19.44 USD
+0.01 (+0.05%)
19.44 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to EBC. EBC was compared to 383 industry peers in the Banks industry. The financial health of EBC is average, but there are quite some concerns on its profitability. EBC has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year EBC was profitable.
EBC had a positive operating cash flow in the past year.
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
The Return On Assets of EBC (0.19%) is worse than 86.95% 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 87.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.19% | ||
| ROE | 1.3% | ||
| 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
The Profit Margin of EBC (7.55%) is worse than 86.68% of its industry peers.
In the last couple of years the Profit Margin of EBC has declined.
The 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) | 7.55% | ||
| 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
2. Health
2.1 Basic Checks
EBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for EBC has been increased compared to 1 year ago.
EBC has more shares outstanding than it did 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
EBC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
EBC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 82.50%, which is quite impressive.
EBC shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.41% yearly.
The Revenue has decreased by -2.86% in the past year.
The Revenue has been growing slightly by 4.27% on average over the past years.
EPS 1Y (TTM)82.5%
EPS 3Y2.35%
EPS 5Y-0.41%
EPS Q2Q%48%
Revenue 1Y (TTM)-2.86%
Revenue growth 3Y5.5%
Revenue growth 5Y4.27%
Sales Q2Q%17.87%
3.2 Future
EBC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 27.57% yearly.
The Revenue is expected to grow by 24.88% on average over the next years. This is a very strong growth
EPS Next Y49.24%
EPS Next 2Y36.7%
EPS Next 3Y27.57%
EPS Next 5YN/A
Revenue Next Year39.3%
Revenue Next 2Y35.93%
Revenue Next 3Y24.88%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 13.32, EBC is valued correctly.
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 (27.19), we can say EBC is valued rather cheaply.
The Price/Forward Earnings ratio is 10.00, which indicates a very decent valuation of EBC.
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 (23.92), we can say EBC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.32 | ||
| Fwd PE | 10 |
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 | 11.69 | ||
| 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.
EBC's earnings are expected to grow with 27.57% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.27
PEG (5Y)N/A
EPS Next 2Y36.7%
EPS Next 3Y27.57%
5. Dividend
5.1 Amount
EBC has a Yearly Dividend Yield of 2.68%. Purely for dividend investing, there may be better candidates out there.
EBC's Dividend Yield is comparable with the industry average which is at 2.90.
EBC's Dividend Yield is a higher than the S&P500 average which is at 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.68% |
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 pays out 203.09% of its income as dividend. This is not a sustainable payout ratio.
DP203.09%
EPS Next 2Y36.7%
EPS Next 3Y27.57%
19.44
+0.01 (+0.05%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners72.04%
Inst Owner Change0.01%
Ins Owners1.02%
Ins Owner Change5.46%
Market Cap4.64B
Revenue(TTM)655.70M
Net Income(TTM)49.48M
Analysts77.78
Price Target22.19 (14.15%)
Short Float %3.59%
Short Ratio3.05
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.68% |
Yearly Dividend0.42
Dividend Growth(5Y)N/A
DP203.09%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
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)0%
PT rev (3m)7.67%
EPS NQ rev (1m)0.04%
EPS NQ rev (3m)4.17%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.13%
Revenue NQ rev (1m)4.41%
Revenue NQ rev (3m)11.71%
Revenue NY rev (1m)0.89%
Revenue NY rev (3m)2.42%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.32 | ||
| Fwd PE | 10 | ||
| P/S | 7.07 | ||
| P/FCF | 11.69 | ||
| P/OCF | 11.11 | ||
| P/B | 1.22 | ||
| P/tB | 1.67 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.46
EY7.51%
EPS(NY)1.94
Fwd EY10%
FCF(TTM)1.66
FCFY8.56%
OCF(TTM)1.75
OCFY9%
SpS2.75
BVpS15.96
TBVpS11.65
PEG (NY)0.27
PEG (5Y)N/A
Graham Number22.9
Profitability
| Industry Rank | Sector 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)0.82%
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
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-13.01%
PM growth 5Y-6.41%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
| Industry Rank | Sector 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
WACC14%
ROIC/WACCN/A
Cap/Depr(3y)57.88%
Cap/Depr(5y)49.04%
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)82.5%
EPS 3Y2.35%
EPS 5Y-0.41%
EPS Q2Q%48%
EPS Next Y49.24%
EPS Next 2Y36.7%
EPS Next 3Y27.57%
EPS Next 5YN/A
Revenue 1Y (TTM)-2.86%
Revenue growth 3Y5.5%
Revenue growth 5Y4.27%
Sales Q2Q%17.87%
Revenue Next Year39.3%
Revenue Next 2Y35.93%
Revenue Next 3Y24.88%
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 1Y92.71%
FCF growth 3Y16.99%
FCF growth 5Y7.42%
OCF growth 1Y96.45%
OCF growth 3Y17.6%
OCF growth 5Y7.66%
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 13.32 and the Price/Book (PB) ratio is 1.22.
Can you provide the financial health for EBC stock?
The financial health rating of EASTERN BANKSHARES INC (EBC) is 4 / 10.