vs
Side-by-side financial comparison of Eastern Bankshares, Inc. (EBC) and ONESPAWORLD HOLDINGS Ltd (OSW). Click either name above to swap in a different company.
Eastern Bankshares, Inc. is the larger business by last-quarter revenue ($295.9M vs $242.1M, roughly 1.2× ONESPAWORLD HOLDINGS Ltd). Eastern Bankshares, Inc. runs the higher net margin — 22.1% vs 5.0%, a 17.1% gap on every dollar of revenue. On growth, Eastern Bankshares, Inc. posted the faster year-over-year revenue change (710.6% vs 11.5%). Over the past eight quarters, Eastern Bankshares, Inc.'s revenue compounded faster (38.6% CAGR vs 7.1%).
Eastern Bank is a bank based in Boston, Massachusetts. Before de-mutualizing in 2020, it was the oldest and largest mutual bank in the United States and the largest community bank in Massachusetts.
EBC vs OSW — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $295.9M | $242.1M |
| Net Profit | $65.3M | $12.1M |
| Gross Margin | — | — |
| Operating Margin | — | 6.8% |
| Net Margin | 22.1% | 5.0% |
| Revenue YoY | 710.6% | 11.5% |
| Net Profit YoY | -34.4% | -16.2% |
| EPS (diluted) | $0.29 | $0.12 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | $295.9M | — | ||
| Q4 25 | $37.5M | $242.1M | ||
| Q3 25 | $241.5M | $258.5M | ||
| Q2 25 | $244.9M | $240.7M | ||
| Q1 25 | $31.1M | $219.6M | ||
| Q4 24 | $216.5M | $217.2M | ||
| Q3 24 | $203.4M | $241.7M | ||
| Q2 24 | $154.0M | $224.9M |
| Q1 26 | $65.3M | — | ||
| Q4 25 | $99.5M | $12.1M | ||
| Q3 25 | $106.1M | $24.3M | ||
| Q2 25 | $100.2M | $19.9M | ||
| Q1 25 | $-217.7M | $15.3M | ||
| Q4 24 | $60.8M | $14.4M | ||
| Q3 24 | $-6.2M | $21.6M | ||
| Q2 24 | $26.3M | $15.8M |
| Q1 26 | — | — | ||
| Q4 25 | — | 6.8% | ||
| Q3 25 | 38.9% | 10.2% | ||
| Q2 25 | 41.0% | 9.2% | ||
| Q1 25 | -590.9% | 7.7% | ||
| Q4 24 | 33.3% | 7.9% | ||
| Q3 24 | -1.6% | 10.3% | ||
| Q2 24 | 24.7% | 8.4% |
| Q1 26 | 22.1% | — | ||
| Q4 25 | 265.6% | 5.0% | ||
| Q3 25 | 44.0% | 9.4% | ||
| Q2 25 | 40.9% | 8.3% | ||
| Q1 25 | -699.2% | 7.0% | ||
| Q4 24 | 28.1% | 6.6% | ||
| Q3 24 | -3.0% | 8.9% | ||
| Q2 24 | 17.1% | 7.0% |
| Q1 26 | $0.29 | — | ||
| Q4 25 | $0.48 | $0.12 | ||
| Q3 25 | $0.53 | $0.23 | ||
| Q2 25 | $0.50 | $0.19 | ||
| Q1 25 | $-1.08 | $0.15 | ||
| Q4 24 | $0.29 | $0.13 | ||
| Q3 24 | $-0.03 | $0.20 | ||
| Q2 24 | $0.16 | $0.15 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $551.7M | $16.3M |
| Total DebtLower is stronger | — | $84.0M |
| Stockholders' EquityBook value | $4.3B | $542.6M |
| Total Assets | $30.6B | $707.1M |
| Debt / EquityLower = less leverage | — | 0.15× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $551.7M | — | ||
| Q4 25 | $507.6M | $16.3M | ||
| Q3 25 | $703.4M | $29.6M | ||
| Q2 25 | $948.3M | $35.0M | ||
| Q1 25 | $609.0M | $22.6M | ||
| Q4 24 | $1.9B | $57.4M | ||
| Q3 24 | $1.7B | $48.8M | ||
| Q2 24 | $1.4B | $62.5M |
| Q1 26 | — | — | ||
| Q4 25 | — | $84.0M | ||
| Q3 25 | — | $85.2M | ||
| Q2 25 | — | $96.2M | ||
| Q1 25 | — | $97.4M | ||
| Q4 24 | — | $98.6M | ||
| Q3 24 | — | $98.7M | ||
| Q2 24 | — | $123.8M |
| Q1 26 | $4.3B | — | ||
| Q4 25 | $4.3B | $542.6M | ||
| Q3 25 | $3.8B | $552.8M | ||
| Q2 25 | $3.7B | $548.3M | ||
| Q1 25 | $3.6B | $530.6M | ||
| Q4 24 | $3.6B | $554.5M | ||
| Q3 24 | $3.7B | $540.1M | ||
| Q2 24 | $3.0B | $532.7M |
| Q1 26 | $30.6B | — | ||
| Q4 25 | $30.6B | $707.1M | ||
| Q3 25 | $25.5B | $732.6M | ||
| Q2 25 | $25.5B | $731.8M | ||
| Q1 25 | $25.0B | $708.7M | ||
| Q4 24 | $25.6B | $746.4M | ||
| Q3 24 | $25.5B | $734.0M | ||
| Q2 24 | $21.0B | $756.8M |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.15× | ||
| Q3 25 | — | 0.15× | ||
| Q2 25 | — | 0.18× | ||
| Q1 25 | — | 0.18× | ||
| Q4 24 | — | 0.18× | ||
| Q3 24 | — | 0.18× | ||
| Q2 24 | — | 0.23× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | — | $20.0M |
| Free Cash FlowOCF − Capex | — | $14.9M |
| FCF MarginFCF / Revenue | — | 6.2% |
| Capex IntensityCapex / Revenue | — | 2.1% |
| Cash ConversionOCF / Net Profit | — | 1.65× |
| TTM Free Cash FlowTrailing 4 quarters | — | $68.4M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $432.4M | $20.0M | ||
| Q3 25 | $157.1M | $33.2M | ||
| Q2 25 | $123.9M | $20.3M | ||
| Q1 25 | $47.3M | $10.1M | ||
| Q4 24 | $283.8M | $16.6M | ||
| Q3 24 | $108.3M | $28.6M | ||
| Q2 24 | $54.3M | $18.7M |
| Q1 26 | — | — | ||
| Q4 25 | — | $14.9M | ||
| Q3 25 | — | $27.6M | ||
| Q2 25 | — | $17.6M | ||
| Q1 25 | — | $8.4M | ||
| Q4 24 | — | $13.2M | ||
| Q3 24 | — | $27.5M | ||
| Q2 24 | — | $17.6M |
| Q1 26 | — | — | ||
| Q4 25 | — | 6.2% | ||
| Q3 25 | — | 10.7% | ||
| Q2 25 | — | 7.3% | ||
| Q1 25 | — | 3.8% | ||
| Q4 24 | — | 6.1% | ||
| Q3 24 | — | 11.4% | ||
| Q2 24 | — | 7.8% |
| Q1 26 | — | — | ||
| Q4 25 | — | 2.1% | ||
| Q3 25 | — | 2.2% | ||
| Q2 25 | — | 1.1% | ||
| Q1 25 | — | 0.8% | ||
| Q4 24 | — | 1.5% | ||
| Q3 24 | — | 0.5% | ||
| Q2 24 | — | 0.5% |
| Q1 26 | — | — | ||
| Q4 25 | 4.35× | 1.65× | ||
| Q3 25 | 1.48× | 1.36× | ||
| Q2 25 | 1.24× | 1.02× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | 4.67× | 1.15× | ||
| Q3 24 | — | 1.33× | ||
| Q2 24 | 2.06× | 1.19× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
EBC
Segment breakdown not available.
OSW
| Services | $197.3M | 82% |
| Products | $44.8M | 18% |
