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Eastern Bankshares, Inc.

EBC Financial Banks Regional

Eastern Bankshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.1 billion, down 1.16% from fiscal 2024.

Revenue
+27.1%
EPS
−3.77%
Free cash flow
+25.5%
Total debt
+1,259.9%

Quarter to September 2026, against a year earlier

22.76 0.55 −2.36%
Market cap
$5.2B
P/E
13.1×
Fwd P/E
12.5×
Dividend yield
2.46%
F-score
4/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.19
Sold, $m 3.18
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — 1 — — — — — — — —
Sell 1 1 1 — — — 1 1 5 4 — —
Insider Ownership 2.36%

Capital & Financial Ratios $m

Size
Market Cap 5,190.00
Revenue ttm 1,584.85
Net income ttm 376.13
Free cash flow ttm 385.40
Net debt Q (547.00)
Valuation
P/E 13.08
Forward P/E 12.50
Price / sales 3.10
Forward P/S Powerpack
Price / FCF 12.75
Price / book 1.17
Financial health
Current ratio Q 0.89
Debt / equity Q 0.00
Interest coverage Q —
Growth
Revenue growth Q +27.06% (above 0%: growing)
Operating income growth Q +49.09% (above 0%: growing)
EPS, this year +22.07% (at or above 15%: strong)
EPS, next year A +13.15%
Revenue, next year A +16.04% (at or above 10%: strong)
EPS, past 5 yrs +27.03% (at or above 15%: strong)
EPS, next 5 yrs A +14.84%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 33.97%
10-year low 10-year high
P/S against its own 10 years 14.65%
10-year low 10-year high
P/B against its own 10 years 86.60%
10-year low 10-year high

Dividends raised every year since 2021

Yield
2.46%
Annual rate
0.56
Payout ratio
32.2%
Growth, 2021–25
+14.2%/yr
  1. 0.30 ’21
  2. 0.40 ’22 +33
  3. 0.41 ’23 +2
  4. 0.45 ’24 +10
  5. 0.51 ’25 +13
  6. 0.58 ’26e +14
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 693 1,007 317 547
Receivables — — — —
Inventory — — — —
Other — — — —
14,494 18,557 23,093 23,796
2023 2024 2025 Q'26
Payables 17,596 21,319 25,471 26,017
ST’ Debt — — — —
Other — — — —
17,596 21,319 25,471 26,838

Compound Annual Growth %

10y 5y 3y
Sales — 12.33% 15.78%
Cash Flow — 43.99% 23.43%
Earnings — 31.15% (23.85%)
Book Value — 4.83% 20.65%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.49 Actual 0.51

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.41 0.44 Beat by 0.03
Q1 FY26 0.44 0.40 Miss by 0.04
Q2 FY26 0.46 0.49 Beat by 0.03
Q3 FY26 0.49 0.51 Beat by 0.02
Q4 FY26 0.51 — Reports 28 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.29 0.48 0.51 — —
’25 (1.08) 0.50 0.53 0.46 0.43
’24 0.24 0.16 (0.03) 0.30 0.66
’23 (1.20) 0.30 0.36 1.95 1.43
’22 0.30 0.31 0.33 0.26 1.21
’21 0.28 0.20 0.22 0.20 0.90
’20 0.04 0.14 0.15 (0.26) 0.13
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 383 407 412 — —
’25 30 322 324 382 1,058
’24 230 233 300 308 1,071
’23 (121) 228 221 230 559
’22 178 183 177 144 682
’21 156 151 147 78 533
’20 140 150 148 154 592
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 (9) 155 — — —
’25 47 124 157 104 432
’24 33 54 108 89 284
’23 101 72 36 53 262
’22 68 97 61 3 230
’21 65 (5) 67 47 174
’20 (32) 34 12 56 70
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 (13) 150 — — —
’25 46 119 148 100 413
’24 30 50 107 99 285
’23 99 71 34 49 254
’22 73 100 64 1 239
’21 65 (6) 65 67 191
’20 (33) 32 11 54 65
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.5
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue — — 596 627 592 533 682 559 1,071 1,058 1,585 +8.6% 1,228 1,289 1,346 +8.3%
Gross margin, % — — 95.78 94.62 97.96 99.00 94.56 55.96 68.32 68.28 74.94 (27.5) pt
EBT — — 158 175 36 176 238 (126) 156 100 448 (6.4%)
EBT margin, % — — 26.46 27.83 6.07 33.04 34.93 (22.55) 14.55 9.40 28.26 (17.1) pt
Net income — — 123 135 23 146 187 (63) 120 88 376 (4.6%)
Per share, $
Per share, $ Revenue — — 2.84 2.99 3.44 3.09 4.12 3.44 5.91 5.21 7.34 +9.1%
Earnings — — 0.58 0.64 0.13 0.90 1.21 1.43 0.66 0.43 1.74 (4.2%)
Cash flow — — 0.98 0.93 0.41 1.01 1.39 1.61 1.57 2.13 0.00 +11.8%
Capex — — (0.04) (0.03) (0.03) 0.09 0.05 (0.05) 0.01 (0.10) 0.00 +12.1%
Free cash flow — — 0.93 0.90 0.38 1.11 1.44 1.56 1.58 2.03 0.00 +11.8%
Book value — — 0.00 7.62 19.95 19.78 14.93 18.33 19.94 21.36 19.45 n/m
Shares, m — — 210 210 172 172 166 162 181 203 215 (0.5%)
Valuation, ×
Valuation, × P/E — — 24.80 24.80 233.00 22.41 14.33 9.90 25.75 46.08 13.08 50.1
P/S — — 3.84 3.84 4.74 6.52 4.17 4.08 2.92 3.54 3.10 4.2
P/B — — 1.32 1.32 0.82 1.02 1.15 0.77 0.87 0.86 1.17 1.0
EV/Sales — — (0.07) (0.07) 1.29 4.23 4.96 2.88 1.99 3.43 — 2.3
EV/FCF — — (0.73) (0.73) 11.79 11.82 14.16 6.34 7.48 8.78 — 7.4
Cash, $m
Cash, $m Operating cash flow — — 205 196 70 174 230 262 284 432 406 +11.3%
Capex — — (9) (7) (5) 16 9 (8) 2 (19) (21) +11.6%
Free cash flow — — 196 189 65 191 239 254 285 413 385 +11.2%
Balance, $m
Balance, $m Working capital — — — (490) (507) (6,238) (5,380) (3,103) (2,763) (2,378) (3,043) +30.1%
Net debt — — 35 (345) (2,039) (1,218) 535 (675) (989) (117) (547) n/m
Shareholders’ equity — — — 1,600 3,428 3,406 2,472 2,975 3,612 4,341 4,200 +18.1%
Returns, %
Returns, % ROA — — 1.06 2.32 0.16 0.78 0.87 1.06 0.51 0.31 1.33 (0.7) pt
ROIC — — 281.45 8.69 1.62 5.03 4.95 (3.42) 3.71 1.47 7.66 (280.0) pt
ROE — — 8.09 8.91 0.90 4.53 6.80 8.53 3.63 2.22 9.52 (5.9) pt
People
People Employees — — — — 44 2,059 2,146 1,744 1,998 2,450 — +123.4%
Revenue/emp, $m — — 0.00 0.00 13.45 0.26 0.32 0.32 0.54 0.43 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026

Eastern Bankshares, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
HWC Hancock Whitney Corporation $5.9B 14.3× 14.0× +7.54% (above 0%: growing) −8.05% (below 0%: shrinking) +23.30% (above 0%: growing) 75.86% 0.00% Compare
ASB Associated Banc-Corp $5.8B 10.5× 10.6× +12.99% (above 0%: growing) +5.48% (above 0%: growing) +117.24% (above 0%: growing) 64.43% 0.00% Compare
ABCB Ameris Bancorp $5.7B 14.3× 14.2× +1.71% (above 0%: growing) +12.26% (above 0%: growing) +31.88% (above 0%: growing) 73.36% 0.00% Compare
OZK Bank OZK $5.7B 8.6× 8.6× −5.02% (below 0%: shrinking) −6.25% (below 0%: shrinking) +47.62% (above 0%: growing) 63.26% 0.00% Compare
AUB Atlantic Union Bankshares Corporation $5.6B 10.7× 10.1× +0.13% (above 0%: growing) +50.79% (above 0%: growing) −92.37% (below 0%: shrinking) 68.93% 0.00% Compare
IFS Intercorp Financial Services Inc. $5.5B 13.8× — (loss-making) +18.27% (above 0%: growing) +106.49% (above 0%: growing) +720.11% (above 0%: growing) 75.55% 0.00% Compare
AX AXOS FINANCIAL, INC $5.4B 10.3× 9.1× +16.63% (above 0%: growing) +14.79% (above 0%: growing) +115.45% (above 0%: growing) 68.01% 0.00% Compare
EBC Eastern Bankshares, Inc. $5.3B 13.1× 12.5× +27.06% (above 0%: growing) −3.77% (below 0%: shrinking) +25.53% (above 0%: growing) 74.39% 0.00%
TFSL TFS Financial Corporation $4.7B 45.8× 46.1× +5.82% (above 0%: growing) +37.50% (above 0%: growing) +16.04% (above 0%: growing) 42.51% 0.00% Compare
Median of peers $5.6B 12.2× 10.6× +6.68% +13.53% +39.75% 68.47% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 26 March 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 4.43m 5.07m 128.18
2024 4.19m 5.03m 116.46
2023 4.92m 3.90m 93.07
2022 6.74m 5.86m 109.53
2021 4.21m 4.19m 125.55

Ownership

Directors and executive officers, together 1.26%
FMR LLC 7.53%
The Vanguard Group 7.01%
Principal Trust Company 6.33%
T. Rowe Price Investment Management, Inc. 5.87%
BlackRock, Inc. 5.38%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Eastern Bankshares, Inc. (EBC) Latest News

29 Oct

Impact 3 · · Business Wire

26 Oct

Impact 3 · · StockStory
Impact 3 · · StockStory

24 Oct

Impact 4 · · Simply Wall St.
Impact 3 · · Simply Wall St.

23 Oct

Impact 4 · · MarketBeat
Impact 4 · · Moby transcript
Impact 3 · · The Motley Fool transcript

22 Oct

Impact 3 · · Zacks
Impact 3 · · Zacks
Impact 3 · · StockStory

21 Oct

Impact 3 · · Zacks

20 Oct

Impact 3 · · StockStory

24 Sep

Impact 3 · · Simply Wall St.

1 Aug

Impact 3 ·

27 Jul

Impact 3 ·

24 Jul

Impact 3 ·
Impact 3 · · MarketBeat transcript
Impact 3 · · Moby transcript

23 Jul

Impact 3 ·

21 Jul

Impact 3 ·

11 Jun

Impact 3 ·

10 Jun

Impact 3 · · StockStory

31 May

Impact 4 · · The Motley Fool

29 Apr

Impact 4 · · Simply Wall St.

27 Apr

Impact 4 · · MarketBeat

25 Apr

Impact 4 · · GuruFocus.com
Impact 3 · · StockStory

24 Apr

Impact 3 · · Moby

23 Apr

Impact 4 · · Zacks

EBC metrics, ten years each

stockrow.com/EBC · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com