Eastern Bankshares, Inc. Financial Ratios — EB0 Stock

Profitability (USD)

	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

Return on Common Equity (%)	- -	8.91	0.9	4.53	6.8	8.53	3.63	2.22
Return on Assets (%)	- -	1.17	0.16	0.78	0.87	1.06	0.51	0.31
Return on Capital (%)	- -	8.39	0.89	4.49	6.02	- -	3.6	2.16
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	27.81	29.64	6.29	33.97	36.95	-40.3	21.49	13.79
Profit Margin (%)	21.65	22.94	3.99	29.85	30.98	74.26	16.49	12.22
Net Income to Common Margin (%)	21.65	22.94	3.99	29.85	30.98	74.26	16.49	12.22
Effective Tax Rate (%)	22.13	22.61	36.66	17.31	21.71	- -	23.24	11.34
Dvd Payout Ratio (%)	- -	- -	- -	35.43	35.33	-106.35	69.04	119.83
Sustainable Growth Rate (%)	- -	8.91	0.9	2.92	4.4	17.59	1.12	-0.44

Credit (USD)

Credit Ratios 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 Debt	152	34	28	34	726	40	18	200
ST Debt	137	19	- -	- -	691	- -	3	47
LT Debt	15	15	28	34	35	40	15	153
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	12.6	13.76	21.47	14.49	10.91	14.08	14.13	14.19
Long-Term Debt/Equity (%)	1.04	0.96	0.82	1.01	1.42	1.33	0.42	3.53
Long-Term Debt/Capital (%)	0.94	0.94	0.81	1	1.1	1.31	0.42	3.37
Long-Term Debt/Total Assets (%)	0.13	0.13	0.18	0.15	0.15	0.19	0.06	0.5
Total Debt/Equity (%)	10.62	2.14	0.82	1.01	29.39	1.34	0.49	4.6
Total Debt/Capital (%)	9.6	2.1	0.81	1	22.71	1.32	0.48	4.4
Total Debt/Total Assets (%)	1.34	0.3	0.18	0.15	3.21	0.19	0.07	0.65
Net Debt to Equity	-7.5	-20.52	-59.1	-35.16	22.53	-21.96	-27.39	-2.7
Net Debt/Capital (%)	-8.11	-25.81	-144.51	-54.21	18.39	-28.14	-37.72	-2.78
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios 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

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	12.6	13.76	21.47	14.49	10.91	14.08	14.13	14.19
Long-Term Debt/Equity (%)	1.04	0.96	0.82	1.01	1.42	1.33	0.42	3.53
Long-Term Debt/Capital (%)	0.94	0.94	0.81	1	1.1	1.31	0.42	3.37
Long-Term Debt/Total Assets (%)	0.13	0.13	0.18	0.15	0.15	0.19	0.06	0.5
Total Debt/Equity (%)	10.62	2.14	0.82	1.01	29.39	1.34	0.49	4.6
Total Debt/Capital (%)	9.6	2.1	0.81	1	22.71	1.32	0.48	4.4
Total Debt/Total Assets (%)	1.34	0.3	0.18	0.15	3.21	0.19	0.07	0.65
CFO/Total Liabilities	2.06	1.96	0.56	0.87	1.14	1.44	1.29	1.65
CFO/CapEx	22.69	27.3	13.58	30.46	26.65	32.15	20.96	22.25
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

No data availableFinancial data will appear here once available

Enterprise Value (USD)

Enterprise Value 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

Market Capitalization	- -	- -	3,056	3,757	3,018	2,318	3,392	4,068
- Cash & Cash Equivalents	260	363	2,054	1,232	170	693	1,007	317
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	152	34	28	34	726	40	18	200
Enterprise Value	- -	- -	-2,154	-5,952	-3,116	-2,743	2,347	3,882
Total Capital	1,585	1,634	3,456	3,441	3,198	3,015	3,630	4,540
Total Debt/Capital (%)	9.6	2.1	0.81	1	22.71	1.32	0.48	4.4
Total Debt / EV	- -	- -	-0.01	-0.01	-0.23	-0.01	0.01	0.05
EV/Sales	- -	- -	- -	- -	- -	- -	3.24	5.38
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	8.27	8.98
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	8.68	9.4
Diluted Market Cap	- -	- -	2,811	3,474	2,838	2,331	3,072	3,721
Diluted Enterprise Value	- -	- -	-2,398	-6,235	-3,296	-2,730	2,028	3,535
EV per Share	- -	- -	- -	- -	- -	- -	11.67	17.38
TTM Sales	567	589	570	518	645	313	725	722
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	205	196	70	174	230	- -	284	432
TTM Free Cash Flow to Firm	196	189	65	169	221	- -	270	413

Multiples (USD)

Valuation Multiples 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

Price/Free Cash Flow	- -	- -	43.45	20.58	12.82	9.19	11.37	9.01
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	-2,154	-5,952	-3,116	-2,743	2,347	3,882
Low Price	- -	- -	11.63	15.5	16.56	10.35	12.03	13.32
EV/Sales	- -	- -	- -	- -	- -	- -	3.24	5.38
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	123.64	22.45	14.2	10.03	25.55	41.95
Price/Earnings Average	- -	- -	106.08	21.46	16.26	9.19	22.44	37.96
Price/Earnings High	- -	- -	124.94	25.23	18.53	12.38	28.49	44.68
Price/Earnings Low	- -	- -	87.85	17.26	13.72	7.23	18.22	30.67
Price/Book Value	- -	- -	0.89	1.1	1.22	0.78	0.94	0.94
Price/Book Value Average	- -	- -	0.76	1.05	1.4	0.71	0.82	0.85
Price/Book Value High	- -	- -	0.9	1.24	1.59	0.96	1.05	1
Price/Book Value Low	- -	- -	0.63	0.85	1.18	0.56	0.67	0.69
Price/Tangible Book Value	- -	- -	1	1.36	1.59	0.96	1.32	1.34
Price/Tangible Book Value Average	- -	- -	0.86	1.3	1.82	0.88	1.16	1.21
Price/Tangible Book Value High	- -	- -	1.01	1.53	2.07	1.19	1.48	1.43
Price/Tangible Book Value Low	- -	- -	0.71	1.05	1.53	0.69	0.94	0.98
Price/Sales	- -	- -	4.93	6.7	4.4	7.45	4.21	5.13
Price/Sales Average	- -	- -	4.23	6.41	5.04	6.82	3.7	4.64
Price/Sales High	- -	- -	4.98	7.53	5.74	9.19	4.7	5.46
Price/Sales Low	- -	- -	3.5	5.15	4.25	5.37	3.01	3.75
Price/Cash Flow	- -	- -	40.25	19.9	12.33	8.9	10.76	8.56
Price/Cash Flow Average	- -	- -	34.53	19.02	14.13	8.15	9.45	7.74
Price/Cash Flow High	- -	- -	40.67	22.37	16.1	10.99	12	9.12
Price/Cash Flow Low	- -	- -	28.6	15.3	11.92	6.42	7.68	6.26
Price/Free Cash Flow Average	- -	- -	37.28	19.68	14.69	8.42	9.98	8.15
Price/Free Cash Flow High	- -	- -	43.9	23.13	16.74	11.35	12.68	9.6
Price/Free Cash Flow Low	- -	- -	30.87	15.82	12.4	6.63	8.11	6.59
EV/Sales Average	- -	- -	- -	- -	- -	- -	2.67	4.84
EV/Sales High	- -	- -	- -	- -	- -	- -	3.78	5.75
EV/Sales Low	- -	- -	- -	- -	- -	- -	1.9	3.86
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	16.36	20.17	17.13	14.35	16.86	18.21
High Price	- -	- -	16.53	22.66	22.36	17.71	18.81	19.4
Enterprise Value Average	- -	- -	-2,588	-6,117	-2,676	-2,938	1,935	3,495
Enterprise Value High	- -	- -	-2,122	-5,486	-2,194	-2,200	2,737	4,147
Enterprise Value Low	- -	- -	-3,039	-6,821	-3,216	-3,390	1,375	2,789

Per Share Data Items (USD)

Per-Share Data 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

Shares Outstanding	202	202	187	186	176	162	201	223
Diluted Weighted Avg Shares	210	210	172	172	166	162	182	204
Basic Weighted Avg Shares	210	210	172	172	166	162	181	203
Revenue per Share	2.7	2.8	3.32	3.01	3.9	1.93	4	3.55
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -
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 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
Dividend per Share	- -	- -	- -	0.3	0.4	0.41	0.46	0.52
Cash Flow per Share	0.98	0.93	0.41	1.01	1.39	1.61	1.57	2.13
Free Cash Flow per Basic Share	0.93	0.9	0.38	0.98	1.34	1.56	1.49	2.03
Cash & Equivalents per Share	8.51	9.28	28.05	52.3	38.94	31.58	5.28	1.72
Book Value per Share	7.11	7.93	18.36	18.28	14.03	18.42	17.96	19.43
Tangible Book Value per Share	5.22	6.06	16.34	14.8	10.81	14.91	12.74	13.61