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Compared to Estimates, Eastern Bankshares (EBC) Q4 Earnings: A Look at Key Metrics
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Eastern Bankshares, Inc. (EBC - Free Report) reported $283.5 million in revenue for the quarter ended December 2025, representing a year-over-year increase of 25.6%. EPS of $0.44 for the same period compares to $0.34 a year ago.
The reported revenue represents a surprise of +0.39% over the Zacks Consensus Estimate of $282.41 million. With the consensus EPS estimate being $0.41, the EPS surprise was +7.32%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Eastern Bankshares performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Efficiency ratio (GAAP): 66.8% compared to the 59.2% average estimate based on three analysts.
Net Interest Margin: 3.6% versus the three-analyst average estimate of 3.5%.
Average Balance - Total interest-earning assets: $26.74 billion versus the two-analyst average estimate of $27.39 billion.
Net Interest Income: $237.4 million compared to the $235.79 million average estimate based on three analysts.
Total Noninterest Income: $46.1 million compared to the $45.92 million average estimate based on three analysts.
Service charges on deposit accounts: $9.9 million compared to the $12.99 million average estimate based on two analysts.
Other: $-0.7 million versus the two-analyst average estimate of $5.03 million.
Interest rate swap income: $1.4 million versus $0.92 million estimated by two analysts on average.
Card Income: $5.9 million compared to the $4.82 million average estimate based on two analysts.
Investment advisory fees: $18.6 million versus $18.02 million estimated by two analysts on average.
Shares of Eastern Bankshares have returned +8% over the past month versus the Zacks S&P 500 composite's +0.7% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Compared to Estimates, Eastern Bankshares (EBC) Q4 Earnings: A Look at Key Metrics
Eastern Bankshares, Inc. (EBC - Free Report) reported $283.5 million in revenue for the quarter ended December 2025, representing a year-over-year increase of 25.6%. EPS of $0.44 for the same period compares to $0.34 a year ago.
The reported revenue represents a surprise of +0.39% over the Zacks Consensus Estimate of $282.41 million. With the consensus EPS estimate being $0.41, the EPS surprise was +7.32%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Eastern Bankshares performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:View all Key Company Metrics for Eastern Bankshares here>>>
Shares of Eastern Bankshares have returned +8% over the past month versus the Zacks S&P 500 composite's +0.7% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.