NASDAQ$EBC

Eastern Bankshares Inc · Q1 2025 earnings

Q1 2025 earnings · · After market close · Investor relations

Briefing

Eastern Bankshares reported Q1 2025 revenue of $210.0M, net income of $38.6M, diluted EPS of $0.24.

For Q1 2025, Eastern Bankshares reported Revenue was $210.0M, net income was $38.6M, diluted EPS was $0.24. Management discusses segment trends, liquidity, and outlook in the quarterly filing.

  • Revenue $210.0M for Q1 2025.
  • Net income $38.6M.
  • Diluted EPS $0.24.

Headline financials

Total Revenue

-$47.2M

Previous: $158M-130.0%
EPS (adj)

$0.24

Previous: $0.24+0.0%
Net interest margin - FTE

3.4%

Previous: 2.7%+26.1%
Efficiency ratio

53.7%

No prior period
Total NPLs / total loans

0.5%

Previous: 0.4%+24.4%
Capital Expenditures

-$1.8M

Previous: -$2.49M+27.5%
Net Income

-$218M

Previous: $38.6M-663.2%
Operating Income

$67.5M

Previous: $53.7M+25.8%

Revenue & EPS history

Eastern Bank · Revenue · Quarterly

-$47.2M

Q1 2025-130%vs Q1 2024
Beat estimate in 6 of 14 quarters(43%)
ActualEstimate

Revenue by segment

Eastern Bank · $8.07M total across 2 segments · Q2 2023

  • Service charges on deposit accounts
    $7.24M
  • Interest rate swap income
    $825K

Forward guidance

Regional banks emphasize net interest income, credit quality, and capital returns.

Tailwinds

  • Loan growth and fee income when credit remains stable.
  • Deposit mix and capital support dividends and buybacks.

Headwinds

  • Net interest margin compression if rates fall.
  • Commercial real estate and consumer credit are watch items.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2025

Historical avgQ1 2025

-1.0%

Avg return

Earnings day

-1.4%

Avg return

5 days after

+1.9%

Avg return

30 days after

36%

8 / 22 earnings

Positive

+5.6%

Q1 2023

Best reaction

-8.6%

Q4 2022

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-2.7%-3.0%-3.3%
Q4 2025-1.5%-2.1%+5.2%
Q3 2025-3.8%-8.9%-0.8%
Q2 2025-2.0%-1.1%+8.1%
Q1 2025-6.5%-5.5%-6.4%
Q3 2024-4.6%+0.8%+12.9%
Q2 2024+4.8%+2.9%+3.4%
Q1 2024-0.7%-4.3%+3.4%
Q4 2023-0.2%+5.9%-5.6%
Q3 2023-2.6%-4.4%+4.9%
Q2 2023+1.3%-1.1%-8.0%
Q1 2023+5.6%-5.0%+2.5%
Q4 2022-8.6%-7.7%-9.6%
Q3 2022-8.4%-10.6%-8.8%
Q2 2022+2.4%+0.9%+0.8%
Q1 2022-2.0%-2.0%-0.3%
Q4 2021+0.3%+2.6%+6.3%
Q3 2021+2.6%+4.5%-0.9%
Q2 2021-1.4%-1.2%+7.6%
Q1 2021+0.4%+2.4%+5.4%
Q4 2020-0.4%+1.3%+10.1%
Q3 2020+5.1%+5.0%+15.9%
Q2 2020
Q1 2020
Q4 2019
Q3 2019
Q2 2019
Q1 2019

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