Eastern Bankshares, Inc. (EBC)

22.29 -0.51% (-0.12)

Over 5Y: +29.2%

2026-08-28
10 15 20
2021 2022 2023 2024 2025 2026

Financials Quarterly

Q3 '21 — Revenue: 39.5M Q3 '21 — Operating Cash Flow: 67.5M Q3 '21 — Free Cash Flow: 65.5M Q3 '21 — Net Income: 37.1M Q4 '21 — Operating Cash Flow: 47.4M Q4 '21 — Free Cash Flow: 45.5M Q4 '21 — Net Income: 35.1M Q1 '22 — Revenue: 48.7M Q1 '22 — Operating Cash Flow: 68.4M Q1 '22 — Free Cash Flow: 65.1M Q1 '22 — Net Income: 51.5M Q2 '22 — Revenue: 45.2M Q2 '22 — Operating Cash Flow: 97.4M Q2 '22 — Free Cash Flow: 95.9M Q2 '22 — Net Income: 51.2M Q3 '22 — Revenue: 18.5M Q3 '22 — Operating Cash Flow: 60.7M Q3 '22 — Free Cash Flow: 59.2M Q3 '22 — Net Income: 54.8M Q4 '22 — Operating Cash Flow: 3.4M Q4 '22 — Free Cash Flow: 1.2M Q4 '22 — Net Income: 42.3M Q1 '23 — Revenue: 17.7M Q1 '23 — Operating Cash Flow: 100.5M Q1 '23 — Free Cash Flow: 99.3M Q1 '23 — Net Income: -194.1M Q2 '23 — Revenue: 19.8M Q2 '23 — Operating Cash Flow: 72.4M Q2 '23 — Free Cash Flow: 71.5M Q2 '23 — Net Income: 48.7M Q3 '23 — Revenue: 19.6M Q3 '23 — Operating Cash Flow: 36M Q3 '23 — Free Cash Flow: 33.9M Q3 '23 — Net Income: 59.1M Q4 '23 — Revenue: 19.8M Q4 '23 — Operating Cash Flow: 52.8M Q4 '23 — Free Cash Flow: 48.9M Q4 '23 — Net Income: 318.5M Q1 '24 — Revenue: 20.4M Q1 '24 — Operating Cash Flow: 32.6M Q1 '24 — Free Cash Flow: 30.1M Q1 '24 — Net Income: 38.6M Q2 '24 — Revenue: 28.9M Q2 '24 — Operating Cash Flow: 54.3M Q2 '24 — Free Cash Flow: 50.3M Q2 '24 — Net Income: 26.3M Q3 '24 — Revenue: 30.1M Q3 '24 — Operating Cash Flow: 108.3M Q3 '24 — Free Cash Flow: 106.5M Q3 '24 — Net Income: -6.2M Q4 '24 — Revenue: 33.2M Q4 '24 — Operating Cash Flow: 88.7M Q4 '24 — Free Cash Flow: 83.4M Q4 '24 — Net Income: 60.8M Q1 '25 — Revenue: 31.1M Q1 '25 — Operating Cash Flow: 47.3M Q1 '25 — Free Cash Flow: 45.5M Q1 '25 — Net Income: -217.7M Q2 '25 — Revenue: 32.5M Q2 '25 — Operating Cash Flow: 123.9M Q2 '25 — Free Cash Flow: 119.3M Q2 '25 — Net Income: 100.2M Q3 '25 — Revenue: 33M Q3 '25 — Operating Cash Flow: 157.1M Q3 '25 — Free Cash Flow: 148.4M Q3 '25 — Net Income: 106.1M Q4 '25 — Revenue: 37.5M Q4 '25 — Operating Cash Flow: 104.1M Q4 '25 — Free Cash Flow: 99.8M Q4 '25 — Net Income: 99.5M Q1 '26 — Revenue: 37.2M Q1 '26 — Operating Cash Flow: -9.5M Q1 '26 — Free Cash Flow: -12.5M Q1 '26 — Net Income: 65.3M Q2 '26 — Revenue: 38.7M Q2 '26 — Operating Cash Flow: 154.6M Q2 '26 — Free Cash Flow: 149.8M Q2 '26 — Net Income: 105.2M -150M 0 150M 300M 450M
Q4 '21 Q3 '22 Q2 '23 Q1 '24 Q4 '24 Q3 '25 Q2 '26
Revenue Operating Cash Flow Free Cash Flow Net Income

Figures as at 2026-06-30, reported in USD. The newest fact in the filings is dated 2026-06-30, 61 days ago. Nothing on this page is advice.

How it scores

Five questions, each answered by the measures under it. Every figure is the company's own; the bar beside it is where that figure sits among the companies read here — the top fifth, the bottom fifth, or somewhere between. Not among all listed companies, and for a valuation multiple the low end is the good end.

Quality

How much of the revenue is really kept — and what did it take to earn it?

7.8
OE margin 252.3%
SBC / sales 11.3%
Accruals -0.097%
FCF margin 263.5%
OCF margin 277.9%
Profit margin 257.2%
ROE 8.8%
ROA 1.2%
Asset turnover 0.0047×
EBITDA margin —
Gross margin —
OCF / EBIT —
Oper. margin —
ROCE —
ROIC —

2 of 17 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Valuation

What does the price ask for what the company earns, owns and pays out?

0.5
Div. yield —
EV/EBIT —
EV/GP —
EV/OE —
EV/Sales —
FCF yield —
Fwd P/E —
P/B —
P/C —
P/E —
PEG —

0 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Durability

How predictable is the revenue, and how much of it is already committed?

1.0
RPO / sales —
RPO growth —
Segment HHI —

2 of 7 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Resilience

Can the balance sheet absorb a bad year?

2.0
ND/EBITDA —
Debt / Eq 0.093×
Debt payback 0.16 yr
Net debt / Eq 0.014×
Cash / Debt 0.84×
Payout 31.2%
F-score 4.5 pts
Cash runway —
Current ratio —
Interest cover —
Quick ratio —

1 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Growth

Is the business getting bigger, and is it getting more profitable?

2.5
Sales CAGR 4Y +17.9%
Sales/sh Y/Y +2.7%
Div. growth +28.1%
Sales Q/Q +18.8%
EPS CAGR 4Y -16.9%
Shares change +12.2%
EBIT CAGR —
EBIT Y/Y —
EPS Y/Y —
EPS next Y —

2 of 13 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

A measure absent from a block could not be computed from this company's filings. It is left out rather than scored as though it were bad, and the dimension is averaged over what remains. A score is measured against a fixed scale this model states; the bar is measured against the other companies, so the two can disagree — and where they do, that disagreement is the more interesting figure.