Eastern Bankshares, Inc. (EBC) reported $241.5 million in revenue for the quarter ended September 2025, representing a year-over-year increase of 18.7%. EPS of $0.37 for the same period compares to $0.25 a year ago.
The reported revenue represents a surprise of -0.99% over the Zacks Consensus Estimate of $243.9 million. With the consensus EPS estimate being $0.40, the EPS surprise was -7.5%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
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): 58.2% versus 55.3% estimated by three analysts on average.
- Net Interest Margin: 3.5% versus 3.6% estimated by three analysts on average.
- Average Balance - Total interest-earning assets: $23.49 billion versus the two-analyst average estimate of $23.68 billion.
- Net Interest Income: $200.2 million compared to the $206.79 million average estimate based on three analysts.
- Total Noninterest Income: $41.3 million compared to the $37.11 million average estimate based on three analysts.
- Losses on sales of mortgage loans held for sale, net: $0.1 million versus the two-analyst average estimate of $0.1 million.
- Service charges on deposit accounts: $8.6 million versus the two-analyst average estimate of $8.15 million.
- Investment advisory fees: $17.6 million versus $17.48 million estimated by two analysts on average.
- Other: $1.5 million versus $3.75 million estimated by two analysts on average.
- Interest rate swap income: $0.9 million versus $0.76 million estimated by two analysts on average.
- Card Income: $4.2 million versus the two-analyst average estimate of $4.34 million.
View all Key Company Metrics for Eastern Bankshares here>>>
Shares of Eastern Bankshares have returned +2.6% over the past month versus the Zacks S&P 500 composite's +0.2% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform 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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