Eastern Bankshares, Inc. (EBC) reported $244.9 million in revenue for the quarter ended June 2025, representing a year-over-year increase of 59%. EPS of $0.41 for the same period compares to $0.22 a year ago.
The reported revenue represents a surprise of +2.71% over the Zacks Consensus Estimate of $238.43 million. With the consensus EPS estimate being $0.38, the EPS surprise was +7.89%.
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.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
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): 55.9% versus 56.4% estimated by four analysts on average.
- Net Interest Margin: 3.6% versus 3.5% estimated by four analysts on average.
- Average Balance - Total interest-earning assets: $23.14 billion versus the three-analyst average estimate of $23.39 billion.
- Total non-performing assets: $54.7 million versus $131.91 million estimated by two analysts on average.
- Total non-performing loans: $54.7 million compared to the $131.91 million average estimate based on two analysts.
- Total Noninterest Income: $42.9 million versus $34.58 million estimated by four analysts on average.
- Net Interest Income: $202 million compared to the $200.91 million average estimate based on four analysts.
- Interest rate swap income: $1 million compared to the $0.51 million average estimate based on three analysts.
- Card Income: $4.2 million versus $4 million estimated by three analysts on average.
- Investment advisory fees: $17.3 million versus the three-analyst average estimate of $16.51 million.
- Other: $0.6 million versus $5.68 million estimated by three analysts on average.
- Service charges on deposit accounts: $8.2 million versus $8.32 million estimated by three analysts on average.
View all Key Company Metrics for Eastern Bankshares here>>>
Shares of Eastern Bankshares have returned +9.2% over the past month versus the Zacks S&P 500 composite's +5.7% 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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Eastern Bankshares, Inc. (EBC): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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