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Company Analysis

Eastern Bankshares, Inc. EBC

A comprehensive view of key metrics, scores, and financial health for Eastern Bankshares, Inc.

Overview of Eastern Bankshares, Inc.

EBC NMS
Financial Services Banks - Regional Mid Cap
Eastern Bankshares, Inc. (EBC), is a Mid Cap company, in the Banks - Regional industry, last closed at $18.79, about 3.1% overvalued vs fair value, +14.5% 1Y return, ranked 371/1004 in sector.
$18.79
-0.37%
As of March 13, 2026
Previous close • Vol 90d: 28.0%
52-Week Range
Market Cap
$4.23B
Enterprise Value
$4.32B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.easternbank.com
HQ Boston, MA
Fiscal year Dec 31

Next Events

Dividend Mar 20
Earnings Apr 23 Estimated

Fair Value Snapshot

Bear Base Bull
$10
$18
$34
Current: $18.79 -3% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$946.8M
18.9%%
Interest Expense
$335.7M
Net Interest Income
$607.6M
10.4%%
Total Revenue
$1.1B
44.4%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
3.3%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$110.2M
92.2% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Eastern Bankshares, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
34
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
30
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing EBC's balance between Growth (61.6%), Profitability (18.2%), and Safety (20.2%). Growth 62% Safety 20% Profitability 18%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

56th percentile vs peers
57
Key Signals
Asset Growth YoY 19.7% 89p Revenue CAGR 3Y 17.9% 48p Rev Growth YoY 44.4% 37p
Strengths
  • Asset Growth Yoy in top 20% of peers (19.7%, 89th percentile)
Risks

No significant risks identified for this axis.

Profitability

16th percentile vs peers
17
Key Signals
Strengths
Risks
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Safety

18th percentile vs peers
19
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Eastern Bankshares, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$18.21
- - -
-3.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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