A

Eastern Bankshares, Inc. — Earnings Quality Grade A

EBC · Financial Services

Strong financial health

Revenue
$722M
2025
Net Income
$88M
2025
Gross Margin
Free Cash Flow
$413M
01

Screening Summary

9
Passed
1
Watch
0
Failed
M-Score

管理层信号

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Watch2025-11-04
Joseph F. Casey · Director离任
2 board departures
SEC
Watch2025-11-03
Joseph F. Casey · Director离任
2 board departures
SEC

数据来源:SEC EDGAR 8-K Item 5.02,附 Exhibit 99.1 链接

02

Financial Trends

Revenue & Net Income ($B)

Margins (%)

03

18-Point Screening

01

Revenue Quality

A1DSO Change

Insufficient data

A2AR vs Revenue Growth

Insufficient data

A3Revenue vs CFFO

Revenue -0.4%, CFFO 52.3%. Cash follows revenue

02

Expense Quality

B1Inventory vs COGS

No material inventory

!
B2CapEx vs Revenue

CapEx growth 43.5% is >2x revenue growth -0.4%

B3SG&A Ratio

Insufficient data

B4Gross Margin

Insufficient data

03

Cash Flow Quality

C1CFFO vs Net Income

CFFO/NI = 4.90. Profits backed by cash

C2Free Cash Flow

FCF $0.4B, FCF/NI = 4.68

C3Accruals Ratio

Accruals ratio = -1.1%. Low accruals

C4Cash vs Debt

Cash $0.3B covers debt $0.2B

04

Balance Sheet Health

D1Goodwill + Intangibles

Goodwill+Intangibles $1.3B = 30% of equity. Manageable

D2Leverage

Insufficient data

D3Soft Asset Growth

Insufficient data

D4Asset Impairment

No write-off data

05

Acquisition Risk

E1Serial Acquirer FCF

FCF after acquisitions positive

E2Goodwill Surge

Goodwill+Intangibles change 24% YoY. Normal

06

Manipulation Score

F1Beneish M-Score

Insufficient data

Altman Z-Score — Not Applicable

Eastern Bankshares, Inc. is a financial company. Z-Score is designed for non-financial companies.

Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25