Eastern Bankshares, Inc.

EBC

EBCEastern Bankshares, Inc. US flag

NASDAQ

22.54

USD

-0.40

- -

5.21BMarket Cap

Income Statement (USD)

API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Sales/Revenue/Turnover	567	589	570	518	645	313	725	722
+ Sales & Services Revenue	567	589	570	518	645	313	725	722
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	255	264	274	240	249	282	309	360
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-255	-264	-274	-240	-249	-282	-309	-360
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-158	-175	-36	-176	-238	126	-156	-100
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-158	-175	-36	-176	-238	126	-156	-100
Pretax Income	158	175	36	176	238	-126	156	100
- Income Tax Expense (Benefit)	35	39	13	30	52	-63	36	11
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	123	135	23	146	187	-63	120	88
- Net Extraordinary Losses (Gains)	- -	- -	- -	-9	-13	-295	- -	- -
+ Discontinued Operations	- -	- -	- -	9	13	295	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	-18	-26	-590	- -	- -
Income (Loss) Incl. MI	123	135	23	155	200	232	120	88
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	123	135	23	155	200	232	120	88
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	123	135	23	155	200	232	120	88
EBIT	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	20	19	28	23	23	24	38	64
EBITDA Margin (%)	3.54	3.31	4.89	4.42	3.63	7.56	5.28	8.8
EBITA	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	21.65	22.94	3.99	29.85	30.98	74.26	16.49	12.22
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	0.3	0.4	0.41	0.46	0.52
Depreciation Expense	20	19	28	23	23	24	38	64
Basic Weighted Avg Shares	210	210	172	172	166	162	181	203
Basic EPS, GAAP	0.58	0.64	0.13	0.9	1.21	1.43	0.66	0.43
Basic EPS from Cont Ops	0.58	0.64	0.13	0.85	1.13	-0.39	0.66	0.43
Diluted Weighted Avg Shares	210	210	172	172	166	162	182	204
Diluted EPS, GAAP	0.58	0.64	0.13	0.9	1.21	1.43	0.66	0.43
Diluted EPS from Cont Ops	0.58	0.64	0.13	0.84	1.13	-0.39	0.66	0.43

Balance Sheet (USD)

API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	1,716	1,871	5,238	9,743	6,860	5,101	1,062	385
+ Cash & Cash Equivalents	260	363	2,054	1,232	170	693	1,007	317
+ ST Investments	1,456	1,508	3,184	8,511	6,691	4,408	56	68
+ Accounts & Notes Receiv	- -	- -	- -	- -	- -	- -	- -	- -
+ Accounts Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-1,716	-1,871	-5,238	-9,743	-6,860	-5,101	-1,062	-385
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	66	57	49	66	62	60	65	118
+ Property, Plant & Equip	163	158	156	174	155	156	152	226
- Accumulated Depreciation	96	101	107	109	92	96	88	108
+ LT Investments & Receivables	1,509	1,509	3,184	8,511	7,167	4,857	4,442	4,425
+ LT Investments	1,509	1,509	3,184	8,511	7,167	4,857	4,442	4,425
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-1,575	-1,566	-3,233	-8,577	-7,230	-4,917	-4,507	-4,543
+ Total Intangible Assets	381	378	377	650	568	566	1,050	1,301
+ Goodwill	369	369	369	631	558	558	915	1,117
+ Other Intangible Assets	12	9	7	18	10	9	135	184
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-1,957	-1,943	-3,609	-9,227	-7,798	-5,484	-5,557	-5,844
Total Assets	11,378	11,629	15,964	23,512	22,647	21,133	25,558	30,587
+ Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	- -
+ Accounts Payable	- -	- -	- -	- -	- -	- -	- -	- -
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Debt	137	19	- -	- -	691	- -	3	47
+ ST Borrowings	137	19	- -	- -	691	- -	3	47
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	-137	-19	- -	- -	-691	- -	-3	-47
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	-137	-19	- -	- -	-691	- -	-3	-47
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	15	15	28	34	35	40	15	153
+ LT Borrowings	15	15	28	34	35	40	15	153
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	-15	-15	-28	-34	-35	-40	-15	-153
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-15	-15	-28	-34	-35	-40	-15	-153
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	9,945	10,029	12,536	20,106	20,175	18,158	21,946	26,246
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	- -	- -	1,856	1,837	1,651	1,668	2,240	2,623
+ Common Stock	- -	- -	2	2	2	2	2	2
+ Additional Paid in Capital	- -	- -	1,854	1,835	1,649	1,666	2,237	2,621
- Treasury Stock	- -	- -	- -	- -	- -	- -	- -	- -
+ Retained Earnings	1,509	1,644	1,666	1,769	1,882	2,048	2,085	2,067
+ Other Equity	-76	-44	54	-57	-923	-608	-584	-227
Equity Before Minority Interest	1,433	1,600	3,428	3,406	2,472	2,975	3,612	4,341
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	1,433	1,600	3,428	3,406	2,472	2,975	3,612	4,341
Total Liabilities & Equity	11,378	11,629	15,964	23,512	22,647	21,133	25,558	30,587
Shares Outstanding	202	202	187	186	176	162	201	223
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt	-108	-328	-2,026	-1,198	557	-653	-989	-117
Net Debt to Equity	-7.5	-20.52	-59.1	-35.16	22.53	-21.96	-27.39	-2.7
Tangible Common Equity Ratio	9.57	10.86	19.58	12.06	8.62	11.71	10.45	10.38
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

+ Net Income	123	135	23	146	187	232	120	88
+ Depreciation & Amortization	20	19	28	23	23	24	38	64
+ Non-Cash Items	17	12	84	-47	50	76	133	248
+ Stock-Based Compensation	- -	- -	2	9	20	23	27	25
+ Deferred Income Taxes	-5	1	-20	-6	5	-18	36	-14
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	22	11	102	-50	24	71	70	236
+ Chg in Non-Cash Work Cap	45	30	-65	47	-46	54	-7	33
+ (Inc) Dec in Accts Receiv	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	11	-11	-24	1	4	4	- -	-5
+ Inc (Dec) in Accts Payable	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Other	34	41	-41	46	-51	50	-7	38
+ Net Cash From Disc Ops	- -	- -	- -	5	17	-124	- -	- -
Cash from Operating Activities	205	196	70	174	230	262	284	432
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-9	-7	-5	-6	-9	-8	-14	-19
+ Acq of Fixed Prod Assets	-9	-7	-5	-6	-9	-8	-14	-19
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	- -	1,764	-23	-202	- -	-28	-107
+ Increase in Capital Stock	- -	- -	1,793	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	- -	-29	-23	-202	- -	-28	-107
+ Net Change in LT Investment	3	-5	-1,667	-2,374	243	2,313	1,214	435
+ Dec in LT Investment	174	252	461	963	1,498	2,351	1,483	2,129
+ Inc in LT Investment	-171	-257	-2,129	-3,338	-1,255	-38	-269	-1,693
+ Net Cash From Acq & Div	-11	- -	-1	-9	-13	- -	25	-1
+ Cash from Divestitures	1	- -	- -	- -	- -	- -	25	- -
+ Cash for Acq of Subs	-12	- -	-1	-9	-13	- -	- -	-1
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-630	-133	-717	403	-1,298	95	-166	-779
+ Net Cash From Disc Ops	- -	- -	- -	-4	-13	489	- -	- -
Cash from Investing Activities	-647	-145	-2,390	-1,986	-1,077	2,400	1,059	-364
+ Dividends Paid	- -	- -	- -	-52	-66	-67	-83	-106
+ Net Cash From Debt	-192	-99	-207	-34	707	-693	- -	- -
+ Cash From Debt	- -	- -	- -	3	707	- -	- -	- -
+ Repayments of Debt	-192	-99	-207	-36	- -	-693	- -	- -
+ Other Financing Activities	583	151	2,455	1,097	-655	-1,379	-919	-546
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	391	52	4,012	989	-216	-2,138	-1,029	-758
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	-51	103	1,691	-822	-1,062	524	314	-690
EBITDA	20	19	28	23	23	24	38	64
EBITDA Margin (%)	3.54	3.31	4.89	4.42	3.63	7.56	5.28	8.8
Free Cash Flow	196	189	65	169	221	254	270	413
Net Cash Paid for Acquisitions	11	- -	1	9	13	- -	-25	1
Free Cash Flow to Firm	196	189	65	169	221	- -	270	413
Free Cash Flow to Equity	- -	90	-143	135	928	-439	270	413
Free Cash Flow per Basic Share	0.93	0.9	0.38	0.98	1.34	1.56	1.49	2.03
Price/Free Cash Flow	- -	- -	37.37	19.28	11.98	8.55	10.57	8.33
Cash Flow to Net Income	1.67	1.45	3.07	1.13	1.15	1.13	2.37	4.9
Capital Expenditures	-9	-7	-5	-6	-9	-8	-14	-19