NASDAQ$EBC

Eastern Bankshares Inc · Q4 2020 earnings

Q4 2020 earnings · · Investor relations

Briefing

Eastern Bank reported a net loss due to a one-time stock donation to its charitable foundation, while operating net income remained strong and a quarterly cash dividend was initiated.

Eastern Bankshares, Inc. reported a net loss of $44.1 million for Q4 2020 due to a one-time donation of stock to the Eastern Bank Charitable Foundation. However, operating net income was $31.6 million, and the company initiated a quarterly cash dividend of $0.06 per share.

  • Net loss was $44.1 million, or $0.26 per share, for the fourth quarter due to the stock contribution to the EBCF.
  • Operating net income was $31.6 million, or $0.18 per share, for the fourth quarter.
  • Total assets were $16.0 billion at December 31, 2020, representing an increase of $503.6 million or 3% from September 30, 2020.
  • The Company's Board of Directors declared a quarterly cash dividend of $0.06 per common share.

Headline financials

Total Revenue

$153M

Previous: $151M+1.2%
EPS (adj)

-$0.26

Previous: $0.15-274.8%
Net interest margin - FTE

2.8%

No prior period
Efficiency ratio

130.0%

No prior period
Total NPLs / total loans

0.5%

No prior period
Net Income

-$44.1M

Previous: $31.2M-241.1%
Operating Income

-$46.8M

Previous: $47.8M-197.9%
Gross Profit

$151M

Previous: $148M+2.0%
Cash & Equivalents

$2.05B

No prior period
Total Assets

$16B

No prior period
Stock-Based Comp

$2.35M

No prior period

Revenue & EPS history

Eastern Bank · Revenue · Quarterly

$153M

Q4 2020+1.2%vs Q4 2019
Beat estimate in 6 of 10 quarters(60%)
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

The company expects to continue paying quarterly dividends, the declaration, timing and amounts of which remain subject to the discretion of the Company’s Board of Directors.

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 Q4 2020

Historical avgQ4 2020

-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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