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Side-by-side financial comparison of Eastern Bankshares, Inc. (EBC) and Savers Value Village, Inc. (SVV). Click either name above to swap in a different company.
Savers Value Village, Inc. is the larger business by last-quarter revenue ($426.9M vs $295.9M, roughly 1.4× Eastern Bankshares, Inc.). Eastern Bankshares, Inc. runs the higher net margin — 22.1% vs -3.3%, a 25.3% gap on every dollar of revenue. On growth, Savers Value Village, Inc. posted the faster year-over-year revenue change (8.1% vs 1.7%). Over the past eight quarters, Eastern Bankshares, Inc.'s revenue compounded faster (38.6% CAGR vs 4.3%).
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.
Value Village Stores, Inc. was a Midwestern United States chain of retail stores aimed at the discount department-store market. Henry Horney, formerly of F.W. Woolworth Company founded a small, regional chain of discount stores located in the two states of Wisconsin and Illinois that opened in 1961 and operated into 1989. Horney also had a real estate company and often built small shopping malls adjoining the discount stores. The chain had no relation to the Savers Value Village chain of thri...
EBC vs SVV — Head-to-Head
Income Statement — Q1 FY2026 vs Q3 FY2025
| Metric | | |
|---|---|---|
| Revenue | $295.9M | $426.9M |
| Net Profit | $65.3M | $-14.0M |
| Gross Margin | — | — |
| Operating Margin | — | 8.5% |
| Net Margin | 22.1% | -3.3% |
| Revenue YoY | 1.7% | 8.1% |
| Net Profit YoY | 289.8% | -164.6% |
| EPS (diluted) | $0.29 | $-0.09 |
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 | — | ||
| Q3 25 | $241.5M | $426.9M | ||
| Q2 25 | $244.9M | $417.2M | ||
| Q1 25 | $31.1M | $370.1M | ||
| Q4 24 | $216.5M | $402.0M | ||
| Q3 24 | $203.4M | $394.8M | ||
| Q2 24 | $154.0M | $386.7M |
| Q1 26 | $65.3M | — | ||
| Q4 25 | $99.5M | — | ||
| Q3 25 | $106.1M | $-14.0M | ||
| Q2 25 | $100.2M | $18.9M | ||
| Q1 25 | $-217.7M | $-4.7M | ||
| Q4 24 | $60.8M | $-1.9M | ||
| Q3 24 | $-6.2M | $21.7M | ||
| Q2 24 | $26.3M | $9.7M |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 25.6% | ||
| Q2 24 | — | 26.6% |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 38.9% | 8.5% | ||
| Q2 25 | 41.0% | 8.2% | ||
| Q1 25 | -590.9% | 2.8% | ||
| Q4 24 | 33.3% | 8.2% | ||
| Q3 24 | -1.6% | 12.3% | ||
| Q2 24 | 24.7% | 8.3% |
| Q1 26 | 22.1% | — | ||
| Q4 25 | 265.6% | — | ||
| Q3 25 | 44.0% | -3.3% | ||
| Q2 25 | 40.9% | 4.5% | ||
| Q1 25 | -699.2% | -1.3% | ||
| Q4 24 | 28.1% | -0.5% | ||
| Q3 24 | -3.0% | 5.5% | ||
| Q2 24 | 17.1% | 2.5% |
| Q1 26 | $0.29 | — | ||
| Q4 25 | $0.48 | — | ||
| Q3 25 | $0.53 | $-0.09 | ||
| Q2 25 | $0.50 | $0.12 | ||
| Q1 25 | $-1.08 | $-0.03 | ||
| Q4 24 | $0.29 | $-0.02 | ||
| Q3 24 | $-0.03 | $0.13 | ||
| Q2 24 | $0.16 | $0.06 |
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 | $63.5M |
| Total DebtLower is stronger | — | $750.0M |
| Stockholders' EquityBook value | $4.3B | $414.6M |
| Total Assets | $30.6B | $2.0B |
| Debt / EquityLower = less leverage | — | 1.81× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $551.7M | — | ||
| Q4 25 | $507.6M | — | ||
| Q3 25 | $703.4M | $63.5M | ||
| Q2 25 | $948.3M | $70.5M | ||
| Q1 25 | $609.0M | $73.0M | ||
| Q4 24 | $1.9B | $150.0M | ||
| Q3 24 | $1.7B | $137.7M | ||
| Q2 24 | $1.4B | $160.7M |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $750.0M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | $4.3B | — | ||
| Q4 25 | $4.3B | — | ||
| Q3 25 | $3.8B | $414.6M | ||
| Q2 25 | $3.7B | $423.5M | ||
| Q1 25 | $3.6B | $413.8M | ||
| Q4 24 | $3.6B | $421.7M | ||
| Q3 24 | $3.7B | $432.9M | ||
| Q2 24 | $3.0B | $419.5M |
| Q1 26 | $30.6B | — | ||
| Q4 25 | $30.6B | — | ||
| Q3 25 | $25.5B | $2.0B | ||
| Q2 25 | $25.5B | $1.9B | ||
| Q1 25 | $25.0B | $1.9B | ||
| Q4 24 | $25.6B | $1.9B | ||
| Q3 24 | $25.5B | $1.9B | ||
| Q2 24 | $21.0B | $1.9B |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 1.81× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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 | — | $21.6M |
| Free Cash FlowOCF − Capex | — | $-6.3M |
| FCF MarginFCF / Revenue | — | -1.5% |
| Capex IntensityCapex / Revenue | — | 6.5% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $25.5M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $432.4M | — | ||
| Q3 25 | $157.1M | $21.6M | ||
| Q2 25 | $123.9M | $54.4M | ||
| Q1 25 | $47.3M | $419.0K | ||
| Q4 24 | $283.8M | $55.8M | ||
| Q3 24 | $108.3M | $23.9M | ||
| Q2 24 | $54.3M | $60.4M |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $-6.3M | ||
| Q2 25 | — | $21.9M | ||
| Q1 25 | — | $-20.2M | ||
| Q4 24 | — | $30.1M | ||
| Q3 24 | — | $-3.0M | ||
| Q2 24 | — | $29.6M |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | -1.5% | ||
| Q2 25 | — | 5.2% | ||
| Q1 25 | — | -5.4% | ||
| Q4 24 | — | 7.5% | ||
| Q3 24 | — | -0.8% | ||
| Q2 24 | — | 7.6% |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 6.5% | ||
| Q2 25 | — | 7.8% | ||
| Q1 25 | — | 5.6% | ||
| Q4 24 | — | 6.4% | ||
| Q3 24 | — | 6.8% | ||
| Q2 24 | — | 8.0% |
| Q1 26 | — | — | ||
| Q4 25 | 4.35× | — | ||
| Q3 25 | 1.48× | — | ||
| Q2 25 | 1.24× | 2.88× | ||
| Q1 25 | — | — | ||
| Q4 24 | 4.67× | — | ||
| Q3 24 | — | 1.10× | ||
| Q2 24 | 2.06× | 6.22× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
EBC
| ALLL / total nonperforming loans ("NPLs") | $238.2M | 80% |
| Other | $51.6M | 17% |
| Return on average shareholders' equity | $6.1M | 2% |
SVV
| Sales Channel Directly To Consumer | $408.3M | 96% |
| Sales Channel Through Intermediary | $18.6M | 4% |
