Saturday 17 October 2026 Export EBC’s income statement to Excel — free account

Eastern Bankshares, Inc.

Eastern Bankshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.1 billion, down 1.16% from fiscal 2024. In the quarter to June 2026, revenue grew 26.5%, EPS fell 4.00%, free cash flow grew 25.5% and total debt rose 1,259.9%, each against the same quarter a year earlier. Dividend growth for five consecutive years, operating cash flow growth for five; insiders bought in the last twelve months.

21.31 0.17 +0.80%

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Market cap: $4.8B
P/E: 12.1×
Fwd P/E: 11.3×
Dividend yield: 2.63%
F-score: 4/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.19

Total sells 9.40

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	1	—	—	—	—	—	—	—
Sell	1	2	1	1	—	—	—	1	1	5	4	—

Insider Ownership 3.42%

Capital & Financial Ratios $m

Market Cap 4,830.00

Revenue 1,497.12

Net Income 376.13

Free Cash Flow 385.40

Net Debt 108.25

Current Ratio 0.90

Debt/Equity 0.09

P/E ratio 12.11

Fwd P/E 11.30

P/S ratio 3.11

P/B ratio 1.09

Past 5Y EPS Growth 27.03%

This Y EPS Growth 20.34%

Next Y EPS Growth 13.84%

Next Y revenue growth 15.94%

Next 5Y EPS Growth 14.25%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 28.67%

10-year low 10-year high

P/S against its own 10 years 14.19%

10-year low 10-year high

P/B against its own 10 years 76.39%

10-year low 10-year high

Dividends

Payout Ratio 0.32

Annual Dividend Rate 0.56

Annual Dividend Yield 2.63%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	0.58	0.13 0.15 0.15
2025	0.51	0.12 0.13 0.13 0.13
2024	0.45	0.11 0.11 0.11 0.12
2023	0.41	0.10 0.10 0.10 0.11
2022	0.40	0.10 0.10 0.10 0.10
2021	0.30	0.06 0.08 0.08 0.08
2020	Powerpack
2019	Powerpack
2018	Powerpack

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	693	1,007	317	256
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	14,494	18,557	23,093	23,255

	2023	2024	2025	Q'26
Payables	17,596	21,319	25,471	25,919
ST’ Debt	—	—	—	—
Other	—	—	—	—
	17,596	21,319	25,471	25,919

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%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	383	407	—	—	—
’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.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.29	0.48	—	—	—
’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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	—	—	—	—	11.74	15.49	16.64	9.93	12.22	13.51	Analyst estimates 2026–2028 Powerpack
	High	—	—	—	—	16.89	23.03	22.35	18.10	19.40	20.19
People
People	Employees	—	—	—	—	44	2,059	2,146	1,744	1,998	2,450
	Revenue/emp, $m	—	—	0.00	0.00	13.45	0.26	0.32	0.32	0.54	0.43
Income, $m
Income, $m	Revenue	—	—	596	627	592	533	682	559	1,071	1,058
	Gross margin, %	—	—	95.78	94.62	97.96	99.00	94.56	55.96	68.32	68.28
	EBT	—	—	158	175	36	176	238	(126)	156	100
	EBT margin, %	—	—	26.46	27.83	6.07	33.04	34.93	(22.55)	14.55	9.40
	Net income	—	—	123	135	23	146	187	(63)	120	88
	Depreciation	—	—	23	23	18	12	40	30	43	56
Per share, $
Per share, $	Revenue	—	—	2.84	2.99	3.44	3.09	4.12	3.44	5.91	5.21
	Earnings	—	—	0.58	0.64	0.13	0.90	1.21	1.43	0.66	0.43
	Cash flow	—	—	0.98	0.93	0.41	1.01	1.39	1.61	1.57	2.13
	Capex	—	—	(0.04)	(0.03)	(0.03)	0.09	0.05	(0.05)	0.01	(0.10)
	Free cash flow	—	—	0.93	0.90	0.38	1.11	1.44	1.56	1.58	2.03
	Book value	—	—	0.00	7.62	19.95	19.78	14.93	18.33	19.94	21.36
	Shares, m	—	—	210	210	172	172	166	162	181	203
Valuation, ×
Valuation, ×	P/E	—	—	24.80	24.80	233.00	22.41	14.33	9.90	25.75	46.08
	P/S	—	—	3.84	3.84	4.74	6.52	4.17	4.08	2.92	3.54
	P/B	—	—	1.32	1.32	0.82	1.02	1.15	0.77	0.87	0.86
	EV/Sales	—	—	(0.07)	(0.07)	1.29	4.23	4.96	2.88	1.99	3.43
	EV/FCF	—	—	(0.73)	(0.73)	11.79	11.82	14.16	6.34	7.48	8.78
Cash, $m
Cash, $m	Operating cash flow	—	—	205	196	70	174	230	262	284	432
	Capex	—	—	(9)	(7)	(5)	16	9	(8)	2	(19)
	Free cash flow	—	—	196	189	65	191	239	254	285	413
Balance, $m
Balance, $m	Working capital	—	—	—	(490)	(507)	(6,238)	(5,380)	(3,103)	(2,763)	(2,378)
	Total debt	—	—	35	19	15	14	704	18	18	200
	Net debt	—	—	35	(345)	(2,039)	(1,218)	535	(675)	(989)	(117)
	Shareholders’ equity	—	—	—	1,600	3,428	3,406	2,472	2,975	3,612	4,341
Returns, %
Returns, %	ROA	—	—	1.06	2.32	0.16	0.78	0.87	1.06	0.51	0.31
	ROIC	—	—	281.45	8.69	1.62	5.03	4.95	(3.42)	3.71	1.47
	ROE	—	—	8.09	8.91	0.90	4.53	6.80	8.53	3.63	2.22

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
ABCB Ameris Bancorp	$5.4B	14.4×	12.7×	+5.42% (above 0%: growing)	−51.88% (below 0%: shrinking)	+31.88% (above 0%: growing)	74.25%	0.00%	Compare
OZK Bank OZK	$5.0B	7.6×	8.3×	−3.82% (below 0%: shrinking)	−6.29% (below 0%: shrinking)	+47.62% (above 0%: growing)	63.91%	0.00%	Compare
AX AXOS FINANCIAL, INC	$5.0B	10.2×	9.1×	+15.98% (above 0%: growing)	+12.24% (above 0%: growing)	+22.36% (above 0%: growing)	67.69%	0.00%	Compare
EBC Eastern Bankshares, Inc.	$4.8B	12.1×	11.3×	+26.48% (above 0%: growing)	−4.00% (below 0%: shrinking)	+25.53% (above 0%: growing)	75.96%	0.00%
GGAL Grupo Financiero Galicia S.A.	$4.8B	18.2×	—	−91.05% (below 0%: shrinking)	−75.31% (below 0%: shrinking)	−347.48% (below 0%: shrinking)	100.00%	0.00%	Compare
FLG Flagstar Bank, National Association	$4.7B	369×	30.5×	−13.77% (below 0%: shrinking)	n/m	−42.53% (below 0%: shrinking)	49.05%	0.00%	Compare
TFSL TFS Financial Corporation	$4.6B	45.4×	49.0×	+5.82% (above 0%: growing)	+37.50% (above 0%: growing)	+16.04% (above 0%: growing)	42.51%	0.00%	Compare
FFIN First Financial Bankshares, Inc.	$4.5B	16.2×	15.9×	+7.84% (above 0%: growing)	+6.38% (above 0%: growing)	+25.95% (above 0%: growing)	77.89%	0.00%	Compare
SFBS ServisFirst Bancshares, Inc.	$4.3B	13.4×	12.3×	+6.36% (above 0%: growing)	+40.18% (above 0%: growing)	+141.10% (above 0%: growing)	64.14%	0.00%	Compare
Median of peers	$4.8B	15.3×	12.7×	+5.62%	+6.38%	+24.16%	65.91%	0.00%

All 323 Banks Regional stocks →

Eastern Bankshares, Inc. (EBC) key facts

Concern: Eastern Bankshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.1 billion, down 1.16% from fiscal 2024.
Eastern Bankshares, Inc. (EBC) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, EBC traded at $21.31, a market capitalization of $4.8 billion.
Eastern Bankshares, Inc. pays an annual dividend of $0.56 per share, a yield of 2.63%, with a payout ratio of 31.8%.
Return on equity was 2.22% and debt-to-equity 0.09.
Its Piotroski F-score is 4 out of 9 for fiscal 2025.