)
Edge28 Nov 2025
Keeping the Streak Alive: The Story of Duolingo
How Duolingo made language learning addictive, scaled to millions of users, and built a powerful subscription business around everyday practice.
Eastern Bankshares (EBC) investor relations material
Eastern Bankshares Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary24 Oct, 2025
Executive summary
Celebrated five years as a public company, growing assets by 95% and deposits by 241% since IPO, now a $25.5 billion organization with the largest independent deposit market share in Greater Boston and Massachusetts.
Q3 2025 net income was $106.1 million ($0.53 per diluted share), reversing a prior year loss; operating net income was $74.1 million ($0.37 per diluted share), up 44% year-over-year.
Wealth management assets under management reached a record $9.2 billion, with the bank ranked #1 in MA by AUM.
Announced and authorized a 5% share repurchase program (up to 11.9 million shares) and declared a $0.13 per share dividend.
Completed the HarborOne Bancorp merger on November 1, 2025, issuing 26.9 million shares and paying $74.6 million in cash; integration and purchase accounting are ongoing.
Financial highlights
Net interest income for Q3 2025 was $200.2 million, up 17.9% year-over-year, with a net interest margin of 3.47%.
Operating earnings were $74.1 million, up 44% year-over-year; return on average assets was 1.66% (1.16% operating), and return on average tangible common equity was 16.4% (11.7% operating).
Efficiency ratio improved to 58.2% (GAAP) and 52.8% (operating).
Book value per share increased to $17.99; tangible book value per share rose to $13.14, up 5% sequentially and 10% year-to-date.
Noninterest income for Q3 2025 was $41.3 million, up 23% year-over-year; noninterest expense was $140.4 million, including $3.2 million in merger-related costs.
Outlook and guidance
Management expects meaningful earnings accretion from the HarborOne merger, continued focus on organic growth, and prudent risk management amid evolving interest rate and economic conditions.
Margin expected to remain roughly flat in Q4, with deposit costs staying elevated due to competition; original margin expansion guidance for the combined institution remains valid.
Medium-term CET1 capital target set at approximately 12%.
No near-term plans for additional M&A; focus remains on integration and organic growth.
Explain the NPL and NCO increase this quarter
How will deposit competition impact future NIM?
Capital allocation post-merger, including buyback
Office loan portfolio risk management?
Future M&A strategy?
Upside to growth and profitability?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Eastern Bankshares earnings date
Q4 202523 Jan, 2026
Next Eastern Bankshares earnings date
Q4 202523 Jan, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Eastern Bankshares Inc. is a bank holding company that operates through its subsidiary, Eastern Bank, providing banking and financial services to individuals, businesses, and nonprofit organizations. The company offers a range of products, including checking and savings accounts, commercial and consumer loans, mortgage lending, wealth management, and insurance services. Eastern Bank serves customers primarily in the Northeastern United States through a network of branches and digital banking platforms. The company is headquartered in Boston, Massachusetts, and its shares are listed on the NASDAQ.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage