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AI brief of an SEC Form 8-K · Eastern Bankshares (EBC)

Eastern Bankshares Q4 net income $99.5 million, down 6.2%; operating income up 27.8%

Mixed Impact 3 of 5 earnings Written later

Eastern Bankshares reported fourth quarter 2025 results on January 22, 2026. GAAP net income fell to $99.5 million, or $0.46 per diluted share, from $106.1 million, or $0.53, in the third quarter, while operating net income rose to $94.7 million, or $0.44 per diluted share, from $74.1 million. The quarter includes a partial-quarter impact from the November 1, 2025 HarborOne merger, and the board declared a $0.13 quarterly dividend payable March 20, 2026.

Key points

  • GAAP net income of $99.5 million, or $0.46 per diluted share, versus $106.1 million, or $0.53, in the third quarter of 2025
  • Operating net income of $94.7 million, or $0.44 per diluted share, up 27.8% from $74.1 million
  • Non-operating noninterest expense of $33.4 million, including $26.7 million in higher merger-related costs
  • Quarterly cash dividend of $0.13 per share, payable March 20, 2026, to shareholders of record as of March 6, 2026

The filing

CompanyEastern Bankshares (EBC)
Form8-K, current report
Filed with the SECJan 22, 2026, 4:28 PM ET
Accession number0001628280-26-003101

Items reported: 2.02 Results of Operations7.01 Regulation FD Disclosure

Read the filing on SEC.gov ↗

Written by AI on Nov 8, 2026, 1:05 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on January 22, 2026.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.