EASTERN BANKSHARES INC(NASDAQ:EBC) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to EBC. EBC was compared to 405 industry peers in the Banks industry. EBC has only an average score on both its financial health and profitability. EBC has a correct valuation and a medium growth rate.

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1. Profitability

1.1 Basic Checks

In the past year EBC was profitable.

EBC had a positive operating cash flow in the past year.

EBC had positive earnings in each of the past 5 years.

EBC had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

EBC's Return On Assets of 1.48% is amongst the best of the industry. EBC outperforms 89.72% of its industry peers.

With a decent Return On Equity value of 10.28%, EBC is doing good in the industry, outperforming 74.69% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.48%
ROE	10.28%
ROIC	N/A

ROA(3y)0.82%

ROA(5y)0.65%

ROE(3y)6.4%

ROE(5y)4.88%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 55.89%, EBC belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.

EBC's Profit Margin has declined in the last couple of years.

The Operating Margin and Gross Margin are not available for EBC so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	55.89%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-13.01%

PM growth 5Y-6.41%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

EBC does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, EBC has more shares outstanding

The number of shares outstanding for EBC has been increased compared to 5 years ago.

There is no outstanding debt for EBC. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

2.2 Solvency

EBC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Altman-Z	N/A

ROIC/WACCN/A

WACC12.61%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

EBC shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -3.70%.

EBC shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.41% yearly.

The Revenue has grown by 133.90% in the past year. This is a very strong growth!

The Revenue has been growing slightly by 4.27% on average over the past years.

EPS 1Y (TTM)-3.7%

EPS 3Y2.35%

EPS 5Y-0.41%

EPS Q2Q%240%

Revenue 1Y (TTM)133.9%

Revenue growth 3Y5.5%

Revenue growth 5Y4.27%

Sales Q2Q%34.42%

3.2 Future

The Earnings Per Share is expected to grow by 29.03% on average over the next years. This is a very strong growth

Based on estimates for the next years, EBC will show a very strong growth in Revenue. The Revenue will grow by 21.38% on average per year.

EPS Next Y44.51%

EPS Next 2Y29.03%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year37.65%

Revenue Next 2Y21.38%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 17.06, EBC is valued on the expensive side.

72.43% of the companies in the same industry are cheaper than EBC, based on the Price/Earnings ratio.

Compared to an average S&P500 Price/Earnings ratio of 29.62, EBC is valued a bit cheaper.

EBC is valuated reasonably with a Price/Forward Earnings ratio of 11.80.

Compared to the rest of the industry, the Price/Forward Earnings ratio of EBC is on the same level as its industry peers.

When comparing the Price/Forward Earnings ratio of EBC to the average of the S&P500 Index (22.70), we can say EBC is valued slightly cheaper.

		Industry Rank	Sector Rank
PE	17.06
Fwd PE	11.8

4.2 Price Multiples

EBC's Price/Free Cash Flow ratio is in line with the industry average.

		Industry Rank	Sector Rank
P/FCF	16.09
EV/EBITDA	N/A

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

EBC's earnings are expected to grow with 29.03% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.38

PEG (5Y)N/A

EPS Next 2Y29.03%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

EBC has a Yearly Dividend Yield of 2.62%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 3.19, EBC has a dividend in line with its industry peers.

EBC's Dividend Yield is comparable with the S&P500 average which is at 2.27.

		Industry Rank	Sector Rank
Dividend Yield	2.62%

5.2 History

EBC has been paying a dividend for over 5 years, so it has already some track record.

EBC has not decreased its dividend in the last 3 years.

Dividend Growth(5Y)N/A

Div Incr Years3

Div Non Decr Years3

5.3 Sustainability

EBC pays out 20.21% of its income as dividend. This is a sustainable payout ratio.

DP20.21%

EPS Next 2Y29.03%

EPS Next 3YN/A

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EASTERN BANKSHARES INC

NASDAQ:EBC (2/21/2025, 8:14:55 PM)

After market: 17.74 0 (0%)

17.74

-0.55 (-3.01%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-23 2025-01-23/amc

Earnings (Next)04-23 2025-04-23/amc

Inst Owners76.79%

Inst Owner Change-67.98%

Ins Owners0.84%

Ins Owner Change-1.46%

Market Cap3.79B

Analysts77.5

Price Target21.68 (22.21%)

Short Float %2.01%

Short Ratio4.48

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.62%

Yearly Dividend0.38

Dividend Growth(5Y)N/A

DP20.21%

Div Incr Years3

Div Non Decr Years3

Ex-Date03-04 2025-03-04 (0.12)

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-12.82%

Min EPS beat(2)-25.33%

Max EPS beat(2)-0.31%

EPS beat(4)1

Avg EPS beat(4)-15.65%

Min EPS beat(4)-50.8%

Max EPS beat(4)13.86%

EPS beat(8)3

Avg EPS beat(8)-5.96%

EPS beat(12)6

Avg EPS beat(12)-2.09%

EPS beat(16)10

Avg EPS beat(16)1.79%

Revenue beat(2)0

Avg Revenue beat(2)-6.22%

Min Revenue beat(2)-7.74%

Max Revenue beat(2)-4.71%

Revenue beat(4)1

Avg Revenue beat(4)-3.84%

Min Revenue beat(4)-7.74%

Max Revenue beat(4)1.75%

Revenue beat(8)3

Avg Revenue beat(8)-1.28%

Revenue beat(12)6

Avg Revenue beat(12)5.93%

Revenue beat(16)10

Avg Revenue beat(16)15.63%

PT rev (1m)8.97%

PT rev (3m)14.86%

EPS NQ rev (1m)0.34%

EPS NQ rev (3m)0.34%

EPS NY rev (1m)14.07%

EPS NY rev (3m)14.07%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)10.94%

Revenue NY rev (3m)10.94%

Valuation

		Industry Rank	Sector Rank
PE	17.06
Fwd PE	11.8
P/S	5.62
P/FCF	16.09
P/OCF	15.31
P/B	1.03
P/tB	1.45
EV/EBITDA	N/A

EPS(TTM)1.04

EY5.86%

EPS(NY)1.5

Fwd EY8.47%

FCF(TTM)1.1

FCFY6.21%

OCF(TTM)1.16

OCFY6.53%

SpS3.16

BVpS17.16

TBVpS12.22

PEG (NY)0.38

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	1.48%
ROE	10.28%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	55.89%
GM	N/A
FCFM	34.94%

ROA(3y)0.82%

ROA(5y)0.65%

ROE(3y)6.4%

ROE(5y)4.88%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-13.01%

PM growth 5Y-6.41%

GM growth 3YN/A

GM growth 5YN/A

F-Score8

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Debt/EBITDA	N/A
Cap/Depr	42.41%
Cap/Sales	1.79%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	62.51%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACC12.61%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-3.7%

EPS 3Y2.35%

EPS 5Y-0.41%

EPS Q2Q%240%

EPS Next Y44.51%

EPS Next 2Y29.03%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)133.9%

Revenue growth 3Y5.5%

Revenue growth 5Y4.27%

Sales Q2Q%34.42%

Revenue Next Year37.65%

Revenue Next 2Y21.38%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y14.59%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y16.77%

OCF growth 3YN/A

OCF growth 5YN/A

EASTERN BANKSHARES INC (EBC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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