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Eastern Bankshares, Inc. EBC Net Interest Income

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Other financials

Income statement

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Revenue$309.5M+26.4%
Net income$105.2M+5.0%
EPS (diluted)$0.48-4.0%

Balance sheet

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Cash & equivalents$256.2M-53.7%
Total debt$495.5M+260%
Total equity$4.3B+16.3%
Total assets$31.1B+22.3%

Cash flow

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Operating cash flow$154.6M+24.8%
CapEx$4.8M+5.6%
Free cash flow$149.8M+25.5%

Valuation

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Market cap$5.31B+79.7%
Enterprise value$5.55B+119%
P/E14.1×
P/S4.7×-0.1×

Profitability

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Net margin33.5%+27.2pp
FCF margin34.3%-23.1pp

Returns & leverage

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Return on equity9.4%+8.1pp
Debt / equity0.1×+0.1×

Where this comes from

Reported directly by Eastern Bankshares, Inc. in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseNet.

The source filing: Eastern Bankshares, Inc.’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 10:54 AM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001628280-26-054656
(In thousands, except per share data)Three Months Ended June 30, 2026Three Months Ended June 30, 2025Six Months Ended June 30, 2026Six Months Ended June 30, 2025
Interest on deposits93,03976,706183,474152,704
Interest on borrowings4,9386039,3931,411
Total interest expense97,97777,309192,867154,115
Net interest income251,932202,030496,588390,929
Provision for allowance for loan losses6,7557,60012,51114,200
Net interest income after provision for allowance for loan losses245,177194,430484,077376,729
Noninterest income (loss):
Investment advisory fees19,69317,28238,00733,719

Item 1. Financial Statements

FAQ

What is Eastern Bankshares, Inc.'s net interest income?
Eastern Bankshares, Inc. (EBC) reported net interest income of $251.93M in Q2 2026.
How has Eastern Bankshares, Inc.'s net interest income changed year-over-year?
Eastern Bankshares, Inc.'s net interest income increased by 24.7% year-over-year, from $202.03M to $251.93M.
What is the long-term trend for Eastern Bankshares, Inc.'s net interest income?
Over 4 years (2021 to 2025), Eastern Bankshares, Inc.'s net interest income has grown at a 17.8% compound annual growth rate (CAGR), from $429.83M to $828.59M.
What does net interest income mean?
This is the difference between the interest income generated from earning assets and the interest expense paid on funding liabilities. It serves as the primary driver of a bank's core profitability and operational success. It reflects the bank's ability to manage interest rate risk and price its products effectively.

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