Eastern Bankshares, Inc.

EBCNASDAQFinancial Services● Active

$20.46

+$0.61(+3.07%)

Market Cap$4.7B

P/E Ratio—

52W High$22.575

52W Low$14.1

Avg Volume2.0M

Open$20.34

Beta0.70

Overview

Eastern Bankshares, Inc. (EBC) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

EBC · free cash flow · updated Jun 9, 2026

Core FCF metrics

EBC · FCF · TTM · margin & CAGR

Free cash flow was $413.0M for FY2025 (fiscal year ending 2025-12-31), up 52.8% year-over-year The FCF margin was 39.1%. Five-year CAGR stands at +44.9%.

FY2025 Free Cash Flow$413.0M▲ +52.8% YoY

Trailing 12M (TTM)$354.9Mtrailing 4 quarters sum

FCF Margin39.1%$413.0M ÷ revenue

3-Year CAGR+23.1%FY2022 → FY2025

5-Year CAGR+44.9%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 9, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

EBC · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$432.4M(19M)$413.0M▲ +52.8%39.1%

FY2024$284.2M(14M)$270.3M▲ +6.6%25.3%

FY2023$261.7M(8M)$253.6M▲ +14.6%45.4%

FY2022$229.9M(9M)$221.3M▲ +31.1%32.5%

FY2021$174.5M(6M)$168.8M▲ +160.8%32.2%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

EBC · P/FCF · FCF yield · FCF per share

Eastern Bankshares, Inc. (EBC) trades at a FCF yield of 7.51% and a price-to-free-cash-flow ratio of 12.4x. FCF per share stands at $1.65, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

7.51%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$1.65

TTM FCF ÷ Shares Outstanding

Price / FCF

x12.4

Share Price ÷ FCF per Share

EV / FCF (TTM)

x14.3

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

EBC · cash flow statement · operating / investing / financing

For FY2025, Eastern Bankshares, Inc. generated $432.4M in operating cash flow and spent 19M in capital expenditures, yielding $413.0M in free cash flow.

Operating Activities

+$432.4M

Cash from core business operations

2025-12-31

Investing Activities

−$364.0M

CapEx, acquisitions & investments

2025-12-31

Financing Activities

−$758.4M

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($432.4M) − |CapEx| (19M) = FCF ($413.0M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

EBC vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

Eastern Bankshares, Inc.YOU

EBC

$413.0M+52.8%39.1%

Berkshire Hathaway Inc.

BRK-A

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

Eastern Bankshares, Inc. (EBC) reported free cash flow of $413.0M for FY2025 (fiscal year ending 2025-12-31), up 52.8% year-over-year. The FCF margin was 39.1%.

Based on available data, Eastern Bankshares, Inc. has maintained positive free cash flow for at least 8 fiscal year(s). FCF peaked at $413.0M in FY2025. The 5-year CAGR stands at +44.9%.

Eastern Bankshares, Inc.'s FCF yield is 7.51% and price-to-FCF ratio is 12.4x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

EBC free cash flow · 8 questions

Eastern Bankshares, Inc. free cash flow was $413.0M for FY2025, up 52.8% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $354.9M.

EBC free cash flowEBC FCFEBC FCF 2025EBC free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · Eastern Bankshares, Inc. · Eastern Bankshares, Inc. SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 9, 2026