(EBC) Eastern Bankshares - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 4.125m USD | Total Return: 37.5% in 12m
Avg Turnover: 31.6M
EPS Trend: 55.0%
Qual. Beats: -1
Rev. Trend: 86.5%
Qual. Beats: 0
Warnings
Below Avwap Earnings
Tailwinds
No distinct edge detected
Eastern Bankshares, Inc. (EBC) is a Boston-based bank holding company established in 1818. It operates primarily through Eastern Bank, offering a diversified suite of retail and commercial banking products, including deposit accounts, residential and commercial real estate loans, and asset-based lending. The company also maintains a wealth management division providing trust services and financial planning to individual and corporate clients.
As a regional bank, EBC generates a significant portion of its revenue from the net interest margin, which is the spread between interest earned on loans and interest paid on deposits. Regional banks often maintain a competitive advantage through localized market knowledge and established relationships within specific geographic corridors, such as the Northeast United States. This business model relies heavily on the credit quality of the underlying loan portfolio and prevailing interest rate environments.
Investors can further evaluate the company’s capital allocation and valuation metrics by reviewing the data available on ValueRay. For more comprehensive financial analysis, examine the latest quarterly filings to assess the banks liquidity position and loan-to-deposit ratios.
- Net interest margin sensitivity to Federal Reserve monetary policy shifts
- Cambridge Bancorp merger integration success and realized cost synergies
- Commercial real estate exposure within the Greater Boston regional market
- Asset quality trends in small business and industrial lending portfolios
- Non-interest income growth from wealth management and trust services expansion
| Net Income: 371.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.02 > 1.0 |
| NWC/Revenue: -983.3% < 20% (prev -2.32k%; Δ 1.33k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 375.6m > Net Income 371.2m |
| Net Debt (385.7m) to EBITDA (424.9m): 0.91 < 3 |
| Current Ratio: 0.02 > 1.5 & < 3 |
| Outstanding Shares: last quarter (223.4m) vs 12m ago 10.92% < -2% |
| Gross Margin: 73.51% > 18% (prev 0.53%; Δ 7.30k% > 0.5%) |
| Asset Turnover: 5.08% > 50% (prev 3.48%; Δ 1.60% > 0%) |
| Interest Coverage Ratio: 1.05 > 6 (EBITDA TTM 424.9m / Interest Expense TTM 353.8m) |
| A: -0.45 (Total Current Assets 331.5m - Total Current Liabilities 14.2b) / Total Assets 30.6b |
| B: 0.07 (Retained Earnings 2.10b / Total Assets 30.6b) |
| C: 0.01 (EBIT TTM 372.2m / Avg Total Assets 27.8b) |
| D: 0.07 (Book Value of Equity 1.86b / Total Liabilities 26.3b) |
| Altman-Z'' = -2.59 = D |
As of May 24, 2026, the stock is trading at USD 19.85 with a total of 1,271,858 shares traded.
Over the past week, the price has changed by +3.44%,
over one month by -1.98%,
over three months by -2.33% and
over the past year by +37.49%.
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 | 23.3 | 17.4% |
P/E Forward = 10.9051
P/S = 3.9947
P/B = 1.0115
Revenue TTM = 1.41b USD
EBIT TTM = 372.2m USD
EBITDA TTM = 424.9m USD
Long Term Debt = 153.1m USD (from longTermDebt, last fiscal year)
Short Term Debt = 46.5m USD (from shortLongTermDebt, last fiscal year)
Debt = 717.2m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 385.7m USD (calculated: Debt 717.2m - CCE 331.5m)
Enterprise Value = 4.51b USD (4.13b + Debt 717.2m - CCE 331.5m)
Interest Coverage Ratio = 1.05 (Ebit TTM 372.2m / Interest Expense TTM 353.8m)
EV/FCF = 12.71x (Enterprise Value 4.51b / FCF TTM 354.9m)
FCF Yield = 7.87% (FCF TTM 354.9m / Enterprise Value 4.51b)
FCF Margin = 25.12% (FCF TTM 354.9m / Revenue TTM 1.41b)
Net Margin = 26.27% (Net Income TTM 371.2m / Revenue TTM 1.41b)
Gross Margin = 73.51% ((Revenue TTM 1.41b - Cost of Revenue TTM 374.3m) / Revenue TTM)
Gross Margin QoQ = 73.95% (prev 74.16%)
Tobins Q-Ratio = 0.15 (Enterprise Value 4.51b / Total Assets 30.6b)
Interest Expense / Debt = 49.33% (Interest Expense 353.8m / Debt 717.2m)
Taxrate = 22.20% (18.6m / 83.8m)
NOPAT = 289.6m (EBIT 372.2m * (1 - 22.20%))
Current Ratio = 0.02 (Total Current Assets 331.5m / Total Current Liabilities 14.2b)
Debt / Equity = 0.17 (Debt 717.2m / totalStockholderEquity, last quarter 4.29b)
Debt / EBITDA = 0.91 (Net Debt 385.7m / EBITDA 424.9m)
Debt / FCF = 1.09 (Net Debt 385.7m / FCF TTM 354.9m)
Total Stockholder Equity = 4.03b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.33% (Net Income 371.2m / Total Assets 30.6b)
RoE = 9.21% (Net Income TTM 371.2m / Total Stockholder Equity 4.03b)
RoCE = 8.90% (EBIT 372.2m / Capital Employed (Equity 4.03b + L.T.Debt 153.1m))
RoIC = 1.80% (NOPAT 289.6m / Invested Capital 16.1b)
WACC = 13.65% (E(4.13b)/V(4.84b) * Re(9.35%) + D(717.2m)/V(4.84b) * Rd(49.33%) * (1-Tc(0.22)))
Discount Rate = 9.35% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 77.78 | Cagr: 15.12%
[DCF] Terminal Value 62.78% ; FCFF base≈327.3m ; Y1≈375.1m ; Y5≈552.1m
[DCF] Fair Price = 18.04 (EV 4.26b - Net Debt 385.7m = Equity 3.88b / Shares 215.0m; r=13.65% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 54.99 | EPS CAGR: 16.65% | SUE: -0.90 | # QB: -1
Revenue Correlation: 86.54 | Revenue CAGR: 35.33% | SUE: 0.59 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.46 | Chg30d=-2.92% | Revisions=-50% | Analysts=8
EPS next Quarter (2026-09-30): EPS=0.50 | Chg30d=-2.61% | Revisions=-56% | Analysts=8
EPS current Year (2026-12-31): EPS=1.87 | Chg30d=-3.77% | Revisions=-60% | GrowthEPS=+20.1% | GrowthRev=+22.3%
EPS next Year (2027-12-31): EPS=2.17 | Chg30d=-1.37% | Revisions=-33% | GrowthEPS=+15.8% | GrowthRev=+6.0%
[Analyst] Revisions Ratio: -60%