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UPDATED: Nov 10, 2025

Stock Analysis

EBC Logo
$17.55
$0.05 |0.29%
Day Range:
$17.14 - $17.65
Market Cap:
3.95B
P/E Ratio:
67.5000
Avg Value:
$16.45
Year Range:
$13.51 - $19.40
1
General Information
Eastern Bankshares Inc is a commercial bank that caters its products and services to retail, commercial, and small business customers.

Its diversified products and services include lending, deposit, wealth management, and insurance products. The company has one operating segment; Banking business which offers a range of banking lending, savings, and small business offerings, and its wealth management and trust operations.

2
Eastern Bankshares (EBC) Stock Graph
3
How We Grade Eastern Bankshares (EBC)

We grade stocks based on past performance, their future growth potential, intrinsic value, dividend history, and overall financial health.

The chart below shows how we grade Eastern Bankshares (EBC) across the board compared to its closest peers.

4
Benzinga Edge Rankings

Benzinga Edge stock rankings give you four critical scores to help you identify the strongest and weakest stocks to buy and sell.

21.42

Growth measures a stock's combined historical expansion in earnings and revenue across multiple time periods, with emphasis on both long-term trends and recent performance.

Momentum measures a stock's relative strength based on its price movement patterns and volatility over multiple timeframes, ranked as a percentile against other stocks.

48.42

Quality is a composite ranking that evaluates a company's operational efficiency and financial health by analyzing historical profitability metrics and fundamental strength indicators on a percentile basis relative to peers.

Stock Score Locked: Want to See it?
Benzinga Rankings give you vital metrics on any stock – anytime.
5
Valuation

Earnings History (3 years)

It is important to look at a companies earnings history to see not only if they are profitable, but if their earnings are growing.
As you can see from the chart above, EBC's earnings have decreased for the past three years, this is a negative sign for the stock.
6
Dividend
There are few things we like to see when evaluating the quality of a company's dividend history and future

Ideally, we would like to see a company have a long history of consistently high dividend payouts that have grown at a consistent rate. From here we want to be confident that this sort of dividend growth and consistency will persist into the future.

The chart below shows the historical trend in Eastern Bankshares (EBC) dividend yield on an annual basis.

89.69%
Eastern Bankshares (EBC) saw a increase in it's dividend yield since 2020
7
Past Performance
How has Eastern Bankshares (EBC) performed over the past 5 years?

The two main factors that we consider when analyzing past performance is overall return and volatility

Using these two metrics, we can determine if this stock gave its investors enough return for the risk that they took on by owning it. This is measured by the sharpe ratio, which has been used as a primary measure of risk/reward trade-off for almost 60 years.

This ratio can be interpreted as the amount of return an investor has received for the amount of risk that they took on by owning the stock over that timeframe.

Eastern Bankshares (EBC) sharpe ratio over the past 5 years is 0.4588 which is considered to be above average compared to the peer average of 0.3894

8
Company Financials
INCOME STATEMENT
The income statement also known as the profit and loss statement, primarily focuses on the company's revenues and expenses during a particular period.

The main purpose of an income statement is to convey details of profitability and business activities. Below, is EBC's income statement for the previous four years along with its trailing-twelve- month profit & loss.

FISCAL YEAR (BIL.)
2021 ($)
2022 ($)
2023 ($)
2024 ($)
TTM ($)
Total Revenue
0.62
0.74
0.37
0.73
0.65
Operating Revenue
0.62
0.74
0.37
0.73
0.65
Cost Of Revenue
0.00
0.00
0.00
0.00
0.00
Gross Profit
0.00
0.00
0.00
0.00
0.00
Operating Expense
0.00
0.00
0.00
0.00
0.00
Selling General And Administration
0.31
0.31
0.32
0.32
0.35
Research and Development
0.00
0.00
0.00
0.00
0.00
Operating Income
0.00
0.00
0.00
0.00
0.00
Net Non-Operating Interest Income Expense
0.00
0.00
0.00
0.00
0.00
Other Income Expense
0.00
0.00
0.00
0.00
0.00
Other Non-Operating Income Expenses
0.00
-0.03
-0.02
-0.03
-0.02
Pre-Tax Income
0.19
0.26
-0.11
0.16
0.08
Tax Provision
0.03
0.06
-0.06
0.04
0.03
Net Income
0.15
0.20
0.23
0.12
0.05
Net Income Common Stockholders
0.15
0.20
0.23
0.12
0.05
Total Operating Income As Reported
0.00
0.00
0.00
0.00
0.00
Total Expenses
0.00
0.00
0.00
0.00
0.00
Net Income From Continuing And Discontinued Operation
0.15
0.20
0.23
0.12
0.05
Normalized Income
0.15
0.20
-0.05
0.12
0.05
Interest Income
0.44
0.61
0.80
0.95
1.10
Interest Expense
0.01
0.04
0.25
0.34
0.33
Net Interest Income
0.43
0.57
0.55
0.61
0.77
EBIT
0.00
0.00
0.00
0.00
0.00
EBITDA
0.00
0.00
0.00
0.00
0.00
Reconciled Cost Of Revenue
0.00
0.00
0.00
0.00
0.00
Reconciled Depreciation
0.03
0.03
0.02
0.04
0.06
Normalized EBITDA
0.00
0.00
0.00
0.00
0.00
Tax Rate For Calcs
0.00
0.00
0.00
0.00
0.21
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
0.00
BALANCE SHEET
The balance sheet is a snapshot of a companies financials during a particular period in time.

It breaks down what company owns (assets) and what a company owes (liabilities), in order to give investors an overview of its capital structure.

FISCAL YEAR (BIL.)
2021 ($)
2022 ($)
2023 ($)
2024 ($)
TTM ($)
Total Assets
23.51
22.65
21.13
25.56
25.46
Current Assets
0.00
0.00
0.00
0.00
0.00
Total Non-Current Assets
0.00
0.00
0.00
0.00
0.00
Total Liabilities Net Minority Interest
20.11
20.18
18.16
21.95
21.65
Current Liabilities
0.00
0.00
0.00
0.00
0.00
Other Non-Current Liabilities
0.00
0.00
0.00
0.00
0.00
Total Equity Gross Minority Interest
3.41
2.47
2.97
3.61
3.81
Stockholders Equity
0.00
0.00
0.00
0.00
0.00
Total Capitalization
3.44
2.51
3.01
3.65
3.83
Common Stock Equity
3.41
2.47
2.97
3.61
3.81
Net Tangible Assets
2.76
1.81
2.41
2.56
2.78
Working Capital
0.00
0.00
0.00
0.00
0.00
Invested Capital
3.44
3.20
3.01
3.66
3.83
Tangible Book Value
2.76
1.81
2.41
2.56
2.78
Total Debt
0.03
0.73
0.04
0.05
0.03
Net Debt
0.00
0.56
0.00
0.00
0.00
Share Issued
0.19
0.18
0.18
0.21
0.21
Ordinary Shares Number
0.19
0.18
0.16
0.20
0.20
CASH FLOW STATEMENTS
A companies statement of cash flows gives an investor a break down of the cash inflows and outflows from a companies operations and investment activities.
FISCAL YEAR (BIL.)
2021 ($)
2022 ($)
2023 ($)
2024 ($)
TTM ($)
Cash Flow from Continuing Operating Activities
0.17
0.23
0.39
0.28
0.42
Net Income from Continuing Operations
0.15
0.20
-0.06
0.12
0.05
Depreciation and Amortization
0.03
0.03
0.02
0.04
0.06
Deferred Tax
-0.01
0.01
-0.02
0.04
-0.01
Deferred Income Tax
-0.01
0.01
-0.02
0.04
-0.01
Stock-Based Compensation
0.01
0.02
0.02
0.03
0.03
Other Non-Cash Items
0.02
Change in Working Capital
0.04
-0.05
0.03
-0.01
0.04
Change in Receivables
Changes in Account Receivables
Change in Inventory
Change in Payables and Accrued Expense
Change in Payable
Change in Account Payable
Change in Other Current Assets
0.06
-0.01
-0.06
0.04
Change in Other Current Liabilities
-0.02
-0.05
0.04
0.06
Change in Other Working Capital
Cash Flow from Continuing Investing Activities
-1.99
-1.08
1.91
1.06
-0.60
Net PPE Purchase and Sale
-0.01
-0.01
-0.01
-0.01
-0.02
Net Business Purchase and Sale
-0.01
Purchase of Business
-0.01
Net Investment Purchase and Sale
-2.36
0.24
2.31
1.21
0.23
Purchase of Investment
-3.33
-1.25
-0.04
-0.27
-1.70
Sale of Investment
0.96
1.50
2.35
1.48
1.93
Net Other Investing Changes
0.03
0.01
0.04
0.04
0.02
Financing Cash Flow
0.99
-0.22
-2.14
-1.03
-0.30
Cash Flow from Continuing Financing Activities
0.99
-0.22
-2.14
-1.03
-0.30
Net Issuance Payments of Debt
-0.03
0.71
-0.69
-0.74
Net Long-Term Debt Issuance
-0.03
0.71
-0.69
-0.74
Long-Term Debt Issuance
0.71
Long-Term Debt Payments
Net Short-Term Debt Issuance
Net Common Stock Issuance
-0.02
-0.20
-0.07
Common Stock Issuance
Common Stock Payments
-0.02
-0.20
-0.07
Cash Dividends Paid
-0.05
-0.07
-0.07
-0.08
-0.10
Net Other Financing Charges
End Cash Position
5.91
1.53
4.31
3.39
2.34
Changes in Cash
-0.82
-1.06
0.52
0.31
-0.48
Beginning Cash Position
6.73
2.59
3.79
3.07
2.82
Capital Expenditure
-0.01
-0.01
-0.01
-0.01
-0.02
Issuance of Capital Stock
Issuance of Debt
0.71
Repayment of Debt
Repurchase of Capital Stock
-0.02
-0.20
-0.07
Free Cash Flow
0.17
0.22
0.25
0.27
0.40