Compared to Estimates, Eastern Bankshares (EBC) Q3 Earnings: A Look at Key Metrics

Core Insights - Eastern Bankshares, Inc. (EBC) reported revenue of $241.5 million for Q3 2025, an 18.7% year-over-year increase, with EPS of $0.37 compared to $0.25 a year ago [1] - The revenue fell short of the Zacks Consensus Estimate by 0.99%, while the EPS was 7.5% below the consensus estimate [1] Financial Performance Metrics - Efficiency ratio was reported at 58.2%, higher than the estimated 55.3% [4] - Net Interest Margin was 3.5%, slightly below the estimated 3.6% [4] - Average balance of total interest-earning assets was $23.49 billion, compared to the estimated $23.68 billion [4] - Net Interest Income was $200.2 million, below the average estimate of $206.79 million [4] - Total Noninterest Income was $41.3 million, exceeding the average estimate of $37.11 million [4] - Losses on sales of mortgage loans held for sale were $0.1 million, matching the average estimate [4] - Service charges on deposit accounts were $8.6 million, above the average estimate of $8.15 million [4] - Investment advisory fees were $17.6 million, slightly above the estimated $17.48 million [4] - Other income was $1.5 million, significantly below the average estimate of $3.75 million [4] - Interest rate swap income was $0.9 million, above the estimated $0.76 million [4] - Card Income was $4.2 million, slightly below the average estimate of $4.34 million [4] Stock Performance - Shares of Eastern Bankshares have returned +2.6% over the past month, outperforming the Zacks S&P 500 composite's +0.2% change [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating potential for outperformance in the near term [3]