EBC

Company Overview — What Does Eastern Bankshares, Inc. Do?

Eastern Bankshares, Inc. operates as the bank holding company for Eastern Bank that provides banking products and services primarily to retail, commercial, and small business customers. It operates in two segments, Banking Business and Insurance Agency Business. The company provides interest-bearing and non interest-bearing checking deposits, money market deposits, savings deposits, and time certificates of deposits, as well as debit and credit cards. It also offers commercial and industrial loans, commercial real estate and construction loans, small business loans, residential real estate loans, home equity, and lines of credit, as well as other consumer loans comprising unsecured personal lines of credit, overdraft protection, automobile loans, home improvement loans, airplane loans, and other personal loans. In addition, the company provides cash reserves, cash management, merchant, escrow express, government banking, international banking, interest on lawyers trust accounts, retirement planning, and business telephone banking services, as well as products and services for not-for-profit and healthcare. Further, it offers trust and investment products and services; community development and asset-based lending services; financial planning, portfolio management, wealth management, private banking, and fiduciary products; online, mobile, and telephone banking services; and automated lock box collection and account reconciliation services, as well as various insurance products. As of December 31, 2021, the company operated 105 branch offices in eastern Massachusetts and southern New Hampshire; and 23 non-branch offices in eastern Massachusetts, one office in New Hampshire, and one office in Rhode Island. Eastern Bankshares, Inc. was founded in 1818 and is headquartered in Boston, Massachusetts. Eastern Bankshares, Inc. (EBC) is classified as a mid-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Robert F. Rivers and employs approximately 2,150 people. With a market capitalization of $4.4B, EBC is one of the notable companies in the Financials sector.

Eastern Bankshares, Inc. (EBC) Stock Rating — Hold (April 2026)

As of April 2026, Eastern Bankshares, Inc. receives a Hold rating with a composite score of 44.9/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.EBC ranks #1,609 out of 4,446 stocks in our coverage universe. Within the Financials sector, Eastern Bankshares, Inc. ranks #490 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

EBC Stock Price and 52-Week Range

Eastern Bankshares, Inc. (EBC) currently trades at $20.83. The stock lost $0.13 (0.6%) in the most recent trading session. The 52-week high for EBC is $22.57, which means the stock is currently trading -7.7% from its annual peak. The 52-week low is $13.51, putting the stock 54.2% above its annual trough. Recent trading volume was 961K shares, suggesting relatively thin trading activity.

Is EBC Overvalued or Undervalued? — Valuation Analysis

Eastern Bankshares, Inc. (EBC) carries a value factor score of 49/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 48.74x, compared to the Financials sector average of 14.88x — a premium of 228%. The price-to-book ratio stands at 1.02x, versus the sector average of 1.22x. The price-to-sales ratio is 35.00x, compared to 0.90x for the average Financials stock. On an enterprise value basis, EBC trades at 634.17x EV/EBITDA, versus 3.26x for the sector.

Overall, EBC's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.

Eastern Bankshares, Inc. Profitability — ROE, Margins, and Quality Score

Eastern Bankshares, Inc. (EBC) earns a quality factor score of 40/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is -0.4%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at -0.1% versus the sector average of 1.2%.

On a margin basis, Eastern Bankshares, Inc. reports gross margins of 0.0%. The operating margin is -2.2% (sector: 21.8%). Net profit margin stands at -22.4%, versus 17.7% for the average Financials stock. Revenue growth is running at 14.2% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

EBC Debt, Balance Sheet, and Financial Health

Eastern Bankshares, Inc. has a debt-to-equity ratio of 605.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.17x, suggesting adequate working capital coverage. Total debt on the balance sheet is $26M. Cash and equivalents stand at $117M.

EBC has a beta of 0.93, meaning it is roughly in line with the broader market in terms of price volatility. The stability factor score for Eastern Bankshares, Inc. is 77/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.

Eastern Bankshares, Inc. Revenue and Earnings History — Quarterly Trend

In TTM 2026, Eastern Bankshares, Inc. reported revenue of $127M and earnings per share (EPS) of $0.43. Net income for the quarter was $-17M. Gross margin was 0.0%. Operating income came in at $7M.

In FY 2025, Eastern Bankshares, Inc. reported revenue of $134M and earnings per share (EPS) of $0.43. Net income for the quarter was $88M. Revenue grew 19.1% year-over-year compared to FY 2024. Operating income came in at $100M.

In Q3 2025, Eastern Bankshares, Inc. reported revenue of $33M and earnings per share (EPS) of $0.53. Net income for the quarter was $106M. Revenue grew 9.5% year-over-year compared to Q3 2024. Operating income came in at $94M.

In Q2 2025, Eastern Bankshares, Inc. reported revenue of $33M and earnings per share (EPS) of $0.50. Net income for the quarter was $100M. Revenue grew 12.6% year-over-year compared to Q2 2024. Operating income came in at $100M.

Over the past 8 quarters, Eastern Bankshares, Inc. has demonstrated a growth trajectory, with revenue expanding from $29M to $127M. Investors analyzing EBC stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

EBC Dividend Yield and Income Analysis

Eastern Bankshares, Inc. (EBC) currently pays a dividend yield of 2.8%. At this yield, a $10,000 investment in EBC stock would generate approximately $$275.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.5%, meaning EBC offers above-average income for its sector.

EBC Momentum and Technical Analysis Profile

Eastern Bankshares, Inc. (EBC) has a momentum factor score of 54/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 28/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 16/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

EBC vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, Eastern Bankshares, Inc. (EBC) ranks #490 out of 891 stocks based on the Blank Capital composite score. This places EBC in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing EBC against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full EBC vs S&P 500 (SPY) comparison to assess how Eastern Bankshares, Inc. stacks up against the broader market across all factor dimensions.

EBC Next Earnings Date

No upcoming earnings date has been announced for Eastern Bankshares, Inc. (EBC) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy EBC? — Investment Thesis Summary

Eastern Bankshares, Inc. presents a balanced picture with arguments on both sides. Low volatility (stability score 77/100) reduces downside risk.

In summary, Eastern Bankshares, Inc. (EBC) earns a Hold rating with a composite score of 44.9/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on EBC stock.

Related Resources for EBC Investors

Explore more research and tools: EBC vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare EBC head-to-head with peers: EBC vs WTM, EBC vs OPY, EBC vs ACT.