EASTERN BANKSHARES INC (EBC) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:EBC • US27627N1054

21.89 USD
+0.44 (+2.05%)
At close: Feb 6, 2026
21.89 USD
0 (0%)
After Hours: 2/6/2026, 8:00:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to EBC. EBC was compared to 381 industry peers in the Banks industry. The financial health of EBC is average, but there are quite some concerns on its profitability. EBC is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year EBC was profitable.
  • EBC had a positive operating cash flow in the past year.
  • In the past 5 years EBC has always been profitable.
  • EBC had a positive operating cash flow in 4 of the past 5 years.
EBC Yearly Net Income VS EBIT VS OCF VS FCFEBC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M

1.2 Ratios

  • EBC has a worse Return On Assets (0.19%) than 86.98% of its industry peers.
  • EBC's Return On Equity of 1.30% is on the low side compared to the rest of the industry. EBC is outperformed by 87.50% of its industry peers.
Industry RankSector Rank
ROA 0.19%
ROE 1.3%
ROIC N/A
ROA(3y)0.62%
ROA(5y)0.68%
ROE(3y)4.38%
ROE(5y)5.15%
ROIC(3y)N/A
ROIC(5y)N/A
EBC Yearly ROA, ROE, ROICEBC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8

1.3 Margins

  • The Profit Margin of EBC (7.55%) is worse than 86.46% of its industry peers.
  • In the last couple of years the Profit Margin of EBC has grown nicely.
  • The Operating Margin and Gross Margin are not available for EBC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 7.55%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-23.11%
PM growth 5Y25.52%
GM growth 3YN/A
GM growth 5YN/A
EBC Yearly Profit, Operating, Gross MarginsEBC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • EBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • EBC has more shares outstanding than it did 1 year ago.
  • EBC has more shares outstanding than it did 5 years ago.
  • EBC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
EBC Yearly Shares OutstandingEBC Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M
EBC Yearly Total Debt VS Total AssetsEBC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

2.2 Solvency

  • EBC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC13.46%
EBC Yearly LT Debt VS Equity VS FCFEBC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
EBC Yearly Current Assets VS Current LiabilitesEBC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 2024 20M 40M 60M 80M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 50.00% over the past year.
  • The Earnings Per Share has been growing by 31.45% on average over the past years. This is a very strong growth
  • EBC shows a decrease in Revenue. In the last year, the revenue decreased by -1.22%.
  • EBC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.51% yearly.
EPS 1Y (TTM)50%
EPS 3Y6.82%
EPS 5Y31.45%
EPS Q2Q%29.41%
Revenue 1Y (TTM)-1.22%
Revenue growth 3Y-0.97%
Revenue growth 5Y4.51%
Sales Q2Q%32.48%

3.2 Future

  • EBC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 19.85% yearly.
  • The Revenue is expected to grow by 22.50% on average over the next years. This is a very strong growth
EPS Next Y26.81%
EPS Next 2Y19.85%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year43.42%
Revenue Next 2Y22.5%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
EBC Yearly Revenue VS EstimatesEBC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M 1B
EBC Yearly EPS VS EstimatesEBC Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 14.03, which indicates a correct valuation of EBC.
  • The rest of the industry has a similar Price/Earnings ratio as EBC.
  • When comparing the Price/Earnings ratio of EBC to the average of the S&P500 Index (27.93), we can say EBC is valued slightly cheaper.
  • With a Price/Forward Earnings ratio of 11.07, the valuation of EBC can be described as very reasonable.
  • EBC's Price/Forward Earnings is on the same level as the industry average.
  • When comparing the Price/Forward Earnings ratio of EBC to the average of the S&P500 Index (27.77), we can say EBC is valued rather cheaply.
Industry RankSector Rank
PE 14.03
Fwd PE 11.07
EBC Price Earnings VS Forward Price EarningsEBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • The rest of the industry has a similar Price/Free Cash Flow ratio as EBC.
Industry RankSector Rank
P/FCF 13.16
EV/EBITDA N/A
EBC Per share dataEBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • EBC's earnings are expected to grow with 19.85% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.52
PEG (5Y)0.45
EPS Next 2Y19.85%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. Dividend

5.1 Amount

  • EBC has a Yearly Dividend Yield of 2.42%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.53, EBC has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.81, EBC pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.42%

5.2 History

  • EBC has been paying a dividend for over 5 years, so it has already some track record.
  • EBC has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years3
Div Non Decr Years3
EBC Yearly Dividends per shareEBC Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • 203.09% of the earnings are spent on dividend by EBC. This is not a sustainable payout ratio.
DP203.09%
EPS Next 2Y19.85%
EPS Next 3YN/A
EBC Yearly Income VS Free CF VS DividendEBC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M
EBC Dividend Payout.EBC Dividend Payout, showing the Payout Ratio.EBC Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

EASTERN BANKSHARES INC

NASDAQ:EBC (2/6/2026, 8:00:01 PM)

After market: 21.89 0 (0%)

21.89

+0.44 (+2.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-22
Inst Owners72.04%
Inst Owner Change1.54%
Ins Owners1.02%
Ins Owner Change4.31%
Market Cap5.22B
Revenue(TTM)722.56M
Net Income(TTM)49.48M
Analysts77.78
Price Target23.89 (9.14%)
Short Float %3.28%
Short Ratio3.66
Dividend
Industry RankSector Rank
Dividend Yield 2.42%
Yearly Dividend0.42
Dividend Growth(5Y)N/A
DP203.09%
Div Incr Years3
Div Non Decr Years3
Ex-Date03-06
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.8%
Min EPS beat(2)-8.07%
Max EPS beat(2)6.48%
EPS beat(4)3
Avg EPS beat(4)3.85%
Min EPS beat(4)-8.07%
Max EPS beat(4)14.11%
EPS beat(8)4
Avg EPS beat(8)-5.9%
EPS beat(12)6
Avg EPS beat(12)-2.69%
EPS beat(16)9
Avg EPS beat(16)-0.61%
Revenue beat(2)0
Avg Revenue beat(2)-2.58%
Min Revenue beat(2)-4.16%
Max Revenue beat(2)-1.01%
Revenue beat(4)1
Avg Revenue beat(4)-2.33%
Min Revenue beat(4)-4.62%
Max Revenue beat(4)0.48%
Revenue beat(8)2
Avg Revenue beat(8)-3.09%
Revenue beat(12)4
Avg Revenue beat(12)-1.63%
Revenue beat(16)7
Avg Revenue beat(16)3.86%
PT rev (1m)7.66%
PT rev (3m)6.44%
EPS NQ rev (1m)-1.17%
EPS NQ rev (3m)-1.13%
EPS NY rev (1m)1.79%
EPS NY rev (3m)0.67%
Revenue NQ rev (1m)-1.14%
Revenue NQ rev (3m)3.22%
Revenue NY rev (1m)7.09%
Revenue NY rev (3m)14.71%
Valuation
Industry RankSector Rank
PE 14.03
Fwd PE 11.07
P/S 7.96
P/FCF 13.16
P/OCF 12.52
P/B 1.37
P/tB 1.88
EV/EBITDA N/A
EPS(TTM)1.56
EY7.13%
EPS(NY)1.98
Fwd EY9.04%
FCF(TTM)1.66
FCFY7.6%
OCF(TTM)1.75
OCFY7.99%
SpS2.75
BVpS15.96
TBVpS11.65
PEG (NY)0.52
PEG (5Y)0.45
Graham Number23.67
Profitability
Industry RankSector Rank
ROA 0.19%
ROE 1.3%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 7.55%
GM N/A
FCFM 60.49%
ROA(3y)0.62%
ROA(5y)0.68%
ROE(3y)4.38%
ROE(5y)5.15%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-23.11%
PM growth 5Y25.52%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 60.02%
Cap/Sales 3.12%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 801.52%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC13.46%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)50%
EPS 3Y6.82%
EPS 5Y31.45%
EPS Q2Q%29.41%
EPS Next Y26.81%
EPS Next 2Y19.85%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-1.22%
Revenue growth 3Y-0.97%
Revenue growth 5Y4.51%
Sales Q2Q%32.48%
Revenue Next Year43.42%
Revenue Next 2Y22.5%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y68.18%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y68.23%
OCF growth 3YN/A
OCF growth 5YN/A

EASTERN BANKSHARES INC / EBC FAQ

What is the fundamental rating for EBC stock?

ChartMill assigns a fundamental rating of 4 / 10 to EBC.


What is the valuation status of EASTERN BANKSHARES INC (EBC) stock?

ChartMill assigns a valuation rating of 5 / 10 to EASTERN BANKSHARES INC (EBC). This can be considered as Fairly Valued.


What is the profitability of EBC stock?

EASTERN BANKSHARES INC (EBC) has a profitability rating of 2 / 10.


Can you provide the PE and PB ratios for EBC stock?

The Price/Earnings (PE) ratio for EASTERN BANKSHARES INC (EBC) is 14.03 and the Price/Book (PB) ratio is 1.37.


Can you provide the financial health for EBC stock?

The financial health rating of EASTERN BANKSHARES INC (EBC) is 4 / 10.