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Extra Everything: The Story of Chipotle
Chipotle's story from a single restaurant to a nationwide chain, through crisis and turnaround, built on one of the strongest models in the industry.
Eastern Bankshares
Eastern Bankshares (EBC) investor relations material
Eastern Bankshares Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 earnings summary24 Apr, 2026
Executive summary
Operating income rose 31% year-over-year to $88.6 million, with net income at $65.3 million ($0.29 per diluted share), and operating EPS at $0.40; operating ROATCE reached 12.8%.
Wealth management assets under management reached a record $10.3 billion, with positive net flows and $9.8 billion in AUM.
Completed HarborOne merger core system conversion, with cost savings on track and one-time charges nearly complete.
Announced a 15% dividend increase and repurchased 3.9 million shares for $75.1 million, marking six consecutive years of dividend growth.
Loan and deposit balances declined modestly from year-end, reflecting seasonal trends and merger impacts, but commercial loan pipelines ended at record highs.
Financial highlights
Net interest income was $244.7 million ($250.8 million FTE), up 3% sequentially and 29.5% year-over-year; net interest margin (FTE) expanded to 3.63%.
Noninterest income was $43.6 million, down $2.5 million sequentially, mainly due to weaker equity markets and lower swap income.
Noninterest expense was $198.6 million, up $9.2 million sequentially and 52.7% year-over-year, driven by merger-related costs and higher payroll.
Provision for loan losses was $5.8 million, down from $6.6 million year-over-year.
Book value per share ended at $18.45; tangible book value per share at $12.90.
Outlook and guidance
No changes to full-year guidance; expect to achieve projections but may trend toward the lower end of NII guidance ($1.02B–$1.05B) due to softer Q1 loan growth and deposit pricing pressure.
Commercial lending pipelines at record highs support confidence in strong originations; residential portfolio to remain flat.
Expense run rate expected to moderate over the remainder of 2026.
Provision guidance remains unchanged ($30M–$40M), with a cautious approach due to early stage of HarborOne integration and macro uncertainty.
CET1 ratio targeted at ~12% by mid-2026 as share repurchases continue.
Post-conversion HarborOne cost savings outlook
Margin impact of targeted deposit share defense
Timing for record commercial pipeline conversion
Explain factors driving NII toward lower guidance
Detail the record $800M commercial pipeline mix
Describe office nonperforming loan resolution
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Latest events from Eastern Bankshares
- Annual meeting covers director elections, executive pay, and auditor ratification, with strong governance focus.EBC
Proxy filing26 Mar 2026 - Vote on directors, executive pay, and auditor ratification at the May 2026 virtual meeting.EBCProxy filing26 Mar 2026
- Q2 net income was $26.3M as assets topped $25B after the Cambridge merger.EBCQ2 20242 Feb 2026
- Operating earnings up 62% in 2025; HarborOne merger boosted assets and capital return.EBCQ4 20251 Feb 2026
- Merger drove strong loan and fee growth, but Q3 loss resulted from one-time charges.EBCQ3 202418 Jan 2026
- Q4 net income was $60.8M; portfolio shift and merger to drive 2025 EPS growth.EBCQ4 20249 Jan 2026
- Q1 net loss from securities repositioning; HarborOne merger to drive 16% EPS accretion.EBCQ1 2025 & Merger21 Dec 2025
- Annual meeting to vote on directors, executive pay, and auditor amid strong growth and governance.EBCProxy Filing1 Dec 2025
- Vote on director elections, executive pay, and auditor ratification at the May 2025 meeting.EBCProxy Filing1 Dec 2025
Next Eastern Bankshares earnings date
Q2 202624 Jul, 2026
Eastern Bankshares
Next Eastern Bankshares earnings date
Q2 202624 Jul, 2026
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