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Eastern Bankshares, Inc. key statistics and ratios

In fiscal 2025, Eastern Bankshares, Inc. had return on equity of 2.2% and a net margin of 12.2%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2018Dec 20182019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Net margin21.5%22.8%3.9%29.3%31.0%74.3%16.3%12.2%33.5%
Return on equity8.6%8.9%0.9%4.5%6.8%8.5%3.6%2.2%8.7%
Return on assets1.1%1.2%0.2%0.8%0.9%1.1%0.5%0.3%1.2%
Effective tax rate22.1%22.6%36.7%17.3%21.7%—23.2%11.3%6.4%
Dividends ÷ net income—0.0%0.0%33.3%33.0%28.7%69.0%119.8%31.2%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

33 /100

Weak moat

How hard Eastern Bankshares's competitive advantage looks for rivals to wear away, judged from 7 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 8 / 20

    Net income has been a median 0.8% of total assets over 7 years.

  • Durability 5 / 20

    Net margin has been a median 18.4%; its worst year was -14.2%.

  • Discipline 10 / 20

    The diluted share count rose 66.6% over five years; stock-based pay has been a median 2.0% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (38 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

Head to head: BKU vs EBCEBC vs HOMBEBC vs UCB

More: Regional Banks stocks compared, Financials sector, rankings of US companies

Figures from Eastern Bankshares, Inc.'s SEC filings (10-K and 10-Q), retrieved October 26, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Eastern Bankshares, Inc.