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Eastern Bankshares (NasdaqGS:EBC) Q3 2025 Earnings Call October 24, 2025 09:00 AM ET Speaker7Welcome to the Eastern Bankshares, Inc. Third Quarter 2025 Earnings Conference Call. Currently, all participant lines are in a listen-only mode. Following the prepared remarks, there will be a question and answer session. Please note this event is being recorded for replay purposes. In connection with today's call, the company posted a presentation on its investor relations website, investor.easternbank.com, which w ...

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业绩总结 - 第三季度净收入为1.061亿美元，每股摊薄收益为0.53美元[14] - 第三季度运营净收入为7410万美元，每股运营摊薄收益为0.37美元，同比上升44%[14] - 净利息收入为2.002亿美元，较第二季度的2.020亿美元略有下降[16] - 非利息收入为4130万美元，运营基础上为3970万美元[17] - 贷款总额环比增长1.3%，年初至今增长4.1%[14] - 财富管理资产管理规模达到92亿美元，创历史新高[14] - 每股有形账面价值为13.14美元，较上季度增长5%[14] - 存款总额为211.24亿美元，存款成本为1.55%[30] - 资产回报率(ROA)为1.66%，运营基础上为1.16%[16] - 运营效率比率为52.8%[25] 贷款与资产质量 - 不良贷款（NPLs）总额为690万美元，占总贷款的0.37%[75] - 贷款损失准备金为2.33亿美元，占总贷款的1.26%，为不良贷款的337%[79] - 商业不良贷款为5100万美元，住宅不良贷款为1100万美元，消费不良贷款为700万美元[82] - 商业批评和分类贷款为3.16亿美元，占总商业贷款的4.3%[89] - CRE不良贷款为4400万美元，占总CRE贷款的0.6%，较上季度的2500万美元（0.4%）增加[89] - CRE贷款的加权平均贷款价值比率（LTV）在发放时为低至中50%[89] 成本与支出 - 非利息支出较上季度增加350万美元，达到1404万美元，同比减少19.4%[48] - 工资和员工福利支出增加330万美元，达到8400万美元，同比增长3.4%[47] 风险与展望 - 公司面临的风险包括贷款逾期和坏账的变化，以及贷款损失准备金的估计调整[110] - 竞争压力增加，可能影响客户行为和资金来源的成本[110] - 经济条件的变化可能对公司的业务产生不利影响，包括通货膨胀或衰退压力[110] - 公司的风险缓解策略的成功实施能力受到考验[110] - 资产和信用质量可能恶化，尤其是在地方或区域房地产市场的负面发展[110] - 运营风险包括网络安全事件、自然灾害和流行病的影响[110] 股东回报 - 宣布每股现金分红0.13美元，将于2025年12月15日支付[73]

MANAUS, Brazil, Oct. 23, 2025 (GLOBE NEWSWIRE) -- EBC Financial Group today launched its “Protect the Amazon with Every Trade” programme, the first by an online brokerage to create environmental impact via client trading activity in Latin America. The effort underscores the growing convergence of financial markets and environmental stewardship, as traders and investors increasingly weigh climate risk and ESG (environmental, social, governance) metrics in their decision-making. For each eligible trade in Lat ...

核心财务表现 - 季度营收达到2.415亿美元，同比增长18.7% [1] - 季度每股收益为0.37美元，相比去年同期的0.25美元有所增长 [1] - 营收较Zacks共识预期2.439亿美元低0.99% [1] - 每股收益较Zacks共识预期0.40美元低7.5% [1] 运营效率与盈利能力指标 - 效率比率（GAAP）为58.2%，高于三位分析师平均预估的55.3% [4] - 净息差为3.5%，略低于三位分析师平均预估的3.6% [4] - 净利息收入为2.002亿美元，低于三位分析师平均预估的2.0679亿美元 [4] - 总非利息收入为4130万美元，高于三位分析师平均预估的3711万美元 [4] 生息资产与收入构成 - 平均生息资产总额为234.9亿美元，略低于两位分析师平均预估的236.8亿美元 [4] - 投资顾问费收入为1760万美元，略高于两位分析师平均预估的1748万美元 [4] - 存款账户服务费收入为860万美元，高于两位分析师平均预估的815万美元 [4] - 信用卡收入为420万美元，略低于两位分析师平均预估的434万美元 [4] 其他收入项目 - 利率互换收入为90万美元，高于两位分析师平均预估的76万美元 [4] - 出售持有待售抵押贷款净损失为10万美元，与两位分析师平均预估一致 [4] - 其他收入为150万美元，低于两位分析师平均预估的375万美元 [4] 股价表现与市场比较 - 公司股价在过去一个月内上涨2.6%，同期Zacks S&P 500指数上涨0.2% [3] - 公司股票目前Zacks评级为2级（买入），预示其可能在短期内跑赢大市 [3]

Eastern Bankshares, Inc. (EBC) came out with quarterly earnings of $0.37 per share, missing the Zacks Consensus Estimate of $0.4 per share. This compares to earnings of $0.25 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of -7.50%. A quarter ago, it was expected that this company would post earnings of $0.38 per share when it actually produced earnings of $0.41, delivering a surprise of +7.89%.Over the last four quarters, the c ...

Eastern Bankshares (NASDAQ:EBC) rose 3% after a report that activist investor HoldCo Asset Management has taken a stake and is pushing for the company to pursue a sale. HoldCo, which has built a 3% stake in Eastern Bankshares (NASDAQ: ...

公司动态 - 激进投资者HoldCo资产管理公司已建立Eastern Bankshares的较大仓位 [1] - HoldCo资产管理公司希望这家位于波士顿的知名金融机构寻求出售 [1] - 该建议旨在让公司出售自身而非收购其他银行 [1]

BOSTON & BROCKTON, Mass.--(BUSINESS WIRE)--Eastern Bankshares, Inc. ("Eastern†) (NASDAQ Global Select Market: EBC), the holding company for Eastern Bank, and HarborOne Bancorp, Inc. ("HarborOne†) (NASDAQ Global Select Market: HONE), the holding company for HarborOne Bank, today jointly announced that: the deadline for holders of HarborOne common stock to elect their preferred form of merger consideration by completing the election materials previously sent to such holders is 5:00 p.m. (Eastern. ...