Eastern Bankshares, Inc.

EBC

$22.21

+0.59%

2026-09-04 09:49:55 EDT+$0.13

Financial Services

Banks - Regional

NASDAQ

Active Trading

Eastern Bankshares, Inc. operates as the bank holding company for Eastern Bank that provides banking, trust, and investment services to retail, commercial, ...

Financial Highlights of EBC

Profitability trend

Latest / TTM · 6 periods

Gross Margin

72.6%

Net Margin

26.3%

P/E Ratio

12.55x

n/a

Debt / Equity

0.09

n/a

Current Ratio

0.20

Dividend Yield

2.4%

Understanding

TTM —

Current ratio below 1.0

Financial highlights

Latest / TTM · 6 periods

Snapshot

Latest / TTM: 2026-09-04

Gross Margin

72.6%

Net Margin

26.3%

P/E Ratio

12.55x

Debt / Equity

0.09

Profitability

Profitability table

Metric	2021	2022	2023	2024	2025	2026
Gross MarginGross profit as a percentage of revenue.	100.8%	91.9%	52.4%	62.0%	65.8%	—
Operating MarginOperating income as a percentage of revenue.	33.6%	34.9%	-22.6%	14.5%	9.4%	—
Net MarginNet income as a percentage of revenue.	29.5%	29.3%	41.6%	11.2%	8.3%	—
EBITDA MarginEBITDA divided by revenue.	38.0%	38.4%	-18.3%	18.1%	15.4%	—
Pre-tax MarginPre-tax profit as a percentage of revenue.	33.6%	34.9%	-22.6%	14.5%	9.4%	—

Liquidity & leverage

Liquidity & leverage table

Metric	2021	2022	2023	2024	2025	2026
Current RatioCurrent assets divided by current liabilities.	0.51	0.36	0.30	0.25	0.03	—
Quick RatioLiquid assets divided by current liabilities.	0.51	0.36	0.30	0.25	0.03	—
Cash RatioCash and equivalents divided by current liabilities.	0.06	0.01	0.04	0.05	0.01	—
Debt / AssetsDebt as a share of total assets.	0.1%	3.2%	0.2%	0.2%	0.7%	—
Debt / EquityDebt compared with shareholder equity.	0.01	0.29	0.01	0.01	0.05	—

Operating efficiency

Operating efficiency table

Metric	2021	2022	2023	2024	2025	2026
Receivables TurnoverHow often receivables are collected in a year.	0.00x	0.00x	0.00x	0.00x	0.00x	—
Inventory TurnoverHow often inventory is sold in a year.	0.00x	0.00x	0.00x	0.00x	0.00x	—
Payables TurnoverHow often payables are paid in a year.	0.00x	0.00x	0.00x	0.00x	0.00x	—
Asset TurnoverRevenue generated per dollar of assets.	0.02x	0.03x	0.03x	0.04x	0.03x	—
Working Capital TurnoverRevenue generated per dollar of working capital.	-0.06x	-0.06x	-0.04x	-0.08x	-0.05x	—

Valuation ratios

Valuation ratios table

Metric	2021	2022	2023	2024	2025	2026
P/E RatioPrice paid for each dollar of earnings.	22.41x	14.26x	9.93x	26.14x	46.07x	—
P/B RatioPrice paid for each dollar of book value.	1.02x	1.16x	0.77x	0.87x	0.91x	—
P/S RatioPrice paid for each dollar of sales.	6.63x	4.19x	4.12x	2.92x	3.75x	—
P/FCF RatioPrice paid for each dollar of free cash flow.	20.58x	12.90x	9.09x	11.56x	9.60x	—
Dividend YieldAnnual dividend divided by current share price.	1.5%	2.3%	2.9%	2.6%	2.7%	—

Upstream

Infosys Limited (Finacle)NSE:INFYnCino, Inc.NASDAQ:NCNOBackbaseFidelity National Information Services (FIS)NYSE:FIS Microsoft CorporationNASDAQ:MSFTPlaid Inc.Automatic Data Processing (ADP)NASDAQ:ADPFederal Home Loan Bank of Boston (FHLB Boston)Continental Stock Transfer & Trust CompanyVisa Inc.NYSE:V Mastercard IncorporatedNYSE:MA

Downstream

Retail Banking Customers (Individuals)Commercial & SME Banking CustomersWealth Management Clients (Cambridge Trust Wealth Management)Innovation Banking / Growth-Stage CompaniesSmall Business Banking CustomersEastern Bank Branch Network (125+ physical locations)Digital Banking Channels (Backbase-powered)Cambridge Trust Wealth Management (Division of Eastern Bank)

Proxies

Independent Bank Corp. (Rockland Trust)NASDAQ:INDB Brookline Bancorp, Inc.NASDAQ:BRKL Berkshire Hills Bancorp, Inc.NYSE:BHLB Enterprise Bancorp, Inc.NASDAQ:EBTC nCino, Inc.NASDAQ:NCNO

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Eastern Bankshares, Inc.

Financial Highlights of EBC

Financial highlights

Snapshot

Profitability

Liquidity & leverage

Operating efficiency

Valuation ratios

Supply Chain of EBC

Upstream

Downstream

Proxies

Financial Highlights of EBC

Financial highlights

Snapshot

Profitability

Liquidity & leverage

Operating efficiency

Valuation ratios

Supply Chain of EBC

Upstream

Downstream

Proxies