EBC at a glance
Eastern Bankshares, Inc. (EBC, SEC CIK 1810546) filed its latest 10-K annual report on March 2, 2026, a 10-Q quarterly report on August 7, 2026, an 8-K current report on July 23, 2026 and Form 4 insider filings as recently as September 15, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), Eastern Bankshares, Inc. (EBC) reported revenue of $134.1 million (up 19.1% from FY2024) and net income of $88.2 million. Diluted EPS was $0.43.
- As of June 30, 2026, 28 institutional investment managers tracked by SignalX reported holding Eastern Bankshares, Inc. (EBC) shares worth $2.3 billion in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by Bane Richard Corey on September 14, 2026 of 4,000 shares at $21.78 per share.
- In the last 90 days, EBC insiders reported 0 open-market purchases ($0) and 10 open-market sales ($2.4M) on Form 4, a net sale of $2.4M.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $134.1M
- +19.1% vs prior year
- Insiders · 90 days
- 0 buys · 10 sells
- Net −$2.4M
- 13F holders
- 28 funds
- $2.3B · −2 vs prior quarter
- Latest 8-K
- Jul 23, 2026
- Item 2.02 · Item 7.01 · Item 8.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business as a Nasdaq-traded regional bank focused on shareholder value and dividend payments
- New share repurchase program authorized Oct 23, 2025 for up to 11.9 million shares through Oct 31, 2026
- Completed prior $200 million repurchase program of 10.8 million shares during Q3 2025
- Cumulative total shareholder return 28.18% from Oct 2020 through Dec 2025, underperforming Russell 2000 at 34.4%
- 8,510 common shareholders of record as of Feb 24, 2026, reflecting shareholder base scale
Risk Factors
- Regulatory risk: Compliance with SEC reporting and Regulation Fair Disclosure obligations via ongoing website updates and filings
- Operational risk: Integration of HarborOne merger workforce of 2,450 employees, including 2,247 full-time, critical for talent and cultural continuity
- Human capital risk: Retention of commercial lending, wealth management, and private banking talent to support organic growth post-merger
- Competitive risk: Maintaining intellectual property protections on trademarks and logos to preserve competitive position in regional banking
- Structural risk: Majority employee ownership through ESOP linking workforce financial interests to Company stock performance and retention
Management Discussion & Analysis
- Total liquidity sources $2.55B outstanding, $6.95B additional capacity at Dec 31, 2025 vs $2.08B/$5.20B in 2024
- FHLB borrowings $198M outstanding with $3.05B unused capacity, up from $18M/$2.38B in 2024
- Loans pledged to FHLB increased to $5.0B in 2025 from $2.3B in 2024 enhancing borrowing capacity
- Regulatory capital "well capitalized" at Dec 31, 2025 and 2024, complying with Massachusetts, FDIC, and Federal Reserve requirements
- Management performs liquidity stress testing and ALCO monitors liquidity and risk in unanticipated stress events
AI summary of the EBC 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Liquidity capacity $9.25B vs $6.95B at December 31, 2025
- FHLB outstanding borrowings $363.3M vs $198.1M, with unused capacity $5.16B vs $3.05B
- Average equity-to-assets ratio 13.93% vs 14.43%; total regulatory capital ratio 14.00% vs 14.32%
- Well-capitalized status maintained; Tier 1 leverage ratio 10.94% vs 11.65%
- Loan-origination commitments $7.6B, including $4.3B commercial and $2.8B home equity commitments
Risk Factors
- No material changes to risk factors from the 2025 Form 10-K
- Carried-forward risks remain the company’s principal regulatory, legal, operational, competitive, and market exposures
- Share-repurchase authorization creates capital-allocation risk with 1,274,179 shares remaining under the program
AI summary of the EBC 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 2.02: Results of Operations and Financial Condition
- Q2 2026 earnings announcement for quarter ended June 30, 2026
- Detailed financial results and management commentary contained in Exhibit 99.1
Item 7.01: Regulation FD Disclosure
- Quarterly cash dividend of $0.15 per share approved for shareholders
- Payable September 22, 2026 to shareholders of record September 8, 2026
Item 8.01: Other Events
- Repurchase authorization for up to 11.35 million shares, representing 5% of outstanding common stock
- Program runs through December 31, 2027, supporting potential capital return and share-count reduction
Item 5.07: Submission of Matters to a Vote of Security Holders
- Six director nominees elected to one-year terms ending at the 2027 annual meeting
- Director support strongest for Cathleen A. Schmidt with 172,755,127 votes for
Item 2.02: Results of Operations and Financial Condition
- Q1 2026 earnings announcement for quarter ended March 31, 2026
- Press release furnished as Exhibit 99.1, containing the financial results and management commentary
Item 7.01: Regulation FD Disclosure
- Quarterly cash dividend approved at $0.15 per share
- Payment scheduled for June 22, 2026, to shareholders of record June 5, 2026
AI summaries of EBC 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for EBC
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- Fund moves. Which tracked funds opened, added or cut EBC, by share count.
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Bane Richard Corey | Sell | Sep 14, 2026 | 4,000 | $21.78 |
| SHEAHAN DENIS K | M | Sep 3, 2026 | 8,607 | - |
| Rosato R David | F | Sep 3, 2026 | 3,354 | $22.08 |
| Rosato R David | M | Sep 3, 2026 | 11,356 | - |
| Rosato R David | M | Sep 3, 2026 | 11,356 | - |
| SHEAHAN DENIS K | M | Sep 3, 2026 | 8,607 | - |
| SHEAHAN DENIS K | F | Sep 3, 2026 | 4,162 | $22.08 |
| Henry Kathleen Cloherty | Sell | Sep 2, 2026 | 14,000 | $21.68 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|
| Profitability | ||||
| Revenue | $76.9M | $112.6M | $134.1M | |
| Net Income | $232.2M | $119.6M | $88.2M | |
| Net Margin | 302.1% | 106.2% | 65.8% | |
| Balance Sheet | ||||
| Total Assets | $21.1B | $25.6B | $30.6B | |
| Equity | $3.0B | $3.6B | $4.3B | |
| ROE | 7.8% | 3.3% | 2.0% | |
| Per Share | ||||
| EPS | $1.43 | $0.66 | $0.43 | |
| Cash Flow | ||||
| Operating CF | $261.7M | $283.8M | $432.4M | |
Source: XBRL data in Eastern Bankshares, Inc. (EBC)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate EBC share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 28 | $2.35B |
| Q1 2026 | 30 | $1.57B |
| Q4 2025 | 27 | $1.67B |
| Q3 2025 | 28 | $1.53B |
| Q2 2025 | 29 | $1.18B |
| Q1 2025 | 24 | $1.06B |
| Q4 2024 | 19 | $1.04B |
| Q3 2024 | 16 | $311.8M |
- Goldman Sachs Group+6.01M (+402%)
- BlackRock+5.70M (+34%)
- State Street Corp+3.60M (+42%)
- Vanguard Portfolio Management LLC+2.35M (+22%)
- JPMorgan Chase & Co+1.39M (+115%)
- Vanguard Capital Management LLC−104.1K (-1%)
- Bridgewater Associates LP−16.5K (-2%)
- Renaissance Technologies LLC−7.0K (-2%)
- U.S. Bancorp−179 (-0%)
- Citadel Advisors LLC−425.8K
- Millennium Management−237.3K
- Two Sigma Investments−32.3K
Source: 13F-HR filings on SEC EDGAR (aggregated from 201 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
EBC filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
8-K current reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Sep 15, 2026 | - | - | - |
| 4 | Sep 4, 2026 | - | - | - |
| 4 | Sep 4, 2026 | - | - | - |
| 4 | Sep 3, 2026 | - | - | - |
| 4 | Sep 2, 2026 | - | - | - |
| 4 | Sep 2, 2026 | - | - | - |
| 4 | Aug 26, 2026 | - | - | - |
| 4 | Aug 25, 2026 | - | - | - |
| 4 | Aug 24, 2026 | - | - | - |
| 4 | Aug 21, 2026 | - | - | - |
| 4 | Aug 20, 2026 | - | - | - |
| 10-Q | Aug 7, 2026 | Jun 30, 2026 | Analysis | |
| SC 13G | Aug 7, 2026 | - | - | |
| SC 13G | Jul 31, 2026 | - | - | |
| 8-K | Jul 23, 2026 | - | Analysis | - |
| 4 | Jul 7, 2026 | - | - | - |
| 4 | Jun 30, 2026 | - | - | - |
| 4 | May 20, 2026 | - | - | |
| 4 | May 20, 2026 | - | - | |
| 4 | May 20, 2026 | - | - | |
| 4 | May 20, 2026 | - | - | |
| 4 | May 20, 2026 | - | - | |
| 4 | May 20, 2026 | - | - | |
| 4 | May 20, 2026 | - | - | |
| 4 | May 20, 2026 | - | - |
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EBC SEC filings: frequently asked questions
Are EBC insiders buying or selling?
In the last 90 days, Eastern Bankshares, Inc. (EBC) officers, directors and 10% owners reported no open-market purchases and 10 open-market sales worth $2.4 million by 5 insiders on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold EBC stock?
As of June 30, 2026, the largest Eastern Bankshares, Inc. (EBC) holders among the 13F filers tracked by SignalX were BlackRock ($498.7 million), FMR LLC (Fidelity) ($357.1 million), Vanguard Portfolio Management LLC ($292.2 million), State Street Corp ($269.7 million), Dimensional Fund Advisors ($210.3 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was EBC's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), Eastern Bankshares, Inc. (EBC) reported revenue of $134.1 million (up 19.1% from FY2024) and net income of $88.2 million. Diluted EPS was $0.43. The figures come from the XBRL data in the 10-K.
What are the main risks in EBC's latest 10-K?
In the 10-K filed March 2, 2026, Eastern Bankshares, Inc. (EBC) flagged: Regulatory risk: Compliance with SEC reporting and Regulation Fair Disclosure obligations via ongoing website updates and filings. Operational risk: Integration of HarborOne merger workforce of 2,450 employees, including 2,247 full-time, critical for talent and cultural continuity. (AI summary of the Risk Factors section.)
What did EBC report in its latest 8-K?
Eastern Bankshares, Inc. (EBC) filed an 8-K on July 23, 2026 reporting Item 2.02 (Results of Operations and Financial Condition), Item 7.01 (Regulation FD Disclosure) and Item 8.01 (Other Events). Q2 2026 earnings announcement for quarter ended June 30, 2026.
What are the latest EBC SEC filings?
Eastern Bankshares, Inc. (EBC) filed its latest 10-K annual report on March 2, 2026, a 10-Q quarterly report on August 7, 2026, an 8-K current report on July 23, 2026 and a Form 4 insider filing on September 15, 2026.
What is EBC's SEC CIK number?
Eastern Bankshares, Inc. (EBC)'s SEC Central Index Key (CIK) is 1810546. EDGAR lists every EBC filing under that number.
Ask anything about EBC
The research agent reads EBC's filings, financials, insider trades and 13F holders, then answers with sources.