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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 a month)
Revenue estimate$310.4M
EPS estimate$0.49

Financials

Q4 2025

Income statement

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

Balance sheet

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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

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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

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

Returns & leverage

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

Segments

By product

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

FAQ

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.