EBCEastern Bankshares, Inc.
Savings Institution, Federally Chartered
- Revenue
- $134M
- 19% YoY
- Operating margin
- —
- EBITDA
- —
- Market cap
- $5.1B
- Employees
- 2,450
- $55K revenue each
- Net debt / EBITDA
- —
- $142M net debt
- AI in 10-K
- 1.6
- mentions per 10K words
Takeover score 1 of 13
Fixable underperformance 1 of 7
- TSR below peersNo—3+ of last 5 years
- High CEO pay despite TSRNo—Median CEO pay ≥ $15M while TSR trails
- Earnings not backed by cashNo490% of net incomeCash flow under 80% of net income
- Dilutive SBCYes13% of revenueOver 10% of revenue
- Payouts exceed cash flowNo49% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyNo4% of assetsOver 40% of assets
- Shareholder dissentNo95% lowest supportAny vote under 80% support
Buyer economics 0 of 4
- Low revenue per employeeNo$55K · 44th pctBottom quartile of its SIC industry
- Quiet on AINo1.6 per 10K words · 48th pctBottom quartile of AI mentions in 10-Ks
- Net cashNo—More cash than debt, positive EBITDA
- Buyout-sizedNo$5.1B market capMarket cap $500M–$5B
Catalysts 0 of 2
- Active 13DNo0 filingsActive-intent 13D in 18 months
- Net insider sellingNo−$9M netNet sales over $10M in 12 months
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $69M | $77M | $77M | $113M | $134M | 19% |
| Net income | $155M | $200M | $232M | $120M | $88M | 26% |
| Operating cash flow | $174M | $230M | $262M | $284M | $432M | 52% |
| Stock-based comp | $0 | $11M | $16M | $19M | $17M | 12% |
| Buybacks | $23M | $202M | $0 | $28M | $107M | 285% |
| Dividends | $52M | $66M | $67M | $83M | $106M | 28% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $188K · 2
- Open-market sells, 12 mo
- $9M · 17
- Net
- −$9M
Pay vs performance
No pay-versus-performance disclosure yet.