Skip to content
OpenCapital
Get started

Eastern Bankshares, Inc. EBC Q4 2025 Annual earnings

Reported January 22, 2026 · After market close

Revenue$290.1MBeat by $3.3M
EPS$0.44Beat by $0.03
Revenue estimate$286.8M
EPS estimate$0.41

Next report

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

Financials

Q4 2025

Income statement

See full
Revenue$283.5M+30.9%
Net income$99.5M+63.7%
EPS (diluted)$0.49+53.1%

Balance sheet

See full
Cash & equivalents$316.9M-68.5%
Total debt$312.8M+111%
Total equity$4.3B+20.2%
Total assets$30.6B+19.7%

Cash flow

See full
Operating cash flow$104.1M+17.3%
CapEx$4.3M-19.2%
Free cash flow$99.8M+19.6%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$4.15B+20.8%
Enterprise value$4.14B+61.0%
P/E47×+18.3×
P/S5.7×+1.0×

Profitability

See full
Net margin12.2%-4.1pp
FCF margin57.1%+20.2pp

Returns & leverage

See full
Return on equity2.2%-1.4pp
Debt / equity0.1×0.0×

Segments

By product

See full
Investment advisory fees$18.6M—
Service charges on deposit accounts$9.9M+17.8%
Other noninterest income$3.0M+12.7%

Versus estimates

Revenue

Q2 2026$316.0MBeat by $7.8MQ1 2026$295.9MMiss by $6.1M
Q4 2025$290.1MBeat by $3.3M
Q3 2025$240.0MMiss by $5.9MQ2 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 $0.04
Q4 2025$0.44Beat by $0.03
Q3 2025$0.37Miss by $0.03Q2 2025$0.41Beat by $0.03Q1 2025$0.34Beat by $0.01

Ask the moment Eastern Bankshares, Inc. reports.

Connect your AI and ask the moment the filing drops. It reads the release, surfaces what management said, and gives you its own read.

Connect your AI
Harbor at dusk
Claude

Questions, answered.

When did Eastern Bankshares, Inc. report Q4 2025 earnings?
Eastern Bankshares, Inc. (EBC) reported Q4 2025 earnings on January 22, 2026 after market close.
What were Eastern Bankshares, Inc.'s Q4 2025 revenue and EPS?
Eastern Bankshares, Inc. reported revenue of $290.1M and eps of $0.44 for Q4 2025.
Did Eastern Bankshares, Inc. beat estimates in Q4 2025?
Revenue beat the consensus estimate of $286.8M by $3.3M. EPS beat the consensus estimate of $0.41 by $0.03.
How did Eastern Bankshares, Inc.'s Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 34.0% from $216.5M a year earlier and eps grew 29.4% from $0.34.
Where can I find Eastern Bankshares, Inc.'s Q4 2025 SEC filings?
You can read the 8-K earnings release (0001628280-26-003101) and the 10-K periodic report (0001628280-26-013126) directly on SEC EDGAR. The filing index links above go to sec.gov.