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Eastern Bankshares, Inc. EBC Q3 2025 earnings

Reported October 23, 2025 · After market close

Revenue$240.0MMiss by $5.9M
EPS$0.37Miss by $0.03
Revenue estimate$245.9M
EPS estimate$0.40

Next report

Oct 22, 2026 (in 3 months)
Revenue estimate$310.4M
EPS estimate$0.50

Financials

Q3 2025

Income statement

See full
Revenue$241.5M+18.7%
Net income$106.1M+1,815%
EPS (diluted)$0.53+1,867%

Balance sheet

See full
Cash & equivalents$410.4M-53.9%
Total debt$130.7M-14.4%
Total equity$3.8B+3.7%
Total assets$25.5B-0.2%

Cash flow

See full
Operating cash flow$157.1M+45.1%
CapEx$8.8M+408%
Free cash flow$148.4M+39.3%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$3.61B+34.9%
Enterprise value$3.33B+71.7%
P/E72.9×+65.8×
P/S5.5×+1.5×

Profitability

See full
Net margin7.5%-48.3pp
FCF margin60.5%+25.6pp

Returns & leverage

See full
Return on equity1.3%-11.0pp
Debt / equity0×0.0×

Segments

By product

See full
Investment advisory fees$17.6M—
Service charges on deposit accounts$8.6M+5.0%
Other noninterest income$2.7M+1.8%

Versus estimates

Revenue

Q2 2026$316.0MBeat by $7.8MQ1 2026$295.9MMiss by $6.1MQ4 2025$290.1MBeat by $3.3M
Q3 2025$240.0MMiss by $5.9M
Q2 2025$243.8MMiss by $3.5MQ1 2025$29.6MMiss by $197.4M

Diluted EPS

Q2 2026$0.49Beat by $0.03Q1 2026$0.40Miss by $0.04Q4 2025$0.44Beat by $0.03
Q3 2025$0.37Miss by $0.03
Q2 2025$0.41Beat by $0.03Q1 2025$0.34Beat by $0.01

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Questions, answered.

When did Eastern Bankshares, Inc. report Q3 2025 earnings?
Eastern Bankshares, Inc. (EBC) reported Q3 2025 earnings on October 23, 2025 after market close.
What were Eastern Bankshares, Inc.'s Q3 2025 revenue and EPS?
Eastern Bankshares, Inc. reported revenue of $240.0M and eps of $0.37 for Q3 2025.
Did Eastern Bankshares, Inc. beat estimates in Q3 2025?
Revenue missed the consensus estimate of $245.9M by $5.9M. EPS missed the consensus estimate of $0.40 by $0.03.
How did Eastern Bankshares, Inc.'s Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 18.0% from $203.4M a year earlier and eps grew 48.0% from $0.25.
Where can I find Eastern Bankshares, Inc.'s Q3 2025 SEC filings?
You can read the 10-Q periodic report (0001628280-25-050194) directly on SEC EDGAR. The filing index links above go to sec.gov.