EBC Stock Analysis: Eastern Bankshares | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 4.883m USD | 12M Return: 21.1% | US27627N1054 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 46.1M
EPS Trend: 72.6%
Qual. Beats: 0
Rev. Trend: 85.9%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 5.9 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Eastern Bankshares, Inc. is a Massachusetts-based bank holding company that operates Eastern Bank, providing banking, trust, and investment services to retail, commercial, and small business customers in the United States. Founded in 1818 and headquartered in Boston, the company is one of the oldest and largest community-oriented banks in the region, having gone public in October 2020. Its core activities span deposit products (checking, money market, savings, and CDs) and a broad lending portfolio that includes commercial and industrial loans, commercial real estate, construction, small business loans, residential mortgages, home equity lines, and various consumer lending products such as personal loans, auto loans, and airplane financing.
Beyond traditional banking, Eastern Bankshares complements its franchise with wealth management, trust, and financial planning services, as well as treasury management offerings like automated lockbox collection, cash management, and account reconciliation-services that help deepen commercial client relationships. As a regional bank operating in the U.S. Financials sector, the company competes by combining community-bank relationships with the product breadth of a larger institution, a hybrid model common among established New England-based lenders.
- Net interest margin compression pressures earnings as deposit costs rise
- Commercial real estate loan losses remain key credit risk focus
- Wealth management fees grow on AUM appreciation and client additions
| Net Income: 376.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.13 > 1.0 |
| NWC/Revenue: -1.47k% < 20% (prev -2.13k%; Δ 656.0% < -1%) |
| CFO/TA 0.01 > 3% & CFO 406.3m > Net Income 376.1m |
| Net Debt (-4.59b) to EBITDA (468.0m): -9.80 < 3 |
| Current Ratio: 0.20 > 1.5 & < 3 |
| Outstanding Shares: last quarter (219.2m) vs 12m ago 10.15% < -2% |
| Gross Margin: 72.60% > 18% (prev 57.25%; Δ 15.34% > 0.5%) |
| Asset Turnover: 5.06% > 50% (prev 3.77%; Δ 1.29% > 0%) |
| Interest Coverage Ratio: 1.07 > 6 (EBIT TTM 401.8m / Interest Expense TTM 374.4m) |
| A: -0.68 (Total Current Assets 5.24b - Total Current Liabilities 26.3b) / Total Assets 31.1b |
| B: 0.07 (Retained Earnings 2.18b / Total Assets 31.1b) |
| C: 0.01 (EBIT TTM 401.8m / Avg Total Assets 28.3b) |
| D: 0.16 (Book Value of Equity 4.28b / Total Liabilities 26.9b) |
| Altman-Z'' = -3.95 = D |
As of September 27, 2026, the stock is trading at USD 21.42 with a total of 2,004,398 shares traded. Over the past week, the price has changed by -0.83%, over one month by -3.54%, over three months by -1.29% and over the past year by +21.05%.
Current recommended Stop Loss: 20.80 (which is 2.9% or 1.4 ATR below the current price).
Eastern Bankshares has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy EBC.
- StrongBuy: 1
- Buy: 2
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 25.1 | 17.3% |
P/E Trailing = 11.9385
P/E Forward = 9.8039
P/S = 4.4466
P/B = 1.146
Revenue TTM = 1.43b USD
EBIT TTM = 401.8m USD
EBITDA TTM = 468.0m USD
Long Term Debt = 364.4m USD (from longTermDebt, last quarter)
Short Term Debt = 398.6m USD (from shortTermDebt, last quarter)
Debt = 398.6m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -4.59b USD (calculated: Debt 398.6m - CCE 4.99b)
Enterprise Value = 294.4m USD (4.88b + Debt 398.6m - CCE 4.99b)
Interest Coverage Ratio = 1.07 (Ebit TTM 401.8m / Interest Expense TTM 374.4m)
EV/FCF = 0.75x (Enterprise Value 294.4m / FCF TTM 393.3m)
FCF Yield = 133.6% (FCF TTM 393.3m / Enterprise Value 294.4m)
FCF Margin = 27.48% (FCF TTM 393.3m / Revenue TTM 1.43b)
Net Margin = 26.28% (Net Income TTM 376.1m / Revenue TTM 1.43b)
Gross Margin = 72.60% ((Revenue TTM 1.43b - Cost of Revenue TTM 392.2m) / Revenue TTM)
Gross Margin QoQ = 71.99% (prev 73.20%)
Tobins Q-Ratio = 0.01 (Enterprise Value 294.4m / Total Assets 31.1b)
Interest Expense / Debt = 93.93% (Interest Expense 374.4m / Debt 398.6m)
Taxrate = 6.38% (25.6m / 401.8m)
NOPAT = 376.1m (EBIT 401.8m * (1 - 6.38%))
Current Ratio = 0.20 (Total Current Assets 5.24b / Total Current Liabilities 26.3b)
Debt / Equity = 0.09 (Debt 398.6m / totalStockholderEquity, last quarter 4.28b)
Debt / EBITDA = -9.80 (Net Debt -4.59b / EBITDA 468.0m)
Debt / FCF = -11.67 (Net Debt -4.59b / FCF TTM 393.3m)
Total Stockholder Equity = 4.18b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.33% (Net Income 376.1m / Total Assets 31.1b)
RoE = 9.00% (Net Income TTM 376.1m / Total Stockholder Equity 4.18b)
RoCE = 8.84% (EBIT 401.8m / Capital Employed (Equity 4.18b + L.T.Debt 364.4m))
RoIC = 7.30% (NOPAT 376.1m / Invested Capital 5.15b)
WACC = 7.85% (E(4.88b)/V(5.28b) * Re(8.49%) + (debt cost/tax rate unavailable))
Discount Rate = 8.49% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 88.96 | Cagr: 14.01%
[DCF] Terminal Value 76.76% ; FCFF base≈377.9m ; Y1≈413.5m ; Y5≈520.0m
[DCF] Fair Price = 54.87 (EV 7.95b - Net Debt -4.59b = Equity 12.5b / Shares 228.5m; r=8.35% [WACC [floored]]; 5y FCF grow 10.85% → 2.50% )
EPS Correlation: 72.56 | EPS CAGR: 22.55% | SUE: 0.72 | # QB: 0
Revenue Correlation: 85.89 | Revenue CAGR: 32.42% | SUE: 0.29 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.49 | Chg30d=+0.00% | Revisions=-22% | Analysts=8
EPS current Year (2026-12-31): EPS=1.87 | Chg30d=+0.00% | Revisions=-10% | GrowthEPS=+20.0% | GrowthRev=+21.1%
EPS next Year (2027-12-31): EPS=2.13 | Chg30d=+0.00% | Revisions=-30% | GrowthEPS=+13.9% | GrowthRev=+4.7%
[Analyst] Revisions Ratio: -26% (up=7, down=13)