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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. 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%
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% (at or above 15%: strong)
This Y EPS Growth 20.34% (at or above 15%: strong)
Next Y EPS Growth 13.84%
Next Y revenue growth 15.94% (at or above 10%: strong)
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.

Target Price Range

Analyst price targets

Recommendation Rating

1.5
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

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
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.

Source: company filings (standardised) and stockrow calculations.

Eastern Bankshares, Inc. (EBC) Latest News

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stockrow.com/EBC · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com