -433.16% 280.67% 4,622.35% 63.74% 150.69%
Net Income Growth		 7.92% 653.07% 119.91% -45.88% -110.47% -80.92% -663.22% 280.67% 1,815.32% 63.74% 129.98%
EPS Growth		 9.09% 629.63% 120.00% -46.67% -108.33% -85.28% -550.00% 212.50% 1,866.67% 65.52% 126.85%
Operating Cash Flow Growth		 -40.70% 1,434.61% -67.60% -25.05% 200.86% 68.16% 45.31% 128.20% 45.14% 17.32% -120.02%
Free Cash Flow Firm Growth		 -136.82% -22.04% 188.54% -82.81% -122.74% -368.26% -201.75% -431.20% 93.56% -40.77% -71.64%
Invested Capital Growth		 11.42% -5.77% -19.28% 5.07% 18.22% 21.28% 21.30% 24.32% 3.88% 25.09% 38.08%
Revenue Q/Q Growth		 -6.81% 2.36% -1.53% -2.28% 32.07% 6.47% -121.81% 618.61% -1.38% 17.39% 1.67%
EBITDA Q/Q Growth		 -19.63% -24.70% 38.38% -17.79% -102.38% 6,825.05% -351.26% 152.02% 0.06% -13.12% -0.79%
EBIT Q/Q Growth		 -21.66% -28.48% 44.71% -22.35% -108.82% 2,252.64% -354.84% 154.54% -6.33% -5.12% -5.98%
NOPAT Q/Q Growth		 42.88% -50.35% 22.65% -31.87% -108.91% 2,689.20% -311.87% 177.85% 5.90% -6.25% -34.42%
Net Income Q/Q Growth		 21.49% 438.80% -87.87% -31.87% -123.50% 1,082.08% -458.17% 146.05% 5.90% -6.25% -34.42%
EPS Q/Q Growth		 20.00% 447.22% -87.82% -33.33% -118.75% 1,066.67% -472.41% 146.30% 6.00% -9.43% -39.58%
Operating Cash Flow Q/Q Growth		 -50.31% 46.61% -38.28% 66.69% 99.45% -18.06% -46.66% 161.78% 26.85% -33.76% -109.10%
Free Cash Flow Firm Q/Q Growth		 -297.77% 183.83% 248.39% -115.74% -384.66% -0.95% -32.15% 17.84% 94.12% -2,105.11% -61.12%
Invested Capital Q/Q Growth		 9.83% -4.09% -0.74% 0.49% 23.57% -1.60% -0.73% 2.99% 3.25% 18.50% 9.58%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 34.17% 25.14% 35.37% 29.76% -0.54% 33.85% 0.00% 39.13% 39.70% 29.38% 28.67%
EBIT Margin		 30.24% 21.13% 31.05% 24.68% -1.65% 33.33% 0.00% 40.97% 38.91% 31.45% 29.09%
Profit (Net Income) Margin		 37.81% 199.01% 24.52% 17.10% -3.04% 28.06% 0.00% 40.93% 43.95% 35.10% 22.64%
Tax Burden Percent		 125.01% 941.79% 78.97% 69.29% 184.55% 84.20% 118.34% 99.91% 112.96% 111.61% 77.85%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 -34.21% 6.83% 21.03% 30.71% 0.00% 15.80% 0.00% 0.09% -12.96% -11.61% 22.15%
Return on Invested Capital (ROIC)		 3.72% 2.00% 4.73% 3.69% -0.23% 6.20% 0.00% 7.55% 7.66% 6.21% 5.59%
ROIC Less NNEP Spread (ROIC-NNEP)		 2.90% 81.52% 4.73% 3.69% -1.34% 6.20% 0.00% 7.55% 7.66% 6.21% 5.59%
Return on Net Nonoperating Assets (RNNOA)		 0.63% 10.80% 0.96% 0.22% -0.15% 0.03% 0.00% 0.05% 0.04% 0.17% 0.50%
Return on Equity (ROE)		 4.35% 12.80% 5.69% 3.91% -0.38% 6.23% 0.00% 7.60% 7.71% 6.38% 6.09%
Cash Return on Invested Capital (CROIC)		 -13.75% 3.08% 26.70% 0.54% -14.04% -15.63% -20.89% -21.99% -2.49% -20.13% -23.34%
Operating Return on Assets (OROA)		 0.38% 0.30% 0.91% 0.73% -0.05% 1.04% 0.00% 1.09% 1.00% 0.81% 1.11%
Return on Assets (ROA)		 0.48% 2.84% 0.72% 0.50% -0.09% 0.88% 0.00% 1.09% 1.13% 0.90% 0.86%
Return on Common Equity (ROCE)		 4.35% 12.80% 5.69% 3.91% -0.38% 6.23% 0.00% 7.60% 7.71% 6.38% 6.09%
Return on Equity Simple (ROE_SIMPLE)		 -1.80% 0.00% 15.74% 14.91% 10.28% 0.00% -3.82% -1.71% 1.30% 0.00% 8.66%
Net Operating Profit after Tax (NOPAT)		 63 32 39 26 -2.35 61 -129 100 106 100 65
NOPAT Margin		 40.59% 19.69% 24.52% 17.10% -1.15% 28.06% 0.00% 40.93% 43.95% 35.10% 22.64%
Net Nonoperating Expense Percent (NNEP)		 0.82% -79.52% 0.00% 0.00% 1.11% 0.00% 471.61% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 54.20% 60.24% 58.17% 61.84% 63.58% 53.50% 0.00% 46.04% 48.92% 45.41% 49.55%
Operating Expenses to Revenue		 65.07% 75.62% 64.22% 71.34% 78.55% 63.52% 0.00% 55.93% 58.15% 66.82% 68.92%
Earnings before Interest and Taxes (EBIT)		 47 34 49 38 -3.35 72 -184 100 94 89 84
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 53 40 56 46 -1.09 73 -184 96 96 83 83
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.88 0.82 0.82 0.83 0.96 1.03 0.97 0.88 1.01 0.90 1.07
Price to Tangible Book Value (P/TBV)		 1.14 1.01 1.01 1.03 1.35 1.45 1.37 1.22 1.38 1.28 1.53
Price to Revenue (P/Rev)		 7.89 7.78 3.76 3.93 5.24 5.06 6.63 5.22 5.85 5.38 4.34
Price to Earnings (P/E)		 0.00 10.48 5.19 5.58 9.37 30.97 0.00 0.00 77.57 44.04 12.37
Dividend Yield		 3.29% 2.97% 3.07% 3.08% 2.68% 2.61% 2.80% 3.14% 2.75% 2.77% 2.66%
Earnings Yield		 0.00% 9.55% 19.28% 17.92% 10.67% 3.23% 0.00% 0.00% 1.29% 2.27% 8.09%
Enterprise Value to Invested Capital (EV/IC)		 0.88 0.79 0.79 0.81 0.94 1.00 0.94 0.83 0.98 0.87 1.04
Enterprise Value to Revenue (EV/Rev)		 10.10 7.56 3.67 3.84 5.12 4.96 6.43 5.01 5.71 5.48 4.88
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 10.92 12.36 24.54 20.88 0.00 0.00 46.36 43.59 14.45
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 12.38 14.36 29.41 23.29 0.00 0.00 45.40 39.78 14.07
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 13.24 15.09 38.25 30.34 0.00 0.00 75.72 44.87 13.92
Enterprise Value to Operating Cash Flow (EV/OCF)		 12.91 9.03 12.17 13.75 13.93 12.78 11.34 8.40 8.98 9.15 13.76
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 24.85 2.66 152.23 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.28 0.01 0.01 0.01 0.00 0.00 0.01 0.01 0.01 0.05 0.16
Long-Term Debt to Equity		 0.28 0.01 0.01 0.01 0.00 0.00 0.01 0.01 0.01 0.05 0.16
Financial Leverage		 0.22 0.13 0.20 0.06 0.11 0.01 0.01 0.01 0.01 0.03 0.09
Leverage Ratio		 8.88 8.04 7.93 7.76 7.63 7.09 7.06 6.99 6.82 7.06 7.07
Compound Leverage Factor		 8.88 8.04 7.93 7.76 7.63 7.09 7.06 6.99 6.82 7.06 7.07
Debt to Total Capital		 21.59% 0.59% 0.59% 0.58% 0.47% 0.48% 0.56% 0.72% 0.68% 4.40% 13.85%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 21.59% 0.59% 0.59% 0.58% 0.47% 0.48% 0.56% 0.72% 0.68% 4.40% 13.85%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 78.41% 99.41% 99.41% 99.42% 99.53% 99.52% 99.44% 99.28% 99.32% 95.60% 86.15%
Debt to EBITDA		 -6.84 -0.18 0.08 0.09 0.12 0.10 -0.30 -1.66 0.32 2.20 1.93
Net Debt to EBITDA		 -6.10 0.69 -0.25 -0.28 -0.58 -0.43 1.64 8.17 -1.13 0.81 1.62
Long-Term Debt to EBITDA		 -6.84 -0.18 0.08 0.09 0.12 0.10 -0.30 -1.66 0.32 2.20 1.93
Debt to NOPAT		 -7.72 -0.20 0.10 0.11 0.19 0.15 -0.37 -2.59 0.52 2.26 1.86
Net Debt to NOPAT		 -6.89 0.79 -0.30 -0.35 -0.90 -0.63 2.01 12.74 -1.85 0.83 1.56
Long-Term Debt to NOPAT		 -7.72 -0.20 0.10 0.11 0.19 0.15 -0.37 -2.59 0.52 2.26 1.86
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -256 215 748 -118 -571 -576 -761 -626 -37 -811 -1,307
Operating Cash Flow to CapEx		 1,713.62% 1,370.39% 1,310.50% 1,348.00% 6,261.83% 1,674.58% 2,627.48% 2,711.84% 1,789.14% 2,430.69% -310.18%
Free Cash Flow to Firm to Interest Expense		 -3.94 3.05 10.29 -1.50 -5.94 -6.29 -9.91 -8.09 -0.44 -8.21 -13.77
Operating Cash Flow to Interest Expense		 0.55 0.75 0.45 0.69 1.13 0.97 0.62 1.60 1.90 1.05 -0.10
Operating Cash Flow Less CapEx to Interest Expense		 0.52 0.70 0.41 0.64 1.11 0.91 0.59 1.54 1.79 1.01 -0.13
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.01 0.01 0.03 0.03 0.03 0.03 0.02 0.03 0.03 0.03 0.04
Fixed Asset Turnover		 4.44 5.10 10.62 10.43 9.80 11.54 8.43 9.70 8.69 7.74 11.58
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 3,120 2,993 2,970 2,985 3,688 3,630 3,603 3,711 3,831 4,540 4,975
Invested Capital Turnover		 0.09 0.10 0.19 0.22 0.20 0.22 0.16 0.18 0.17 0.18 0.25
Increase / (Decrease) in Invested Capital		 320 -183 -710 144 568 637 633 726 143 911 1,372
Enterprise Value (EV)		 2,742 2,363 2,358 2,414 3,454 3,628 3,385 3,091 3,747 3,959 5,167
Market Capitalization		 2,142 2,432 2,412 2,469 3,534 3,703 3,493 3,223 3,838 3,885 4,590
Book Value per Share		 $13.87 $16.86 $16.72 $16.80 $17.02 $16.83 $16.82 $17.45 $17.99 $20.59 $18.27
Tangible Book Value per Share		 $10.66 $13.65 $13.51 $13.60 $12.12 $11.93 $11.93 $12.55 $13.14 $14.42 $12.77
Total Capital		 3,120 2,993 2,970 2,985 3,688 3,630 3,603 3,711 3,831 4,540 4,975
Total Debt		 674 18 18 17 17 18 20 27 26 200 689
Total Long-Term Debt		 674 18 18 17 17 18 20 27 26 200 689
Net Debt		 601 -69 -54 -55 -81 -75 -109 -132 -91 74 578
Capital Expenditures (CapEx)		 2.10 3.85 2.49 4.03 1.73 5.30 1.80 4.57 8.78 4.28 3.05
Net Nonoperating Expense (NNE)		 4.35 -287 0.00 0.00 3.84 0.00 89 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 674 18 18 17 17 18 20 27 26 200 689
Total Depreciation and Amortization (D&A)		 6.15 6.42 6.80 7.82 2.26 1.13 -0.25 -4.50 1.91 -5.86 -1.19
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.36 $1.97 $0.24 $0.16 ($0.03) $0.29 ($1.09) $0.50 $0.53 $0.49 $0.29
Adjusted Weighted Average Basic Shares Outstanding		 176.43M 176.43M 176.63M 215.65M 214.66M 212.99M 211.09M 211.48M 210.80M 234.64M 231.14M
Adjusted Diluted Earnings per Share		 $0.36 $1.97 $0.24 $0.16 ($0.03) $0.29 ($1.08) $0.50 $0.53 $0.48 $0.29
Adjusted Weighted Average Diluted Shares Outstanding		 176.43M 176.43M 176.63M 215.65M 214.66M 212.99M 211.09M 211.48M 210.80M 234.64M 231.14M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 176.43M 176.43M 176.63M 215.65M 214.66M 212.99M 211.09M 211.48M 210.80M 234.64M 231.14M
Normalized Net Operating Profit after Tax (NOPAT)		 33 32 39 26 -2.35 61 -129 100 66 62 65
Normalized NOPAT Margin		 21.17% 19.69% 24.52% 17.10% -1.15% 28.06% 0.00% 40.93% 27.24% 22.02% 22.64%
Pre Tax Income Margin		 30.24% 21.13% 31.05% 24.68% -1.65% 33.33% 0.00% 40.97% 38.91% 31.45% 29.09%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.73 0.48 0.67 0.48 -0.03 0.79 -2.39 1.30 1.14 0.90 0.88
NOPAT to Interest Expense		 0.98 0.45 0.53 0.33 -0.02 0.66 -1.68 1.30 1.28 1.01 0.69
EBIT Less CapEx to Interest Expense		 0.70 0.43 0.64 0.43 -0.05 0.73 -2.42 1.24 1.03 0.86 0.85
NOPAT Less CapEx to Interest Expense		 0.94 0.39 0.50 0.28 -0.04 0.61 -1.70 1.24 1.18 0.96 0.66
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 -147.21% 28.72% 14.71% 15.89% 20.21% 69.04% -64.89% -154.07% 203.09% 119.83% 29.76%
Augmented Payout Ratio		 -217.26% 28.72% 14.71% 15.89% 23.56% 92.19% -119.11% -280.74% 338.46% 240.66% 65.72%

Financials Breakdown Chart

Key Financial Trends

Eastern Bankshares (NASDAQ: EBC) has staged a notable recovery from the weak earnings environment seen in 2023, but its latest quarter also shows signs of pressure on core banking cash generation. In Q1 2026, the bank reported net income of $65.3 million, down from $99.5 million in Q4 2025 and $106.1 million in Q3 2025, though still well above the loss posted in Q1 2025. Revenue and loan income remain solid, but operating cash flow turned negative in the quarter, which is something investors should watch closely.

  • Profitability remains positive and meaningfully improved versus last year. Q1 2026 net income of $65.3 million was a major turnaround from the large Q1 2025 loss and shows the business is far healthier than it was a year ago.
  • Loan interest income remains strong. Q1 2026 loans and leases interest income was $301.8 million, supporting a total of $339.5 million in interest income.
  • Net interest income is still substantial. Eastern Bankshares generated $244.7 million in net interest income in Q1 2026, indicating the core spread business is intact.
  • Non-interest income added a meaningful boost. The bank produced $43.6 million in non-interest income in Q1 2026, including fees and investment banking revenue.
  • Credit costs were manageable relative to earnings. Provision for credit losses was $5.8 million in Q1 2026, not an outsized drag on results.
  • Capital levels appear solid. Total common equity was $4.29 billion at March 31, 2026, up sharply from $3.81 billion a year earlier.
  • Cash and equivalents improved modestly. Cash and due from banks rose to $111.4 million in Q1 2026 from $98.3 million in Q3 2025.
  • Revenue trend is mixed quarter to quarter. Total revenue in Q1 2026 was $288.2 million, above Q4 2025 but below the stronger Q3 2025 result.
  • Loan growth has been meaningful. Gross loans and leases increased to $22.9 billion in Q1 2026 from $17.9 billion in Q1 2025, suggesting the balance sheet has expanded.
  • Share count remains elevated versus 2024. Weighted average diluted shares were 231.1 million in Q1 2026, above the roughly 176-213 million range seen in 2024 and early 2025, which can dilute per-share growth.
  • Operating cash flow was negative in Q1 2026. Net cash from operating activities came in at negative $9.5 million, down sharply from positive $104.1 million in Q4 2025 and $157.1 million in Q3 2025.
  • Working capital swings were a major drag. Changes in operating assets and liabilities reduced cash by $94.5 million in the quarter, weighing heavily on operating cash generation.
  • Deposits declined sharply in the latest quarter. Net change in deposits was negative $365.5 million in Q1 2026, which could pressure liquidity if the trend continues.
  • Interest expense remains elevated. Cash interest paid was $111.6 million in Q1 2026, indicating funding costs are still high.
  • Non-interest expenses remain sizable. Q1 2026 total non-interest expense was $198.6 million, limiting how much of the bank’s revenue converts into profit.

Longer-term trend: Eastern Bankshares has clearly improved from the volatility of 2023 and the weak first quarter of 2025, when earnings were negative. The latest year shows better profitability, stronger core banking income, and a healthier equity base. However, the Q1 2026 cash flow statement is a reminder that bank earnings can look stronger than cash generation in the short term, especially when deposits move around and balance sheet items change quickly.

Bottom line: EBC appears to be in a much better earnings position than it was one year ago, but investors should keep an eye on deposit stability, operating cash flow, and expense discipline in future quarters.

06/23/26 10:09 PM ETAI Generated. May Contain Errors.

Eastern Bankshares Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Eastern Bankshares' financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Eastern Bankshares' net income appears to be on an upward trend, with a most recent value of $88.22 million in 2025, falling from $122.73 million in 2018. The previous period was $119.56 million in 2024. Find out what analysts predict for Eastern Bankshares in the coming months.

Over the last 7 years, Eastern Bankshares' total revenue changed from $570.64 million in 2018 to $722.65 million in 2025, a change of 26.6%.

Eastern Bankshares' total liabilities were at $26.25 billion at the end of 2025, a 19.6% increase from 2024, and a 161.7% increase since 2019.

In the past 6 years, Eastern Bankshares' cash and equivalents has ranged from $87.23 million in 2023 to $144.63 million in 2021, and is currently $126.10 million as of their latest financial filing in 2025.

Over the last 7 years, Eastern Bankshares' book value per share changed from 0.00 in 2018 to 20.59 in 2025, a change of 2,059.1%.


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Financial statements for NASDAQ:EBC last updated on 5/13/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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