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Eastern Bankshares, Inc. EBC Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

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$204.68M+45.9%
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$280.35M+4.4%
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$36.67M+24.9%
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$236.44M+9.0%
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International BancsharesIBOC
$160M-1.9%

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:InterestIncomeExpenseAfterProvisionForLoanLoss.

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
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
Service charges on deposit accounts10,0448,24419,97116,559
Card income6,0384,23011,8358,150

Item 1. Financial Statements

FAQ

What is Eastern Bankshares, Inc.'s net interest income (after provisions)?
Eastern Bankshares, Inc. (EBC) reported net interest income (after provisions) of $245.18M in Q2 2026.
How has Eastern Bankshares, Inc.'s net interest income (after provisions) changed year-over-year?
Eastern Bankshares, Inc.'s net interest income (after provisions) increased by 26.1% year-over-year, from $194.43M to $245.18M.
What is the long-term trend for Eastern Bankshares, Inc.'s net interest income (after provisions)?
Over 4 years (2021 to 2025), Eastern Bankshares, Inc.'s net interest income (after provisions) has grown at a 16.2% compound annual growth rate (CAGR), from $439.51M to $802.39M.
What does net interest income (after provisions) mean?
This metric adjusts net interest income by subtracting the provision for credit losses, which accounts for expected future loan defaults. It provides a more accurate view of the bank's net revenue after accounting for the inherent risk in its loan portfolio. This is a vital indicator of the bank's underlying credit quality and earnings sustainability.

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