Eastern Bankshares, Inc. (EBC) Financial Statements
Industry: Savings Institution, Federally Chartered
In fiscal 2025, Eastern Bankshares reported revenue of $722.6M, down 1.2% from $731.5M the year before. Net income was $88.2M (a 12.2% net margin), or $0.43 per diluted share. Net interest income was $828.6M, and the efficiency ratio (noninterest expense / revenue) was 82.6%. Operating activities generated $432.4M of cash. At fiscal year end, Eastern Bankshares held $30.59B in total assets against $26.25B in total liabilities.
Open the full interactive Eastern Bankshares financials → Quarterly statements, key ratios, valuation history and price charts.
Eastern Bankshares Key Stats
| Share Price | $20.96 |
|---|---|
| Market Cap | $4.60B |
| P/E Ratio | 48.7 |
| Dividend Yield | 2.55% |
| Revenue YoY Growth | -1.2% |
| 52-Week Range | $16.27 – $23.49 |
| Shares Outstanding | 218.3 million (basic, 2026 Q2) |
Eastern Bankshares Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $401.3M | $429.8M | $568.1M | $550.4M | $607.6M | $828.6M |
| Provision for Credit Losses | $38.8M | -$9.7M | $17.9M | $20.1M | $67.4M | $26.2M |
| Noninterest Income | $178.4M | $193.2M | $176.2M | -$237.8M | $123.9M | -$105.9M |
| Noninterest Expense | $504.9M | $444.0M | $469.6M | $418.6M | $508.4M | $596.9M |
| Revenue | $579.6M | $623.0M | $744.2M | $312.7M | $731.5M | $722.6M |
| Pre-Tax Income | $35.9M | $188.7M | $256.7M | -$126.0M | $155.8M | $99.5M |
| Income Tax | $13.2M | $34.0M | $56.9M | -$63.3M | $36.2M | $11.3M |
| Net Income | $22.7M | $154.7M | $199.8M | $232.2M | $119.6M | $88.2M |
| Diluted EPS | $0.13 | $0.90 | $1.21 | $1.43 | $0.66 | $0.43 |
Eastern Bankshares Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $241.5M | $283.5M | $288.2M | $309.5M |
| Net Income | $106.1M | $99.5M | $65.3M | $105.2M |
| Diluted EPS | $0.53 | $0.49 | $0.29 | $0.48 |
Eastern Bankshares Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Loans (Net) | — | $12.16B | $13.42B | $13.80B | $17.55B | $22.75B |
| Total Assets | $15.96B | $23.51B | $22.65B | $21.13B | $25.56B | $30.59B |
| Deposits | $12.16B | $19.63B | $18.97B | $17.60B | $21.29B | $25.47B |
| Total Long-Term Debt | $14.6M | $14.0M | $740.8M | $48.2M | $93.9M | $214.9M |
| Total Liabilities | $12.54B | $20.11B | $20.18B | $18.16B | $21.95B | $26.25B |
| Shareholders' Equity | $3.43B | $3.41B | $2.47B | $2.97B | $3.61B | $4.34B |
Eastern Bankshares Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $69.9M | $174.5M | $229.9M | $261.7M | $283.8M | $432.4M |
| Cash From Investing | -$2.39B | -$1.99B | -$1.08B | $2.40B | $1.06B | -$364.0M |
| Cash From Financing | $4.01B | $989.0M | -$215.6M | -$2.14B | -$1.03B | -$758.4M |
| Dividends Paid | — | $51.6M | $65.9M | $66.7M | $82.5M | $105.7M |
Figures from Eastern Bankshares' 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Eastern Bankshares financials page for every line item.
Eastern Bankshares Company Profile
| Ticker | EBC |
|---|---|
| Exchange | Nasdaq |
| Industry | Savings Institution, Federally Chartered |
| Headquarters | Boston, Massachusetts |
| Incorporated in | Massachusetts |
| Fiscal Year End | December 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0001810546 |
Frequently Asked Questions
What was Eastern Bankshares' revenue in fiscal 2025?
Eastern Bankshares (EBC) reported revenue of $722.6M for fiscal 2025.
What is Eastern Bankshares' annual revenue history?
Eastern Bankshares' annual revenue by fiscal year: 2020: $579.6M; 2021: $623.0M; 2022: $744.2M; 2023: $312.7M; 2024: $731.5M; 2025: $722.6M.
What was Eastern Bankshares' net income in fiscal 2025?
Eastern Bankshares reported net income of $88.2M for fiscal 2025.
What was Eastern Bankshares' earnings per share (EPS) in fiscal 2025?
Eastern Bankshares' diluted EPS was $0.43 for fiscal 2025 (adjusted for any later stock splits).
What was Eastern Bankshares' revenue last quarter?
In its most recent reported quarter (2026 Q2), Eastern Bankshares reported revenue of $309.5M.
How much debt does Eastern Bankshares have?
Eastern Bankshares reported $214.9M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Eastern Bankshares are outstanding?
Eastern Bankshares reported a weighted average of 218.3 million basic shares outstanding in 2026 Q2.
What is Eastern Bankshares' market cap?
Based on its latest closing price, Eastern Bankshares (EBC) has a market capitalization of about $4.60B.
When does Eastern Bankshares' fiscal year end?
Eastern Bankshares' fiscal year end, as registered with the SEC, is December 31.
Where is Eastern Bankshares headquartered?
Eastern Bankshares lists its business address in Boston, Massachusetts in its SEC filings.
Eastern Bankshares Competitors & Similar Companies
See all 33 Savings Institution, Federally Chartered companies →