Eastern Bankshares, Inc.(EBC)Earnings, Financials & Key Ratios

EBC•NASDAQ•Banking & Credit

$22.63

56.6× P/E·Price updated Jul 2, 2026

SectorFinancial Services IndustryRegional Banks Sub-IndustryBanks with large fee businesses

AboutEastern Bankshares, Inc. operates as the bank holding company for Eastern Bank that provides banking products and services primarily to retail, commercial, and small business customers. It operates in two segments, Banking Business and Insurance Agency Business. The company provides interest-bearing and non interest-bearing checking deposits, money market deposits, savings deposits, and time certificates of deposits, as well as debit and credit cards. It also offers commercial and industrial loans, commercial real estate and construction loans, small business loans, residential real estate loans, home equity, and lines of credit, as well as 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 provides cash reserves, cash management, merchant, escrow express, government banking, international banking, interest on lawyers trust accounts, retirement planning, and business telephone banking services, as well as products and services for not-for-profit and healthcare. Further, it offers trust and investment products and services; community development and asset-based lending services; financial planning, portfolio management, wealth management, private banking, and fiduciary products; online, mobile, and telephone banking services; and automated lock box collection and account reconciliation services, as well as various insurance products. As of December 31, 2021, the company operated 105 branch offices in eastern Massachusetts and southern New Hampshire; and 23 non-branch offices in eastern Massachusetts, one office in New Hampshire, and one office in Rhode Island. Eastern Bankshares, Inc. was founded in 1818 and is headquartered in Boston, Massachusetts.Show more

Net Interest Income$829M+36.4%
Total Revenue$1.06B-1.2%
Net Income$88M-26.2%
Return on Equity2.22%-38.9%
Net Interest Margin2.71%+13.9%
Efficiency Ratio56.37%+18.7%
ROA0.31%-38.6%
Equity / Assets14.19%+0.4%
Book Value per Share20.06+1.2%

EBC Price & Volume

Eastern Bankshares, Inc. (EBC) stock price & volume — 10-year historical chart

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Strategic Consolidation Masks Persistent Margin Efficiency Challenges

Investment Thesis • Updated 2026Q1

VerdictNeutral

Growth:Accelerating

Profitability:Moderate

Financial:Healthy

Cash Flow:Mixed

Primary Risk:CRE Concentration and Integration

Key Thesis Takeaways

Eastern Bankshares is currently navigating a complex transition following the integration of Cambridge Trust, which has expanded total assets to $30.6B as of 2026Q1.
While the bank demonstrates robust capital adequacy with an equity-to-assets ratio of 0.14, investors should monitor the persistent 0.8% net interest margin and the potential credit risks embedded in its concentrated commercial real estate portfolio.
Future performance hinges on the bank's ability to improve its 50.9% efficiency ratio and stabilize core earnings following the divestiture of its insurance business.

Verdict Logic

while the forward P/E of 11.79 suggests potential value, the combination of a 50.9% efficiency ratio and historical provisioning volatility, such as the $47.0M charge in 2024Q3, warrants a cautious approach.

EBC Growth Metrics

Eastern Bankshares, Inc. (EBC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years-

5 Years12.67%

3 Years15.75%

TTM-

Profit CAGR

10 Years-

5 Years31.15%

3 Years-23.85%

TTM371.4%

EPS CAGR

10 Years-

5 Years25.21%

3 Years-30.86%

TTM369.09%

Return on Capital

10 Years4.29%

5 Years2.76%

3 Years0.75%

Last Year2.13%

EBC Recent Earnings

Eastern Bankshares, Inc. (EBC) EPS & revenue vs analyst estimates — last 4 quarters

Full history →

●Beat EPS 6/12 qtrs (55%)●Beat Revenue 5/12 qtrs (45%)

Q2 2026Latest

Apr 23, 2026

Metric

Actual

Est

EPS

$0.40-9.1%

$0.44

Rev

$296M-2.0%

$302M

Q2 2026

Mar 2, 2026

Metric

Actual

Est

EPS

$0.46

—

Rev

$382M

—

Q1 2026

Jan 22, 2026

Metric

Actual

Est

EPS

$0.44+7.3%

$0.41

Rev

$290M+1.1%

$287M

Q4 2025

Oct 23, 2025

Metric

Actual

Est

EPS

$0.37-6.9%

$0.40

Rev

$240M-2.4%

$246M

Quarter	Date	EPS (Act vs Est)	Revenue (Act vs Est)
Q2 2026Latest	Apr 23, 2026	$0.40vs $0.44-9.1%	$296Mvs $302M-2.0%
Q2 2026	Mar 2, 2026	$0.46	$382M
Q1 2026	Jan 22, 2026	$0.44vs $0.41+7.3%	$290Mvs $287M+1.1%
Q4 2025	Oct 23, 2025	$0.37vs $0.40-6.9%	$240Mvs $246M-2.4%

Based on last 12 quarters of dataView full earnings history →

Latest EBC News

Recent stock market news and headlines for Eastern Bankshares, Inc. (EBC)

Business Wire·Jun 23, 2026

Paul Davis Joins Eastern Bank As Senior Vice President, Commercial Real Estate Relationship Manager

BOSTON--(BUSINESS WIRE)--Eastern Bank is pleased to welcome Paul Davis as a Senior Vice President, Commercial Real Estate Relationship Manager. Mr. Davis brings more than 25 years of experience in banking and the commercial real estate industry spanning the financing of large-scale developments, structuring of commercial real estate investments across major asset classes, and support of private banking and wealth management client relationships. “Beyond his deep understanding of commercial real.

Peers Comparison

Key metrics vs top competitors for Eastern Bankshares, Inc. (EBC)

Full Screener →

Company	Price	Market Cap	P/E Ratio	Rev Growth (1Y)	Net Margin	ROE	Div Yield
EBCEastern Bankshares, Inc.Current	$22.63	$5.23B	56.58	-1.24%	8.34%	2.22%	2.16%
INDBIndependent Bank Corp.	$85.00	$4.1B	19.10	19.82%	19.81%	7.01%	—
NBTBNBT Bancorp Inc.	$50.25	$2.61B	15.09	10.36%	19.66%	9.83%	—
CNOBConnectOne Bancorp, Inc.	$33.46	$1.68B	22.61	13.44%	13.35%	6.32%	—
EGBNEagle Bancorp, Inc.	$28.57	$871.26M	-6.79	-10.35%	-18.65%	-10.01%	—
OCFCOceanFirst Financial Corp.	$19.62	$1.13B	16.77	-4.7%	10.55%	4.22%	—

Compare EBC vs Peers

Eastern Bankshares, Inc. (EBC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs INDB

Most directly comparable listed peer for EBC.

Scale Benchmark

vs MCO

Larger-name benchmark to compare EBC against a more recognizable public peer.

Peer Set

Compare Top 5

vs INDB, NBTB, CNOB, EGBN

EBC SEC Filings & Documents

Eastern Bankshares, Inc. (EBC) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

Material company update

May 19, 2026·SEC

Material company update

Apr 23, 2026·SEC

Material company update

Jan 22, 2026·SEC

10-K Annual Reports

FY 2026

Mar 2, 2026·SEC

FY 2025

Feb 27, 2025·SEC

FY 2024

Feb 26, 2024·SEC

10-Q Quarterly Reports

FY 2026

May 8, 2026·SEC

FY 2025

Nov 6, 2025·SEC

FY 2025

Aug 8, 2025·SEC

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EBC Frequently Asked Questions

Eastern Bankshares, Inc. (EBC) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

How fast is Eastern Bankshares, Inc. growing?

Eastern Bankshares, Inc. (EBC) saw revenue decline by 1.2% over the past year.

Is EBC profitable?

Yes, Eastern Bankshares, Inc. (EBC) is profitable, generating $371.1M in net income for fiscal year 2025 (8.3% net margin).

Dividend & Returns

Does EBC pay dividends?

Yes, Eastern Bankshares, Inc. (EBC) pays a dividend with a yield of 2.16%. This makes it attractive for income-focused investors.

What is EBC's return on equity?

Eastern Bankshares, Inc. (EBC) has a return on equity (ROE) of 2.2%. This is below average, suggesting room for improvement.

Industry Metrics

What is Eastern Bankshares, Inc.'s net interest margin?

Eastern Bankshares, Inc. (EBC) has a net interest margin (NIM) of 2.7%. NIM has been under pressure due to interest rate environment.

What is Eastern Bankshares, Inc.'s efficiency ratio?

Eastern Bankshares, Inc. (EBC) has an efficiency ratio of 56.4%. This is reasonable for a bank.

What if you invested $1,000 in EBC back in 2018?

Total return calculator · dividends reinvested · 8+ years of data

See returns →

Quarter

Date

EPS (Act vs Est)

Revenue (Act vs Est)

Q2 2026Latest

Apr 23, 2026

$0.40vs $0.44-9.1%

$296Mvs $302M-2.0%

Q2 2026

Mar 2, 2026

$0.46

$382M

Q1 2026

Jan 22, 2026

$0.44vs $0.41+7.3%

$290Mvs $287M+1.1%

Q4 2025

Oct 23, 2025

$0.37vs $0.40-6.9%

$240Mvs $246M-2.4%

Company

Price

Market Cap

P/E Ratio

Rev Growth (1Y)

Net Margin

ROE

Div Yield

EBCEastern Bankshares, Inc.Current

$22.63

$5.23B

56.58

-1.24%

8.34%

2.22%

2.16%

INDBIndependent Bank Corp.

$85.00

$4.1B

19.10

19.82%

19.81%

7.01%

—

NBTBNBT Bancorp Inc.

$50.25

$2.61B

15.09

10.36%

19.66%

9.83%

—

CNOBConnectOne Bancorp, Inc.

$33.46

$1.68B

22.61

13.44%

13.35%

6.32%

—

EGBNEagle Bancorp, Inc.

$28.57

$871.26M

-6.79

-10.35%

-18.65%

-10.01%

—

OCFCOceanFirst Financial Corp.

$19.62

$1.13B

16.77

-4.7%

10.55%

4.22%

—