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Eastern Bankshares, Inc.

EBC

$22.84 ▼ -0.16 (-0.72%) at close

9 Visible periods

34 Metrics

Peer-ranked Benchmarks

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Health

Fair

Neutral

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Analytical Summary

Eastern Bankshares, Inc. shows mixed fundamentals. Consider comparing against peers in the Financials sector before making investment decisions.

Market Cap $4.6B

Dividend Yield 2.23%

Revenue Growth -1.2% ↘

Op. Margin 13.8% ↘

ROIC None

FCF / Share None

Trailing P/E 53.1x

Price / Book 1.2x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

9-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$722.65M

↓ -1.2% —

Net Income Profit after all expenses

$88.22M

↓ -26.2% —

Operating Margin Operating profit as % of sales

13.8%

↓ -35.3% 65th

Health Breakdown

Profitability ↓

Returns ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.51 Latest / share

+13.3% YoY

+93.9% 4-yr CAGR

FY 2017

FY 2018

FY 2019

FY 2020

$0.07

FY 2021

FY 2022

$0.41

FY 2023

$0.45

FY 2024

$0.51

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Revenue Growth YoY (%)	-1.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-120%)	134.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+2133%)	-58.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-1066%)	19.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+224%)	7.5% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+25%)	-2.3% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-139%)	4.0% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-33%)	—	—
EPS Growth YoY (%)	-34.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-53.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	18.2% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	34.4% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	592.3% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—
Net Income Growth YoY (%)	-26.2% Weak ↓ Weak Declining Year-over-year change in net income	-48.5% Weak ↓ Weak Declining Year-over-year change in net income	16.2% Good ↓ Good Declining Year-over-year change in net income	29.2% Excellent ↓ Excellent Declining Year-over-year change in net income	580.2% Excellent ↑ Excellent Improving Year-over-year change in net income	-83.2% Weak Weak Year-over-year change in net income	10.1% Fair Fair Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	-1.0% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	5.5% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	-18.6% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	7.8% Fair Fair Compound annual revenue growth over 3 years	3.0% Caution Caution Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	4.5% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.3% Fair Fair Compound annual revenue growth over 5 years	-11.3% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-29.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-9.8% Weak Weak Compound annual EPS growth over 3 years	122.4% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Operating Margin (%) (%)	13.8% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-45%)	21.3% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	-40.3% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-261%)	34.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+38%)	30.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+21%)	6.2% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-75%)	29.4% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	27.6% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	—
Effective Tax Rate (%) (%)	11.3% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.2% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	50.2% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.2% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.0% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	36.7% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.6% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.1% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	12.2% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-45%)	16.3% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-26%)	74.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+238%)	26.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+22%)	24.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+13%)	3.9% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-82%)	22.8% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	21.5% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	2.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-83%)	3.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-72%)	7.8% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-35%)	8.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-33%)	4.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-62%)	0.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-94%)	8.4% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-30%)	8.6% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-29%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Revenue per Share (USD)	$3.56	$4.04	$1.93	$4.50	$3.62	$3.37	—	—	—
Basic EPS, GAAP (USD)	$0.43	$0.66	$1.43	$1.21	$0.90	$0.13	$0.00	$0.00	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.51	$0.45	$0.41	—	$0.07	—	—	—	—
Book Value per Share (USD)	$18.42	$16.89	$16.86	$14.03	$18.28	$18.36	—	—	—
Tangible Book Value per Share (USD)	$13.68	$12.61	$13.70	$10.40	$14.89	$16.38	—	—	—
Basic Weighted Avg Shares (shares)	203.17M	181.13M	162.29M	165.51M	172.19M	171.81M	0	0	—
Dividend Payout Ratio (%)	118.6% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	68.2% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	28.7% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	7.8% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$4.34B	$3.61B	$2.97B	$2.47B	$3.41B	$3.43B	$1.60B	$1.43B	$1.33B

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Sales/Revenue/Turnover (USD)	$722.65M	$731.51M	$312.66M	$744.22M	$622.98M	$579.62M	$593.56M	$570.64M	—
Depreciation Expense (USD)	$46.94M	$27.03M	$12.29M	$14.96M	$14.48M	$15.83M	$19.48M	$20.07M	—
Net Income, GAAP (USD)	$88.22M	$119.56M	$232.18M	$199.76M	$154.66M	$22.74M	$135.10M	$122.73M	—
Operating Cash Flow (USD)	$432.42M	$283.84M	$261.69M	$229.94M	$174.49M	$69.85M	$196.22M	$205.01M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Net Interest Margin (approx.) (%)	2.7%	2.4%	2.6%	2.5%	1.8%	2.5%	3.5%	3.4%	—
Efficiency Ratio (%) (%)	82.6%	69.5%	133.9%	63.1%	71.3%	87.1%	69.5%	69.7%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 9 years · 31 quarters

Eastern Bankshares, Inc.

Analytical Summary

9-Year Financial Trajectory

Health Breakdown

Dividend History

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