Short answer
Eastern Bankshares, Inc. (EBC) filed its fiscal 2025 10-K annual report with the SEC on Mar 2, 2026. It reported revenue of $134M (+19.1% year over year) and net income of $88M.
- Top risk flagged: Regulatory risk: Compliance with SEC reporting and Regulation Fair Disclosure obligations via ongoing website updates and filings
FY2025 key financial metrics · XBRL
- Revenue
- $134M
- +19.1% YoY
- Net income
- $88M
- −26.2% YoY
- EPS (diluted)
- $0.43
- −34.8% YoY
- ROE
- 2.0%
- −1.3 pp YoY
- Operating cash flow
- $432M
- +52.3% YoY
Source: XBRL data from the Eastern Bankshares, Inc. (EBC) FY2025 10-K on SEC EDGAR. USD.
Eastern Bankshares, Inc. FY2025 10-K analysis
AI summary of each section, grounded in the filing text
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
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
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
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