EBC Stock Analysis: Eastern Bankshares | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 4.807m USD | 12M Return: 46.4% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 77.3M
EPS Trend: 49.7%
Qual. Beats: -1
Rev. Trend: 86.5%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 5.7 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: 371.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.02 > 1.0 |
| NWC/Revenue: -1.74k% < 20% (prev -2.32k%; Δ 574.8% < -1%) |
| CFO/TA 0.01 > 3% & CFO 375.6m > Net Income 371.1m |
| Net Debt (260.7m) to EBITDA (436.1m): 0.60 < 3 |
| Current Ratio: 0.03 > 1.5 & < 3 |
| Outstanding Shares: last quarter (223.4m) vs 12m ago 10.92% < -2% |
| Gross Margin: 72.98% > 18% (prev 52.88%; Δ 20.09% > 0.5%) |
| Asset Turnover: 5.04% > 50% (prev 3.48%; Δ 1.56% > 0%) |
| Interest Coverage Ratio: 1.04 > 6 (EBIT TTM 367.3m / Interest Expense TTM 353.7m) |
| A: -0.80 (Total Current Assets 686.9m - Total Current Liabilities 25.1b) / Total Assets 30.6b |
| B: 0.07 (Retained Earnings 2.10b / Total Assets 30.6b) |
| C: 0.01 (EBIT TTM 367.3m / Avg Total Assets 27.8b) |
| D: 0.16 (Book Value of Equity 4.29b / Total Liabilities 26.3b) |
| Altman-Z'' = -4.75 = D |
As of July 08, 2026, the stock is trading at USD 22.52 with a total of 2,497,216 shares traded. Over the past week, the price has changed by +2.04%, over one month by +10.07%, over three months by +13.73% and over the past year by +46.43%.
Current recommended Stop Loss: 21.90 (which is 2.8% or 1.2 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 | 23.4 | 4.1% |
P/E Trailing = 12.3536
P/E Forward = 12.1507
P/S = 4.6546
P/B = 1.1221
Revenue TTM = 1.40b USD
EBIT TTM = 367.3m USD
EBITDA TTM = 436.1m USD
Long Term Debt = 689.2m USD (from longTermDebt, last quarter)
Short Term Debt = 46.5m USD (from shortTermDebt, last fiscal year)
Debt = 689.2m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 260.7m USD (calculated: Debt 689.2m - CCE 428.5m)
Enterprise Value = 5.07b USD (4.81b + Debt 689.2m - CCE 428.5m)
Interest Coverage Ratio = 1.04 (Ebit TTM 367.3m / Interest Expense TTM 353.7m)
EV/FCF = 14.28x (Enterprise Value 5.07b / FCF TTM 354.9m)
FCF Yield = 7.00% (FCF TTM 354.9m / Enterprise Value 5.07b)
FCF Margin = 25.30% (FCF TTM 354.9m / Revenue TTM 1.40b)
Net Margin = 26.46% (Net Income TTM 371.1m / Revenue TTM 1.40b)
Gross Margin = 72.98% ((Revenue TTM 1.40b - Cost of Revenue TTM 379.1m) / Revenue TTM)
Gross Margin QoQ = 73.20% (prev 72.93%)
Tobins Q-Ratio = 0.17 (Enterprise Value 5.07b / Total Assets 30.6b)
Interest Expense / Debt = 51.32% (Interest Expense 353.7m / Debt 689.2m)
Taxrate = 22.15% (18.6m / 83.8m)
NOPAT = 285.9m (EBIT 367.3m * (1 - 22.15%))
Current Ratio = 0.03 (Total Current Assets 686.9m / Total Current Liabilities 25.1b)
Debt / Equity = 0.16 (Debt 689.2m / totalStockholderEquity, last quarter 4.29b)
Debt / EBITDA = 0.60 (Net Debt 260.7m / EBITDA 436.1m)
Debt / FCF = 0.73 (Net Debt 260.7m / FCF TTM 354.9m)
Total Stockholder Equity = 4.03b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.33% (Net Income 371.1m / Total Assets 30.6b)
RoE = 9.21% (Net Income TTM 371.1m / Total Stockholder Equity 4.03b)
RoCE = 7.78% (EBIT 367.3m / Capital Employed (Equity 4.03b + L.T.Debt 689.2m))
RoIC = 5.20% (NOPAT 285.9m / Invested Capital 5.50b)
WACC = 7.73% (E(4.81b)/V(5.50b) * Re(8.84%) + (debt cost/tax rate unavailable))
Discount Rate = 8.84% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 77.78 | Cagr: 15.12%
[DCF] Terminal Value 77.97% ; FCFF base≈327.3m ; Y1≈375.1m ; Y5≈552.1m
[DCF] Fair Price = 37.43 (EV 8.31b - Net Debt 260.7m = Equity 8.05b / Shares 215.0m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 49.71 | EPS CAGR: 13.55% | SUE: -0.98 | # QB: -1
Revenue Correlation: 86.51 | Revenue CAGR: 35.18% | SUE: 0.52 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.46 | Chg30d=+0.00% | Revisions=-57% | Analysts=8
EPS next Quarter (2026-09-30): EPS=0.50 | Chg30d=+0.00% | Revisions=-62% | Analysts=8
EPS current Year (2026-12-31): EPS=1.87 | Chg30d=+0.00% | Revisions=-67% | GrowthEPS=+20.1% | GrowthRev=+22.3%
EPS next Year (2027-12-31): EPS=2.17 | Chg30d=+0.00% | Revisions=-38% | GrowthEPS=+15.8% | GrowthRev=+6.1%
[Analyst] Revisions Ratio: -78% (up=1, down=19)