Eastern Bankshares, Inc.

NASDAQ•EBC

CEO: Mr. Robert F. Rivers

Sector: Financial Services

Industry: Banks - Regional

Listing Date: 2020-10-15

Eastern Bankshares, Inc. operates as the bank holding company for Eastern Bank that provides banking products and services primarily to retail, commercial, and small business customers. The company provides deposit accounts, interest checking accounts, money market accounts, savings accounts, and time certificates of deposit accounts. It also offers commercial and industrial, commercial real estate and construction, small business, residential real estate, and home equity loans; lines of credit; and other consumer loans comprising unsecured personal lines of credit, overdraft protection, automobile loans, home improvement loans, airplane loans, and other personal loans. In addition, the company provides trust, financial planning and portfolio management, automated lock box collection, cash management, and account reconciliation services; personal, business, and employee benefits insurance products. Eastern Bankshares, Inc. was founded in 1818 and is headquartered in Boston, Massachusetts.

Contact Information

265 Franklin Street, Boston, MA, 02110, United States

800-327-8376

www.easternbank.com

Market Cap

$4.69B

P/E (TTM)

12.0

21.8

Dividend Yield

2.6%

52W High

$22.58

52W Low

$14.10

52W Range

70%

Rank44Top 53.8%

3.7

F-Score

Modified Piotroski Analysis

Based on 7-year fundamentals

Weak • 3.7 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2019-2025

Financial Dashboard

Q1 2026 Data

Revenue

$386.50M+0.00%

4-Quarter Trend

EPS

$0.29+0.00%

4-Quarter Trend

FCF

-$9.47M+0.00%

4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Post-Merger Scale Expansion Total assets reached $30.6B by year-end 2025, driven by the HarborOne merger. Gross loans increased 30.4% to $23.6B.

Strong Net Interest Margin Net Interest Margin (NIM) improved significantly by 67 basis points to 3.51% due to higher asset yields and increased average balances.

GAAP Net Income Decline GAAP Net Income fell 26.2% to $88.2M, primarily due to $269.6M in realized losses from available-for-sale securities sales.

Asset Quality Remains Stable Allowance for loan losses increased to $331.8M (1.44% coverage); Non-performing loan ratio held steady at 0.75%.

Risk Factors

Noninterest Income Volatility Large realized losses on securities sales caused noninterest income to swing to a $(105.9)M loss, severely impacting GAAP results.

Local Economic Concentration Loan portfolio concentration in Eastern MA, Southern NH, and RI makes performance vulnerable to regional economic downturns.

Cybersecurity and Technology Risks High security risks to information databases from evolving cyber threats, fraud, and sophisticated AI-related attacks remain a priority.

Regulatory Capital Constraints Subject to stringent capital requirements; failure to maintain ratios could restrict dividends, capital distributions, or growth opportunities.

Outlook

Focus on Integration and Growth Management prioritizes integrating the HarborOne merger while pursuing disciplined organic growth in core lending segments.

Managing Interest Rate Risk FOMC lowered rates to 3.50%-3.75% range; management actively uses hedging strategies to manage exposure to rate fluctuations.

Technology Investment Priority Significant ongoing investment in technology and data analytics is planned to enhance customer experience and drive future operating leverage.

No Immediate M&A Interest The Company is currently not interested in pursuing new merger partners, focusing resources on current integration efforts.

Peer Comparison

Revenue (TTM)

MTB

$12.36B

-6.9%

SNV

$3.33B

-0.6%

INTR

$2.90B

+49.4%

Gross Margin (Latest Quarter)

SNV

96.5%

+38.9pp

TBBK

83.3%

+0.0pp

EBC

73.9%

+6.1pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
MTB	$31.61B	11.8	10.2%	8.9%
SNV	$6.95B	8.7	14.5%	5.1%
ASB	$4.74B	9.6	10.0%	9.7%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

6.3%

Steady Growth

4Q Net Income CAGR

-13.3%

Declining Profitability

Cash Flow Stability

75%

Volatile Cash Flow

Deep Research

Next earnings:Jul 23, 2026

EPS:$0.46

Revenue:$307.54M

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data