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Eastern Bankshares, Inc. EBC Accretion of deferred loan fees and premiums, net

Accretion of deferred loan fees and premiums, net at other companies

Customers Bancorp logo
Customers BancorpCUBI
-$5.97M+17.7%
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Customers BancorpCUBI
-$10.6M-54.2%
Customers Bancorp logo
Customers BancorpCUBI
-$5.97M+17.7%
NFB
NFBKNFBK
$791K-37.4%
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NFBKNFBK
$791K-37.4%
Starwood Property Trust logo
Starwood Property TrustSTWD
$18.77M+48.7%

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$5.23B+77.2%
Enterprise value$5.47B+116%
P/E13.9×
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 ebc:ChangeInUnamortizedNetLoanCostsAndPremiums.

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)Six Months Ended June 30, 2026Six Months Ended June 30, 2025
Adjustments to reconcile net (loss) income to net cash provided by operating activities
Provision for allowance for loan losses12,51114,200
Depreciation and amortization31,16621,408
Accretion of deferred loan fees and premiums, net(30,396)(22,976)
Deferred income tax expense (benefit)23,181(41,224)
Accretion of investment security premiums and discounts, net(4,563)(3,177)
Right-of-use asset amortization6,6426,410
Share-based compensation8,5978,997

Item 1. Financial Statements

FAQ

What is Eastern Bankshares, Inc.'s accretion of deferred loan fees and premiums, net?
Eastern Bankshares, Inc. (EBC) reported accretion of deferred loan fees and premiums, net of -$15.53M in Q2 2026.
How has Eastern Bankshares, Inc.'s accretion of deferred loan fees and premiums, net changed year-over-year?
Eastern Bankshares, Inc.'s accretion of deferred loan fees and premiums, net decreased by 15.7% year-over-year, from -$13.42M to -$15.53M.
What is the long-term trend for Eastern Bankshares, Inc.'s accretion of deferred loan fees and premiums, net?
Over 3 years (2021 to 2025), Eastern Bankshares, Inc.'s accretion of deferred loan fees and premiums, net has grown at a 20.0% compound annual growth rate (CAGR), from -$27.99M to -$48.37M.
What does accretion of deferred loan fees and premiums, net mean?
This reflects the non-cash amortization or accretion of deferred fees, costs, and premiums associated with loan originations. It adjusts net income to reflect the effective interest income recognized over the life of the loan portfolio.

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