EBC Fundamental Analysis - EASTERN BANKSHARES INC

Fundamental Rating

Taking everything into account, EBC scores 4 out of 10 in our fundamental rating. EBC was compared to 391 industry peers in the Banks industry. The financial health of EBC is average, but there are quite some concerns on its profitability. EBC is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

EBC had positive earnings in the past year.

In the past year EBC had a positive cash flow from operations.

EBC had positive earnings in each of the past 5 years.

Each year in the past 5 years EBC had a positive operating cash flow.

1.2 Ratios

Looking at the Return On Assets, with a value of -0.25%, EBC is doing worse than 91.56% of the companies in the same industry.

With a Return On Equity value of -1.71%, EBC is not doing good in the industry: 92.07% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
ROA	-0.25%
ROE	-1.71%
ROIC	N/A

ROA(3y)0.82%

ROA(5y)0.65%

ROE(3y)6.4%

ROE(5y)4.88%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

EBC's Profit Margin has declined in the last couple of years.

The Profit Margin and Operating Margin and Gross Margin are not available for EBC so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	N/A
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-13.01%

PM growth 5Y-6.41%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

The number of shares outstanding for EBC has been increased compared to 5 years ago.

There is no outstanding debt for EBC. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

2.2 Solvency

There is no outstanding debt for EBC. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Altman-Z	N/A

ROIC/WACCN/A

WACC14.72%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 54.02% over the past year.

The Earnings Per Share has been decreasing by -0.41% on average over the past years.

The Revenue has decreased by -1.66% in the past year.

The Revenue has been growing slightly by 4.27% on average over the past years.

EPS 1Y (TTM)54.02%

EPS 3Y2.35%

EPS 5Y-0.41%

EPS Q2Q%86.36%

Revenue 1Y (TTM)-1.66%

Revenue growth 3Y5.5%

Revenue growth 5Y4.27%

Sales Q2Q%57.02%

3.2 Future

The Earnings Per Share is expected to grow by 29.57% on average over the next years. This is a very strong growth

Based on estimates for the next years, EBC will show a very strong growth in Revenue. The Revenue will grow by 29.92% on average per year.

EPS Next Y52.5%

EPS Next 2Y38.76%

EPS Next 3Y29.57%

EPS Next 5YN/A

Revenue Next Year36%

Revenue Next 2Y32.39%

Revenue Next 3Y29.92%

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last 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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 13.99, which indicates a correct valuation of EBC.

EBC's Price/Earnings ratio is a bit more expensive when compared to the industry. EBC is more expensive than 62.40% of the companies in the same industry.

EBC's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.55.

The Price/Forward Earnings ratio is 9.36, which indicates a very decent valuation of EBC.

Based on the Price/Forward Earnings ratio, EBC is valued a bit cheaper than the industry average as 61.64% of the companies are valued more expensively.

The average S&P500 Price/Forward Earnings ratio is at 23.04. EBC is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	13.99
Fwd PE	9.36

4.2 Price Multiples

EBC's Price/Free Cash Flow is on the same level as the industry average.

		Industry Rank	Sector Rank
P/FCF	11.18
EV/EBITDA	N/A

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.

A more expensive valuation may be justified as EBC's earnings are expected to grow with 29.57% in the coming years.

PEG (NY)0.27

PEG (5Y)N/A

EPS Next 2Y38.76%

EPS Next 3Y29.57%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.80%, EBC has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 3.59, EBC has a dividend in line with its industry peers.

Compared to an average S&P500 Dividend Yield of 2.43, EBC has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.8%

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

5.3 Sustainability

EBC has negative earnings and hence a negative payout ratio. The dividend may be in danger.

DP-154.07%

EPS Next 2Y38.76%

EPS Next 3Y29.57%

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EASTERN BANKSHARES INC

NASDAQ:EBC (10/15/2025, 8:25:29 PM)

After market: 18.75 0 (0%)

18.75

-0.11 (-0.58%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-24 2025-07-24/amc

Earnings (Next)10-23 2025-10-23/amc

Inst Owners77.69%

Inst Owner Change0%

Ins Owners1.07%

Ins Owner Change5.69%

Market Cap3.97B

Analysts77.78

Price Target20.6 (9.87%)

Short Float %3.56%

Short Ratio4.51

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.8%

Yearly Dividend0.42

Dividend Growth(5Y)N/A

DP-154.07%

Div Incr Years3

Div Non Decr Years3

Ex-Date09-03 2025-09-03 (0.13)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)4.67%

Min EPS beat(2)2.87%

Max EPS beat(2)6.48%

EPS beat(4)3

Avg EPS beat(4)-0.47%

Min EPS beat(4)-25.33%

Max EPS beat(4)14.11%

EPS beat(8)5

Avg EPS beat(8)-3.19%

EPS beat(12)6

Avg EPS beat(12)-2.95%

EPS beat(16)10

Avg EPS beat(16)0.17%

Revenue beat(2)0

Avg Revenue beat(2)-2.82%

Min Revenue beat(2)-4.62%

Max Revenue beat(2)-1.01%

Revenue beat(4)1

Avg Revenue beat(4)-3.22%

Min Revenue beat(4)-7.74%

Max Revenue beat(4)0.48%

Revenue beat(8)2

Avg Revenue beat(8)-2.96%

Revenue beat(12)5

Avg Revenue beat(12)-0.18%

Revenue beat(16)8

Avg Revenue beat(16)6.34%

PT rev (1m)3.59%

PT rev (3m)4.94%

EPS NQ rev (1m)-1.8%

EPS NQ rev (3m)6.67%

EPS NY rev (1m)0%

EPS NY rev (3m)2.41%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-0.24%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-0.18%

Valuation

		Industry Rank	Sector Rank
PE	13.99
Fwd PE	9.36
P/S	6.42
P/FCF	11.18
P/OCF	10.77
P/B	1.08
P/tB	1.5
EV/EBITDA	N/A

EPS(TTM)1.34

EY7.15%

EPS(NY)2

Fwd EY10.68%

FCF(TTM)1.68

FCFY8.95%

OCF(TTM)1.74

OCFY9.29%

SpS2.92

BVpS17.42

TBVpS12.53

PEG (NY)0.27

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	-0.25%
ROE	-1.71%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	N/A
GM	N/A
FCFM	57.45%

ROA(3y)0.82%

ROA(5y)0.65%

ROE(3y)6.4%

ROE(5y)4.88%

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

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-13.01%

PM growth 5Y-6.41%

GM growth 3YN/A

GM growth 5YN/A

F-Score4

Asset Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Debt/EBITDA	N/A
Cap/Depr	24.71%
Cap/Sales	2.17%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score4

WACC14.72%

ROIC/WACCN/A

Cap/Depr(3y)42.37%

Cap/Depr(5y)39.74%

Cap/Sales(3y)1.87%

Cap/Sales(5y)1.48%

Profit Quality(3y)148.68%

Profit Quality(5y)168.12%

High Growth Momentum

Growth

EPS 1Y (TTM)54.02%

EPS 3Y2.35%

EPS 5Y-0.41%

EPS Q2Q%86.36%

EPS Next Y52.5%

EPS Next 2Y38.76%

EPS Next 3Y29.57%

EPS Next 5YN/A

Revenue 1Y (TTM)-1.66%

Revenue growth 3Y5.5%

Revenue growth 5Y4.27%

Sales Q2Q%57.02%

Revenue Next Year36%

Revenue Next 2Y32.39%

Revenue Next 3Y29.92%

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 1Y53.52%

FCF growth 3Y16.99%

FCF growth 5Y7.42%

OCF growth 1Y55.35%

OCF growth 3Y17.6%

OCF growth 5Y7.66%

EASTERN BANKSHARES INC (EBC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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