Eastern Bankshares vs United Community Banks
United Community Banks is the larger business, with $1.06bn of revenue in fiscal 2025 against $723m for Eastern Bankshares (1.5 times as much). United Community Banks grew faster (11.7% against -1.2%). United Community Banks kept more of each dollar of sales as profit: a net margin of 30.9% against 12.2%.
| Latest fiscal year | Eastern BanksharesEBC, 2025 | United Community BanksUCB, 2025 |
|---|---|---|
| Revenue | $723m | $1.06bn |
| Revenue growth | -1.2% | 11.7% |
| Net income | $88.2m | $328m |
| Operating margin | — | — |
| Net margin | 12.2% | 30.9% |
| Return on equity | 2.2% | 9.3% |
| Free cash flow | $413m | $356m |
| Cash | $317m | $396m |
| Total debt | $215m | $205m |
| Debt to equity | — | — |
| Dividend per share | $0.51 | $0.98 |
| Dividend yield | 2.2% | 2.7% |
| Share buybacks | $107m | $44.3m |
| Employees | 2,450 | 3,070 |
| Market value | $5.22bn | $4.46bn |
| Price vs our value range | — | — |
| Moat score | 33 (Weak) | 63 (Moderate) |
| Insider trades, 12 months | 2 buys, 17 sales | 1 buys, 9 sales |