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Dec 31, 2025
Eastern Bank Q4 2025 Earnings Report
Eastern Bankshares, Inc. reported strong organic growth and return of capital to shareholders in Q4 2025.
Key Takeaways
Eastern Bankshares, Inc. announced strong fourth quarter 2025 financial results, with net income of $99.5 million and diluted EPS of $0.46. The company experienced significant loan growth, reaching a record high in wealth assets, and actively returned capital to shareholders through share repurchases.
Net income for Q4 2025 was $99.5 million, or $0.46 per diluted share, including a GAAP tax benefit and non-operating merger-related costs.
Operating net income for Q4 2025 was $94.7 million, or $0.44 per diluted share, reflecting a 27.8% increase linked quarter.
Period-end loans increased by $4.7 billion linked quarter, driven by the HarborOne acquisition and $255 million in legacy Eastern loan growth.
Wealth assets reached a record high of $10.1 billion, with $9.6 billion in assets under management, and the company repurchased 3.1 million shares for $55.4 million.
Revenue by Segment
Forward Guidance
Eastern Bankshares, Inc. is well-positioned for 2026 and beyond, focusing on organic growth, returning capital to shareholders, and enhancing earnings power to deliver top quartile financial returns.
Positive Outlook
- Well-positioned for 2026 and beyond.
- Committed to executing on meaningful opportunities for organic growth in banking and fee-based businesses.
- Focused on returning capital to shareholders.
- Aims to demonstrate enhanced earnings power to deliver top quartile financial returns.
- On track to achieve merger-related financial targets set forth at the time of the announcement.
Challenges Ahead
- Adverse developments in loan delinquencies and charge-offs.
- Increased competitive pressures.
- Changes in interest rates and resulting changes in competitor or customer behavior.
- Risks associated with the full realization of revenue or expense synergies from the HarborOne merger.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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