Eastern Bankshares, Inc. EBC R2K

Financial Services · Banks - Regional · United States

https://www.easternbank.com

Eastern Bankshares, Inc. operates as the bank holding company for Eastern Bank that provides banking, trust, and investment services to retail, commercial, and small business customers in the United States. The company offers deposit accounts, interest checking accounts, money market accounts, savings accounts, and time certificates of deposit accounts. It also provides commercial and industrial products, such as asset based lending portfolio; commercial real estate and construction; small business, residential real estate, and home equity loans; lines of credit; and other consumer loans comprising unsecured personal lines of credit, overdraft protection, automobile loans, home improvement loans, airplane loans, and other personal loans. In addition, the company offers wealth management and trust services, financial planning, and portfolio management; and automated lock box collection, cash management, and account reconciliation services. Eastern Bankshares, Inc. was founded in 1818 and is headquartered in Boston, Massachusetts.

Market & Price

Market Cap

$4.24B

Current Price

$19.73

High / Low (52W)

$21.82 / $13.88

Beta

0.71

Valuation

Stock P/E

10.90

Industry PE

12.01

Forward P/E

9.10

PEG Ratio

Book Value

$19.29

Price to Book

1.02

P/S

4.11

EV/EBITDA

Dividend Yield

2.74%

Profitability & Returns

ROCE

ROE

9.43%

ROA

1.34%

Profit Margin

35.94%

Op Margin

45.88%

EPS (Latest Qtr)

$0.29

EPS (TTM)

$1.81

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$886.17M

Total Assets

$30.59B

Current Assets

Working Capital

Ownership

Promoter Holding

1.25%

Chg in Prom Hold

FII / Inst Holding

81.29%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$4.89B

Total Revenue (TTM)

$1.03B

EBITDA

Free Cash Flow

Operating Cash Flow

$375.63M

Shares Outstanding

214.98M

Gross Margin

0.00%

Payout Ratio

28.73%

Growth (CAGR)

Revenue 5Y

3.83%

Profit 5Y

-23.85%

Revenue (YoY)

Earnings (YoY)

PROS

Excellent profit margin of 35.9%.
Attractive dividend yield of 2.74%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

Earnings shrank at -23.8% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	EBC Eastern Bankshares, Inc. R2K	19.73	10.90	$4.24B	2.74%	-	9.43%	3.83%	-23.85%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	40.57M	38.53M	-	43.19M	36.08M	36.66M	-	43.72M	40.74M	39.55M	48.70M	45.22M	18.52M	17.68M	19.79M	19.57M	20.43M	28.88M	-	-	-52.93M	244.26M	239.98M	284.15M	280.68M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	76.81M	77.31M	82.77M	98.77M	94.89M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-183.94M	100.32M	93.97M	89.16M	83.83M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	33.73M	87.00K	-12.18M	-10.35M	18.57M
Net Income	32.97M	35.05M	35.84M	31.24M	8.45M	29.85M	28.50M	-44.06M	47.66M	34.81M	37.11M	51.52M	51.17M	54.78M	-194.10M	48.66M	59.11M	38.65M	26.33M	-	-	-217.67M	100.23M	106.14M	99.51M	65.26M
Diluted EPS	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-0.26	0.28	0.20	0.22	0.30	0.31	0.33	-1.20	0.30	0.36	0.24	0.16	-	-	-1.09	0.50	0.53	0.46	0.29

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	164.05M	156.22M	154.75M	-	644.80M	312.66M	724.84M	721.80M
Cost of Revenue	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	37.13M	246.05M	339.17M	335.65M
Pretax Income	-	-	-	-	238.23M	-126.00M	155.77M	99.51M
Tax Provision	-	-	-	-	51.72M	-63.31M	36.20M	11.29M
Net Income	122.73M	135.10M	22.74M	-	199.76M	232.18M	119.56M	88.22M
Diluted EPS	0.00	0.00	0.13	-	1.21	1.43	0.66	0.43

Compounded Sales Growth

5 Years:	3.83%
1 Year:	-

Compounded Profit Growth

5 Years:	-23.85%
1 Year:	-

Stock Price Performance

1 Year:	+35.57%
6 Months:	+4.13%
3 Months:	+1.55%
1 Month:	-0.80%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	11.38B	11.63B	15.96B	23.51B	22.65B	21.13B	25.56B	30.59B
Current Assets	-	-	-	-	-	-	-	-	-
Cash & Equivalents	-	-	362.60M	2.05B	1.23B	169.50M	693.08M	1.01B	316.87M
Inventory	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-
Total Liabilities	-	9.95B	10.03B	12.54B	20.11B	20.18B	18.16B	21.95B	26.25B
Current Liabilities	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	35.10M	39.62M	15.07M	153.09M
Total Debt	-	-	-	-	-	726.40M	39.72M	17.59M	199.62M
Total Equity	1.33B	1.43B	1.60B	3.43B	3.41B	2.47B	2.97B	3.61B	4.34B
Shares Outstanding	-	-	-	-	-	176.17M	176.43M	213.91M	235.65M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	205.01M	196.22M	69.85M	-	229.94M	261.69M	283.84M	432.42M
Investing Cash Flow	-647.10M	-145.27M	-2.39B	-	-1.08B	2.40B	1.06B	-364.02M
Financing Cash Flow	390.65M	51.95M	4.01B	-	-215.57M	-2.14B	-1.03B	-758.41M
Capital Expenditure	-	-	-	-	-8.63M	-8.14M	-13.54M	-19.43M
Free Cash Flow	-	-	-	-	221.31M	253.55M	270.30M	412.99M
Net Change in Cash	-	-	-	-	-1.06B	523.57M	313.80M	-690.01M
Share Buybacks	-	0	0	23.22M	201.62M	0	27.68M	106.59M
Dividends Paid	-	0	0	51.56M	65.89M	66.67M	82.54M	105.72M

Ratios (Annual)

Figures in %.

Metric	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-
Net Margin %	74.8%	86.5%	14.7%	-	31.0%	74.3%	16.5%	12.2%
ROE %	8.6%	8.4%	0.7%	-	8.1%	7.8%	3.3%	2.0%
ROCE %	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

1.25%

Institutions

81.29%

Public Float

82.32%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	7.23%	16.72M	$329.85M
2	FMR, LLC	6.41%	14.82M	$292.35M
3	T. Rowe Price Investment Management, Inc.	5.82%	13.46M	$265.48M
4	Vanguard Portfolio Management LLC	4.67%	10.79M	$212.86M
5	Vanguard Capital Management LLC	4.12%	9.52M	$187.75M
6	Dimensional Fund Advisors LP	3.73%	8.62M	$170.04M
7	State Street Corporation	3.69%	8.52M	$168.13M
8	Holdco Asset Management, LP	3.19%	7.38M	$145.66M
9	Jennison Associates LLC	2.96%	6.85M	$135.08M
10	Wellington Management Group, LLP	2.59%	5.99M	$118.11M

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