Eastern Bankshares (EBC) earnings

Eastern Bankshares, Inc.· Financials

Results to: Jun 2026
Latest analysed call: Sep 2026 (Q3 FY26)
Balance sheet to: Dec 2025

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Eastern Bankshares earnings: last reported Fri, 23 Oct 2026, for the quarter ended Sep 2026.

Reported

The figures, each with its period

Each figure keeps its basis and period; nothing is filled in.

Metric	Value	Change	Basis	Period	Note
Revenue	38.7 $ million	+18.8% YoY	Quarterly, as filed	Quarter to Jun 2026	Revenue from operations as filed.
Operating margin	Unavailable	—	Operating profit / revenue	Quarter to Jun 2026	Not in the filed figures for the quarter to jun 2026. No older figure is substituted.
Net profit	105 $ million	+5.0% YoY	Quarterly, as filed	Quarter to Jun 2026	Profit after tax as filed.

Source: Inve data from filed results (SEC filings) · to Jun 2026

Price

$22.4 +1.31% · +$0.29

Last close Oct 23, 2026 · US · USD · Source: Inve

Performance +21.8% 1Y

1Y: $18.39 on 22 Oct 2025 → $22.4. High $23.65 (17 Aug 2026), low $16.73 (29 Oct 2025).

Previous close: $22.11
52-week range: $16.73 – $23.65
One year: +22.00%

Overview

Symbol: EBC
Sector: Financials
Exchange: US
Currency: USD

Financials

What the filings say

Net profit, year on year: +5% (quarter to jun 2026 against jun 2025).

In $ million. Oldest period first.

Line item	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Sales	30	33	31	33	33	37	37	39
Interest	96	—	—	—	—	—	—	—
Profit before tax	-3	72	-184	100	94	89	84	135
Tax rate	−84.5%	15.8%	−18.3%	0.1%	−13.0%	−11.6%	22.1%	22.0%
Net profit	-6	61	-218	100	106	100	65	105
EPS ($ per share)	-0.03	—	-1.09	0.50	0.53	—	0.29	0.48

Source: Inve data · income statement, quarterly · to Jun 2026

In $ million. Oldest period first.

Line item	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Equity capital	—	0	2	2	2	2	2	2
Reserves	—	1,644	1,666	1,769	1,882	2,048	2,085	2,067
Total liabilities	9,945	10,029	12,536	20,106	20,175	18,158	21,946	26,246
Fixed assets	—	57	49	66	62	60	65	118
Investments	—	227	1,937	1,087	63	606	914	191
Total assets	11,378	11,629	15,964	23,512	22,647	21,133	25,558	30,587

Source: Inve data · balance sheet · to Dec 2025

In $ million. Oldest period first.

Line item	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Cash from operations	205	196	70	174	230	262	284	432
Cash from investing	-647	-145	-2,390	-1,986	-1,077	2,400	1,059	-364
Cash from financing	391	52	4,012	989	-216	-2,138	-1,029	-758
Net cash flow	-51	103	1,691	-822	-1,062	524	314	-690
Capital expenditure	-9	-7	-5	-6	-9	-8	-14	-19
Free cash flow	196	189	65	169	221	254	270	413

Source: Inve data · cash flow · to Dec 2025

EBC revenue by segment

Other Non Interest Income shrank from 11% to 7% of revenue over the last two years.

EBC revenue by business segment, share of consolidated revenue by quarter
Segment	Q3 FY2024	Q4 FY2024	Q1 FY2025	Q2 FY2025	Q3 FY2025	Q4 FY2025	Q1 FY2026	Q2 FY2026	YoY growth latest quarter
Investment Advisory Fees	—	—	53%	53%	53%	50%	49%	51%	+14.0%
Service Charge On Deposit Accounts	27%	25%	27%	25%	26%	27%	27%	26%	+21.8%
Card Income	—	—	—	—	—	—	16%	16%	—
Other Non Interest Income	11%	10%	8%	9%	8%	8%	8%	7%	+3.8%

Share of consolidated revenue by quarter. Q4 is the fiscal year less its first three quarters.

See how segments are shifting across companies → Segment Shift

EBC operating KPIs by quarter

EBC operating KPIs stated on its earnings calls, by fiscal quarter
KPI	Mar 2026 Q1 FY26	Jun 2026 Q2 FY26	Sep 2026 Q3 FY26	Change vs prior quarter
Return on tangible common equity (ROTCE)	12.8% Operating income increased 31% and operating earnings per share increased 18% from a year ago and generated an operating return on average tangible common equity of 12.8%. Source: earnings call transcript	15.3% Record operating net income increased 20% linked quarter and 30% from a year ago, driving an operating return on average tangible common equity of 15.3%. Source: earnings call transcript	15.7% As a result, the operating efficiency ratio improved to 47.5%, contributing to a 3 basis point increase in operating ROAA to 141 basis points and a 37 basis point improvement in operating return on average tangible common equity to 15.7% compared to the second quarter. Source: earnings call transcript	+0.4 pt
Assets under management (AUM)	$9.8B Wealth assets increased to a record high of $10.3 billion including $9.8 billion in assets under management, driven by strong positive net flows, partially offset by weaker equity market performance. Source: earnings call transcript	—	$10.8B Assets under administration increased to $11.6 billion, including $10.8 billion in assets under management. Source: earnings call transcript	—
Net interest margin	3.63% The net interest margin expanded 2 basis points linked quarter to 3.63%. Source: earnings call transcript	3.66% Net interest income grew 3% from Q1 as the margin expanded 3 basis points to 3.66%. Source: earnings call transcript	3.62% Net interest margin declined 4 basis points to 3.62%, which was in line with our expectations as higher funding costs more than offset improvement in asset yields. Source: earnings call transcript	0 pt
Common equity tier 1 ratio (CET1)	13.2% Our capital position remains strong as indicated by CET1 and TCE ratios of 13.2% and 10.2%, respectively. Source: earnings call transcript	13% As seen on Slide 12, our capital position remains strong, as indicated by CET1 and TCE ratios of 13% and 10.1%, respectively. Source: earnings call transcript	13% Our capital position remains strong as indicated by CET1 and TCE ratios of 13% and 9.6%, respectively. Source: earnings call transcript	0 pt

Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.

Insider filings

82 filings between Oct 28, 2025 and Sep 14, 2026.

Open market

decisions to buy or sell

Purchases

$1.39M

5 purchases by 2 insiders

Sales

$9.40M

17 sales by 7 insiders

53% filed under a 10b5-1 plan — scheduled in advance, not decided on the day

Compensation

not trading decisions

20: Award — granted as compensation
19: Option exercise — converted options into shares
21: Tax withheld — shares kept back by the company to cover tax

Who traded

open market only

Insider	Bought	Sold	Last filing
CASEY JOSEPH F	—	$7.10M	Aug 25, 2026
Westermann Donald Michael	—	$1.15M	Sep 1, 2026
Rivers Robert Francis	$860.5K	—	Oct 28, 2025
Rosato R David	$527.7K	—	Mar 6, 2026
Henry Kathleen Cloherty	—	$303.5K	Sep 2, 2026
Antonakes Steven Louis	—	$296.3K	Sep 1, 2026
Borgen Luis	—	$249.1K	Jul 6, 2026
Ahlquist David Andrew	—	$216.5K	Feb 5, 2026

Latest filings (50)

Date	Insider	What	Shares	Value
Sep 14, 2026	Bane Richard Corey Director	Sale	4,000	$87.1K
Sep 3, 2026	SHEAHAN DENIS K Chief Executive Officer	Tax withheld	4,162	$91.9K
Sep 3, 2026	Rosato R David Chief Financial Officer	Option exercise	11,356	$0
Sep 3, 2026	Rosato R David Chief Financial Officer	Tax withheld	3,354	$74.1K
Sep 3, 2026	SHEAHAN DENIS K Chief Executive Officer	Option exercise	8,607	$0
Sep 2, 2026	Henry Kathleen Cloherty Executive VP, General Counsel	Sale	14,000	$303.5K
Sep 1, 2026	Antonakes Steven Louis Executive VP	Sale	13,500	$296.3K
Sep 1, 2026	Westermann Donald Michael Chief Information Officer	Sale	10,407	$226.6K
Sep 1, 2026	Westermann Donald Michael Chief Information Officer	Sale	23,005	$493.0K
Aug 25, 2026	CASEY JOSEPH F Director	Sale 10b5-1 plan	1,778	$40.3K
Aug 24, 2026	CASEY JOSEPH F Director	Sale 10b5-1 plan	10,000	$227.2K
Aug 21, 2026	CASEY JOSEPH F Director	Sale 10b5-1 plan	10,000	$229.6K
Aug 20, 2026	CASEY JOSEPH F Director	Sale 10b5-1 plan	10,000	$228.8K
Aug 19, 2026	CASEY JOSEPH F Director	Sale 10b5-1 plan	10,000	$236.2K
Jul 6, 2026	Borgen Luis Director	Sale 10b5-1 plan	1,710	$38.8K
Jun 29, 2026	Borgen Luis Director	Sale 10b5-1 plan	1,709	$37.5K
May 18, 2026	Palandjian Leon Aghababai Director	Award	3,883	$0
May 18, 2026	Zelleke Andargachew S Director	Award	3,883	$0
May 18, 2026	Sullivan Michael James Director	Award	3,883	$0
May 18, 2026	Williams Linda Marie Director	Award	3,883	$0
May 18, 2026	CASEY JOSEPH F Director	Award	3,883	$0
May 18, 2026	Jackson Deborah C Director	Award	3,883	$0
May 18, 2026	CHUNG JOSEPH Director	Award	3,883	$0
May 18, 2026	Hessan Diane Director	Award	3,883	$0
May 18, 2026	Markell Peter Kenneth Director	Award	3,883	$0
May 18, 2026	Borgen Luis Director	Award	3,883	$0
May 18, 2026	Schmidt Cathleen Agnes Director	Award	3,883	$0
May 18, 2026	Harlam Bari A Director	Award	3,883	$0
May 18, 2026	Holbrook Richard Edward Director	Award	3,883	$0
May 18, 2026	Bane Richard Corey Director	Award	3,883	$0
May 18, 2026	HARNEY MARISA Director	Award	3,883	$0
Mar 6, 2026	Rosato R David Chief Financial Officer	Purchase	5,000	$92.3K
Mar 5, 2026	Rosato R David Chief Financial Officer	Purchase	5,000	$95.9K
Mar 3, 2026	Westermann Donald Michael Chief Information Officer	Option exercise	2,165	$0
Mar 3, 2026	Henry Kathleen Cloherty Executive VP, General Counsel	Tax withheld	961	$18.7K
Mar 3, 2026	Henry Kathleen Cloherty Executive VP, General Counsel	Option exercise	2,165	$0
Mar 3, 2026	Miller Quincy Lee President	Tax withheld	2,493	$48.5K
Mar 3, 2026	Ahlquist David Andrew SVP, Chief Accounting Officer	Tax withheld	567	$11.0K
Mar 3, 2026	Miller Quincy Lee President	Option exercise	5,621	$0
Mar 3, 2026	SHEAHAN DENIS K Chief Executive Officer	Tax withheld	15,184	$295.3K
Mar 3, 2026	Westermann Donald Michael Chief Information Officer	Tax withheld	961	$18.7K
Mar 3, 2026	Ahlquist David Andrew SVP, Chief Accounting Officer	Option exercise	1,634	$0
Mar 3, 2026	SHEAHAN DENIS K Chief Executive Officer	Option exercise	34,065	$0
Mar 3, 2026	Rivers Robert Francis Executive Chair	Tax withheld	5,427	$105.6K
Mar 3, 2026	Rivers Robert Francis Executive Chair	Option exercise	11,223	$0
Mar 3, 2026	Antonakes Steven Louis Executive VP	Tax withheld	486	$9.5K
Mar 3, 2026	Antonakes Steven Louis Executive VP	Option exercise	1,654	$0
Mar 3, 2026	Rosato R David Chief Financial Officer	Tax withheld	1,425	$27.7K
Mar 3, 2026	Rosato R David Chief Financial Officer	Option exercise	4,135	$0
Mar 1, 2026	Henry Kathleen Cloherty Executive VP, General Counsel	Tax withheld	7,664	$149.9K

Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.

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