(EBC) Eastern Bankshares - Overview
Exchange: NASDAQ •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US27627N1054
Stock: Banking, Deposits, Loans, Wealth Services
Total Rating 49
Risk 90
Buy Signal 0.24
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.00% |
| Yield on Cost 5y | 4.45% |
| Yield CAGR 5y | 14.19% |
| Payout Consistency | 100.0% |
| Payout Ratio | 30.9% |
| Risk 5d forecast | |
|---|---|
| Volatility | 33.3% |
| Relative Tail Risk | -12.5% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.54 |
| Alpha | 3.86 |
| Character TTM | |
|---|---|
| Beta | 0.951 |
| Beta Downside | 1.135 |
| Drawdowns 3y | |
|---|---|
| Max DD | 34.46% |
| CAGR/Max DD | 0.43 |
Description: EBC Eastern Bankshares January 10, 2026
Eastern Bankshares, Inc. (NASDAQ:EBC) is the holding company for Eastern Bank, a full-service community bank headquartered in Boston that serves retail, commercial, and small-business customers with deposit, loan, and wealth-management products.
The firm’s loan portfolio is diversified across commercial and industrial (including asset-based lending and commercial real-estate construction), small-business, residential mortgage, and a range of consumer loans such as unsecured lines, auto, and home-improvement financing.
Key recent metrics (Q2 2024) show a net interest margin of 3.12%, deposit growth of 5.4% year-over-year, and loan growth of 3.8%, reflecting the bank’s ability to capture higher-yielding assets in a still-elevated interest-rate environment.
Sector-wide, regional banks like EBC are sensitive to the Federal Reserve’s policy trajectory; a slower pace of rate cuts could sustain net interest margin pressure, while a modest easing may boost loan demand in the commercial-real-estate segment.
For a deeper quantitative view of EBC’s valuation metrics, the ValueRay platform offers a concise dashboard worth exploring.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 88.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.37 > 1.0 |
| NWC/Revenue: -1969 % < 20% (prev -1498 %; Δ -471.5% < -1%) |
| CFO/TA 0.01 > 3% & CFO 417.1m > Net Income 88.2m |
| Net Debt (-126.1m) to EBITDA (157.1m): -0.80 < 3 |
| Current Ratio: 0.02 > 1.5 & < 3 |
| Outstanding Shares: last quarter (216.4m) vs 12m ago 6.79% < -2% |
| Gross Margin: 66.20% > 18% (prev 0.62%; Δ 6558 % > 0.5%) |
| Asset Turnover: 3.76% > 50% (prev 4.19%; Δ -0.43% > 0%) |
| Interest Coverage Ratio: 0.31 > 6 (EBITDA TTM 157.1m / Interest Expense TTM 335.7m) |
Altman Z'' -4.15
| A: -0.68 (Total Current Assets 316.9m - Total Current Liabilities 21.12b) / Total Assets 30.59b |
| B: 0.07 (Retained Earnings 2.07b / Total Assets 30.59b) |
| C: 0.00 (EBIT TTM 104.4m / Avg Total Assets 28.07b) |
| D: 0.07 (Book Value of Equity 1.72b / Total Liabilities 26.25b) |
| Altman-Z'' Score: -4.15 = D |
What is the price of EBC shares?
As of February 07, 2026, the stock is trading at USD 21.89 with a total of 2,040,779 shares traded.
Over the past week, the price has changed by +6.86%, over one month by +12.78%, over three months by +25.97% and over the past year by +17.82%.
Over the past week, the price has changed by +6.86%, over one month by +12.78%, over three months by +25.97% and over the past year by +17.82%.
Is EBC a buy, sell or hold?
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
What are the forecasts/targets for the EBC price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 23.4 | 7% |
| Analysts Target Price | 23.4 | 7% |
| ValueRay Target Price | 24.6 | 12.3% |
EBC Fundamental Data Overview February 02, 2026
P/E Trailing = 47.6395
P/E Forward = 10.9769
P/S = 6.6142
P/B = 1.0332
Revenue TTM = 1.06b USD
EBIT TTM = 104.4m USD
EBITDA TTM = 157.1m USD
Long Term Debt = 25.9m USD (from longTermDebt, two quarters ago)
Short Term Debt = 3.79m USD (from shortTermDebt, two quarters ago)
Debt = 25.9m USD (from shortLongTermDebtTotal, two quarters ago)
Net Debt = -126.1m USD (from netDebt column, last quarter)
Enterprise Value = 4.32b USD (4.61b + Debt 25.9m - CCE 316.9m)
Interest Coverage Ratio = 0.31 (Ebit TTM 104.4m / Interest Expense TTM 335.7m)
EV/FCF = 10.89x (Enterprise Value 4.32b / FCF TTM 396.6m)
FCF Yield = 9.19% (FCF TTM 396.6m / Enterprise Value 4.32b)
FCF Margin = 37.55% (FCF TTM 396.6m / Revenue TTM 1.06b)
Net Margin = 8.35% (Net Income TTM 88.2m / Revenue TTM 1.06b)
Gross Margin = 66.20% ((Revenue TTM 1.06b - Cost of Revenue TTM 357.0m) / Revenue TTM)
Gross Margin QoQ = 74.16% (prev 72.16%)
Tobins Q-Ratio = 0.14 (Enterprise Value 4.32b / Total Assets 30.59b)
Interest Expense / Debt = 381.7% (Interest Expense 98.8m / Debt 25.9m)
Taxrate = 11.39% (11.3m / 99.5m)
NOPAT = 92.6m (EBIT 104.4m * (1 - 11.39%))
Current Ratio = 0.02 (Total Current Assets 316.9m / Total Current Liabilities 21.12b)
Debt / Equity = 0.01 (Debt 25.9m / totalStockholderEquity, last quarter 4.34b)
Debt / EBITDA = -0.80 (Net Debt -126.1m / EBITDA 157.1m)
Debt / FCF = -0.32 (Net Debt -126.1m / FCF TTM 396.6m)
Total Stockholder Equity = 3.85b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.31% (Net Income 88.2m / Total Assets 30.59b)
RoE = 2.29% (Net Income TTM 88.2m / Total Stockholder Equity 3.85b)
RoCE = 2.69% (EBIT 104.4m / Capital Employed (Equity 3.85b + L.T.Debt 25.9m))
RoIC = 2.49% (NOPAT 92.6m / Invested Capital 3.72b)
WACC = 9.37% (E(4.61b)/V(4.63b) * Re(9.42%) + (debt cost/tax rate unavailable))
Discount Rate = 9.42% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 15.32%
[DCF Debug] Terminal Value 75.15% ; FCFF base≈332.3m ; Y1≈373.9m ; Y5≈501.3m
Fair Price DCF = 31.44 (EV 6.78b - Net Debt -126.1m = Equity 6.91b / Shares 219.7m; r=9.37% [WACC]; 5y FCF grow 14.56% → 2.90% )
EPS Correlation: 20.13 | EPS CAGR: 8.86% | SUE: 0.44 | # QB: 0
Revenue Correlation: 22.09 | Revenue CAGR: 22.98% | SUE: 0.34 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.45 | Chg30d=+0.018 | Revisions Net=+2 | Analysts=6
EPS current Year (2026-12-31): EPS=1.96 | Chg30d=+0.055 | Revisions Net=+2 | Growth EPS=+25.6% | Growth Revenue=+23.5%
EPS next Year (2027-12-31): EPS=2.22 | Chg30d=+0.099 | Revisions Net=+1 | Growth EPS=+13.3% | Growth Revenue=+4.5%
P/E Forward = 10.9769
P/S = 6.6142
P/B = 1.0332
Revenue TTM = 1.06b USD
EBIT TTM = 104.4m USD
EBITDA TTM = 157.1m USD
Long Term Debt = 25.9m USD (from longTermDebt, two quarters ago)
Short Term Debt = 3.79m USD (from shortTermDebt, two quarters ago)
Debt = 25.9m USD (from shortLongTermDebtTotal, two quarters ago)
Net Debt = -126.1m USD (from netDebt column, last quarter)
Enterprise Value = 4.32b USD (4.61b + Debt 25.9m - CCE 316.9m)
Interest Coverage Ratio = 0.31 (Ebit TTM 104.4m / Interest Expense TTM 335.7m)
EV/FCF = 10.89x (Enterprise Value 4.32b / FCF TTM 396.6m)
FCF Yield = 9.19% (FCF TTM 396.6m / Enterprise Value 4.32b)
FCF Margin = 37.55% (FCF TTM 396.6m / Revenue TTM 1.06b)
Net Margin = 8.35% (Net Income TTM 88.2m / Revenue TTM 1.06b)
Gross Margin = 66.20% ((Revenue TTM 1.06b - Cost of Revenue TTM 357.0m) / Revenue TTM)
Gross Margin QoQ = 74.16% (prev 72.16%)
Tobins Q-Ratio = 0.14 (Enterprise Value 4.32b / Total Assets 30.59b)
Interest Expense / Debt = 381.7% (Interest Expense 98.8m / Debt 25.9m)
Taxrate = 11.39% (11.3m / 99.5m)
NOPAT = 92.6m (EBIT 104.4m * (1 - 11.39%))
Current Ratio = 0.02 (Total Current Assets 316.9m / Total Current Liabilities 21.12b)
Debt / Equity = 0.01 (Debt 25.9m / totalStockholderEquity, last quarter 4.34b)
Debt / EBITDA = -0.80 (Net Debt -126.1m / EBITDA 157.1m)
Debt / FCF = -0.32 (Net Debt -126.1m / FCF TTM 396.6m)
Total Stockholder Equity = 3.85b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.31% (Net Income 88.2m / Total Assets 30.59b)
RoE = 2.29% (Net Income TTM 88.2m / Total Stockholder Equity 3.85b)
RoCE = 2.69% (EBIT 104.4m / Capital Employed (Equity 3.85b + L.T.Debt 25.9m))
RoIC = 2.49% (NOPAT 92.6m / Invested Capital 3.72b)
WACC = 9.37% (E(4.61b)/V(4.63b) * Re(9.42%) + (debt cost/tax rate unavailable))
Discount Rate = 9.42% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 15.32%
[DCF Debug] Terminal Value 75.15% ; FCFF base≈332.3m ; Y1≈373.9m ; Y5≈501.3m
Fair Price DCF = 31.44 (EV 6.78b - Net Debt -126.1m = Equity 6.91b / Shares 219.7m; r=9.37% [WACC]; 5y FCF grow 14.56% → 2.90% )
EPS Correlation: 20.13 | EPS CAGR: 8.86% | SUE: 0.44 | # QB: 0
Revenue Correlation: 22.09 | Revenue CAGR: 22.98% | SUE: 0.34 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.45 | Chg30d=+0.018 | Revisions Net=+2 | Analysts=6
EPS current Year (2026-12-31): EPS=1.96 | Chg30d=+0.055 | Revisions Net=+2 | Growth EPS=+25.6% | Growth Revenue=+23.5%
EPS next Year (2027-12-31): EPS=2.22 | Chg30d=+0.099 | Revisions Net=+1 | Growth EPS=+13.3% | Growth Revenue=+4.5%