Stock AnalizEastern Bankshares, Inc. EBC
Savings Institutions · IPO 2020 · data as of November 13, 2026
Eastern Bankshares, Inc. (EBC) is a financial company listed in the US with a market value of about $5.1B. In the twelve months to September 30, 2026 it had revenue of $1.2B and net income of $381M, a net margin of 32.1%.
Its overall Stock Analiz score is 2.8 out of 5 (average). The strongest part is value (4/5); the weakest is future growth (1/5).
Key numbers: a P/E of 12.9, a price to free cash flow of 12.4, 5-year revenue growth of 5% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 41% below the current price.
Score: 2.8 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- PEG below 1.5
- 3-year free cash flow growth above 10% a year
- 5-year EPS growth above 10% a year
- Profitable 5 years in a row
- More cash than debt, or low debt to equity
Checks not passed
- Price below intrinsic value (DCF, moderate assumptions)
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Profit margin improving
- Strong R&D investment or growth above 20%
- 5-year revenue growth above 8% a year
- 5-year average ROIC above 12%
- ROE above 15%
Valuation
Growth and quality
Financials, last 8 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.2B | $723M | $732M | $313M | $645M | $527M | $580M | $594M | $571M |
| Net income | $381M | $88M | $120M | $232M | $200M | $155M | $23M | $135M | $123M |
| Free cash flow | $416M | $413M | $270M | $254M | $221M | $169M | $65M | $189M | $196M |
| EPS (diluted) | $1.77 | $0.43 | $0.66 | $1.43 | $1.21 | $0.90 | $0.13 | $0.00 | $0.00 |
| Net margin | 32.1% | 12.2% | 16.3% | 74.3% | 31.0% | 29.3% | 3.9% | 22.8% | 21.5% |
| ROIC | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 8 analysts is $25.50, 11% above the current price; targets range from $23.00 to $28.00; the consensus rating is “Buy”; expected EPS is $1.90 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Eastern Bankshares’s P/E ratio?
About 12.9, based on the last twelve months of diluted earnings per share (forward P/E about 11.0).
Is Eastern Bankshares stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 41% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Eastern Bankshares pay a dividend?
Yes. The dividend yield is about 2.62%, and it has paid dividends for 5 years in our data.
Is Eastern Bankshares a good stock to buy?
We do not give buy or sell advice. Eastern Bankshares scores 2.8 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.