Eastern Bankshares (EBC) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Eastern Bankshares

NasdaqGS•Financial Services•Banks - Regional

$21.59-0.27(-0.01%)Pre-market

Market Cap

$4.71B

P/E

12.5x

P/S

3.1x

P/B

1.1x

Eastern Bankshares, Inc. operates as the bank holding company for Eastern Bank that provides banking, trust, and investment services to retail, commercial, and small business customers in the United States. The company offers deposit accounts, interest checking accounts, money market accounts, savings accounts, and time certificates of deposit accounts. It also provides commercial and industrial products, such as asset based lending portfolio; commercial real estate and construction; small business, residential real estate, and home equity loans; lines of credit; and 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 offers wealth management and trust services, financial planning, and portfolio management; and automated lock box collection, cash management, and account reconciliation services. Eastern Bankshares, Inc. was founded in 1818 and is headquartered in Boston, Massachusetts.

How this company scores

GoodMetricSide Score: 74/100

Strongest: Cash & Earnings Quality (22/25); weakest: Balance Sheet & Red Flags (10/25).

Profitability21/25

Growth21/25

Balance Sheet & Red Flags10/25

Cash & Earnings Quality22/25

Strengths

Growing revenueStrong marginsRising earningsLow leverage

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 12.5x5y range 5.8x – 72.9x

Currently near its 15-quarter median.

P/S · 3.1x5y range 2.9x – 5.2x

Currently near its 20-quarter median.

P/B · 1.1x5y range 0.8x – 1.1x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

The company posted negative operating margins in recent quarters — core operations are unprofitable.

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.

Price & Volume

Market Cap $4.71B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $1.50B
Q. Revenue: $407.50M
TTM EBITDA: $482.16M
TTM Op. Income: $426.28M
Q. Op. Income: $141.57M
TTM Net Income: $376.13M
Q. Net Income: $105.21M
EPS: $0.48
Shares Out.: $218.27M

$1.50B in TTM revenue grew 56.0% YoY, reaching $407.50M last quarter. TTM EBITDA of $482.16M and TTM operating income of $426.28M show growth is flowing through to the bottom line. TTM net income of $376.13M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 5 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 76.0%
EBITDA Margin: 37.6%
Op. Margin: 34.7%
Net Margin: 25.8%

Op. margin of 34.7% is up 1.2% YoY — cost efficiency is improving. Net margin at 25.8% and gross margin of 76.0% show how much of each revenue dollar survives to profit. Over the past year, operating margin is up 4% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 12.5x
P/S Ratio: 3.1x
P/B Ratio: 1.1x

At 12.5x P/E, the stock trades below typical market levels. P/S of 3.1x and P/B of 1.1x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is down 52% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $31.14B
Cash: $175.55M
Long-Term Debt: $364.41M
Book Value: $4.28B
D/E Ratio: 0.1
Debt/EBITDA: 2.4

With $31.14B in assets and $364.41M in long-term debt, D/E is 0.1and book value is $4.28B — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is up 1070% — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $154.60M
TTM Free Cash Flow: $385.40M
FCF Margin: 25.7%
FCF / Net Income: 1.0

TTM FCF of $385.40M on $154.60M in operating cash flow. The FCF / Net Income ratio of 1.0x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 9% — an improving trend.