EASTERN BANKSHARES INC (EBC) Fundamental Analysis & Valuation

NASDAQ:EBC • US27627N1054

Current stock price

20.96 USD
+0.26 (+1.26%)
At close:
20.96 USD
0 (0%)
After Hours:

This EBC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. EBC Profitability Analysis

1.1 Basic Checks

  • EBC had positive earnings in the past year.
  • In the past year EBC had a positive cash flow from operations.
  • Each year in the past 5 years EBC has been profitable.
  • In the past 5 years EBC always reported a positive cash flow from operatings.
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 100M 200M 300M 400M

1.2 Ratios

  • EBC's Return On Assets of 0.29% is on the low side compared to the rest of the industry. EBC is outperformed by 89.47% of its industry peers.
  • With a Return On Equity value of 2.03%, EBC is not doing good in the industry: 89.74% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.29%
ROE 2.03%
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 (12.21%) is worse than 84.74% 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) 12.21%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-23.1%
PM growth 5Y25.53%
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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4

2. EBC Health Analysis

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.
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

  • 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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC14.22%
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 2025 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. EBC Growth Analysis

3.1 Past

  • EBC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 50.00%, which is quite impressive.
  • Measured over the past years, EBC shows a very strong growth in Earnings Per Share. The EPS has been growing by 31.45% on average per year.
  • Looking at the last year, EBC shows a decrease in Revenue. The Revenue has decreased by -1.21% in the last year.
  • The Revenue has been growing slightly by 4.51% on average over the past years.
EPS 1Y (TTM)50%
EPS 3Y6.82%
EPS 5Y31.45%
EPS Q2Q%29.41%
Revenue 1Y (TTM)-1.21%
Revenue growth 3Y-0.98%
Revenue growth 5Y4.51%
Sales Q2Q%32.48%

3.2 Future

  • The Earnings Per Share is expected to grow by 19.45% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 24.95% on average over the next years. This is a very strong growth
EPS Next Y25.95%
EPS Next 2Y19.45%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year49.48%
Revenue Next 2Y24.95%
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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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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5

4. EBC Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 13.44, which indicates a correct valuation of EBC.
  • Compared to the rest of the industry, the Price/Earnings ratio of EBC is on the same level as its industry peers.
  • The average S&P500 Price/Earnings ratio is at 26.91. EBC is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 10.67, the valuation of EBC can be described as very reasonable.
  • EBC's Price/Forward Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.68, EBC is valued rather cheaply.
Industry RankSector Rank
PE 13.44
Fwd PE 10.67
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

  • EBC's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 11.91
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

  • EBC's 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 19.45% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.52
PEG (5Y)0.43
EPS Next 2Y19.45%
EPS Next 3YN/A

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

3

5. EBC Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.74%, EBC has a reasonable but not impressive dividend return.
  • EBC's Dividend Yield is comparable with the industry average which is at 2.73.
  • Compared to an average S&P500 Dividend Yield of 1.89, EBC pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.74%

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 Years4
Div Non Decr Years4
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

  • 119.83% of the earnings are spent on dividend by EBC. This is not a sustainable payout ratio.
DP119.83%
EPS Next 2Y19.45%
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 100M 200M 300M 400M
EBC Dividend Payout.EBC Dividend Payout, showing the Payout Ratio.EBC Dividend Payout.PayoutRetained Earnings

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EBC Fundamentals: All Metrics, Ratios and Statistics

EASTERN BANKSHARES INC

NASDAQ:EBC (4/9/2026, 8:24:27 PM)

After market: 20.96 0 (0%)

20.96

+0.26 (+1.26%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-23
Inst Owners82%
Inst Owner Change0%
Ins Owners1.01%
Ins Owner Change6.26%
Market Cap4.92B
Revenue(TTM)722.65M
Net Income(TTM)88.22M
Analysts78
Price Target23.89 (13.98%)
Short Float %3.44%
Short Ratio3.66
Dividend
Industry RankSector Rank
Dividend Yield 2.74%
Yearly Dividend0.47
Dividend Growth(5Y)N/A
DP119.83%
Div Incr Years4
Div Non Decr Years4
Ex-Date03-06
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-1.49%
Min EPS beat(2)-8.07%
Max EPS beat(2)5.1%
EPS beat(4)3
Avg EPS beat(4)1.59%
Min EPS beat(4)-8.07%
Max EPS beat(4)6.48%
EPS beat(8)5
Avg EPS beat(8)1.09%
EPS beat(12)7
Avg EPS beat(12)-1.41%
EPS beat(16)9
Avg EPS beat(16)-0.77%
Revenue beat(2)0
Avg Revenue beat(2)-4.95%
Min Revenue beat(2)-5.75%
Max Revenue beat(2)-4.16%
Revenue beat(4)0
Avg Revenue beat(4)-3.88%
Min Revenue beat(4)-5.75%
Max Revenue beat(4)-1.01%
Revenue beat(8)1
Avg Revenue beat(8)-4.02%
Revenue beat(12)3
Avg Revenue beat(12)-3.18%
Revenue beat(16)6
Avg Revenue beat(16)1.03%
PT rev (1m)0%
PT rev (3m)7.66%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.13%
EPS NY rev (1m)0%
EPS NY rev (3m)1.1%
Revenue NQ rev (1m)-0.18%
Revenue NQ rev (3m)11.19%
Revenue NY rev (1m)-0.16%
Revenue NY rev (3m)11.6%
Valuation
Industry RankSector Rank
PE 13.44
Fwd PE 10.67
P/S 6.81
P/FCF 11.91
P/OCF 11.37
P/B 1.13
P/tB 1.62
EV/EBITDA N/A
EPS(TTM)1.56
EY7.44%
EPS(NY)1.96
Fwd EY9.37%
FCF(TTM)1.76
FCFY8.4%
OCF(TTM)1.84
OCFY8.79%
SpS3.08
BVpS18.5
TBVpS12.95
PEG (NY)0.52
PEG (5Y)0.43
Graham Number25.48
Profitability
Industry RankSector Rank
ROA 0.29%
ROE 2.03%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 12.21%
GM N/A
FCFM 57.15%
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-23.1%
PM growth 5Y25.53%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 41.4%
Cap/Sales 2.69%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 468.14%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC14.22%
ROIC/WACCN/A
Cap/Depr(3y)52.56%
Cap/Depr(5y)50.87%
Cap/Sales(3y)2.38%
Cap/Sales(5y)1.84%
Profit Quality(3y)267.81%
Profit Quality(5y)204.66%
High Growth Momentum
Growth
EPS 1Y (TTM)50%
EPS 3Y6.82%
EPS 5Y31.45%
EPS Q2Q%29.41%
EPS Next Y25.95%
EPS Next 2Y19.45%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-1.21%
Revenue growth 3Y-0.98%
Revenue growth 5Y4.51%
Sales Q2Q%32.48%
Revenue Next Year49.48%
Revenue Next 2Y24.95%
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 1Y52.79%
FCF growth 3Y23.12%
FCF growth 5Y44.83%
OCF growth 1Y52.35%
OCF growth 3Y23.44%
OCF growth 5Y43.97%

EASTERN BANKSHARES INC / EBC Fundamental Analysis 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.


How profitable is EASTERN BANKSHARES INC (EBC) stock?

EASTERN BANKSHARES INC (EBC) has a profitability rating of 3 / 10.


What is the earnings growth outlook for EASTERN BANKSHARES INC?

The Earnings per Share (EPS) of EASTERN BANKSHARES INC (EBC) is expected to grow by 25.95% in the next year.


Can you provide the dividend sustainability for EBC stock?

The dividend rating of EASTERN BANKSHARES INC (EBC) is 3 / 10 and the dividend payout ratio is 119.83%.