19.65 USD
-0.08 (-0.41%)
19.65 USD
0 (0%)
Overall EBC gets a fundamental rating of 4 out of 10. We evaluated EBC against 386 industry peers in the Banks industry. While EBC seems to be doing ok healthwise, there are quite some concerns on its profitability. EBC is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year EBC was profitable.
In the past year EBC had a positive cash flow from operations.
In the past 5 years EBC has always been profitable.
In the past 5 years EBC always reported a positive cash flow from operatings.
1.2 Ratios
With a Return On Assets value of 0.19%, EBC is not doing good in the industry: 87.31% of the companies in the same industry are doing better.
EBC's Return On Equity of 1.30% is on the low side compared to the rest of the industry. EBC is outperformed by 88.34% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.19% | ||
| ROE | 1.3% | ||
| 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
With a Profit Margin value of 7.55%, EBC is not doing good in the industry: 87.05% of the companies in the same industry are doing better.
EBC's Profit Margin has declined in the last couple of years.
EBC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 7.55% | ||
| 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
2. Health
2.1 Basic Checks
EBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for EBC has been increased compared to 1 year ago.
EBC has more shares outstanding than it did 5 years ago.
EBC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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
WACC13.96%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 82.50% over the past year.
Measured over the past years, EBC shows a decrease in Earnings Per Share. The EPS has been decreasing by -0.41% on average per year.
The Revenue has decreased by -2.86% in the past year.
Measured over the past years, EBC shows a small growth in Revenue. The Revenue has been growing by 4.27% on average per year.
EPS 1Y (TTM)82.5%
EPS 3Y2.35%
EPS 5Y-0.41%
EPS Q2Q%48%
Revenue 1Y (TTM)-2.86%
Revenue growth 3Y5.5%
Revenue growth 5Y4.27%
Sales Q2Q%17.87%
3.2 Future
EBC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 27.57% yearly.
EBC is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 22.05% yearly.
EPS Next Y49.24%
EPS Next 2Y36.7%
EPS Next 3Y27.57%
EPS Next 5YN/A
Revenue Next Year38.07%
Revenue Next 2Y31.34%
Revenue Next 3Y22.05%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 13.46, the valuation of EBC can be described as correct.
Compared to the rest of the industry, the Price/Earnings ratio of EBC is on the same level as its industry peers.
When comparing the Price/Earnings ratio of EBC to the average of the S&P500 Index (26.54), we can say EBC is valued slightly cheaper.
EBC is valuated reasonably with a Price/Forward Earnings ratio of 10.11.
Compared to the rest of the industry, the Price/Forward Earnings ratio of EBC indicates a somewhat cheap valuation: EBC is cheaper than 60.10% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of EBC to the average of the S&P500 Index (23.78), we can say EBC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.46 | ||
| Fwd PE | 10.11 |
4.2 Price Multiples
EBC's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.81 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
EBC's 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 27.57% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.27
PEG (5Y)N/A
EPS Next 2Y36.7%
EPS Next 3Y27.57%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.64%, EBC has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.87, EBC has a dividend in line with its industry peers.
EBC's Dividend Yield is a higher than the S&P500 average which is at 1.96.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.64% |
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
203.09% of the earnings are spent on dividend by EBC. This is not a sustainable payout ratio.
DP203.09%
EPS Next 2Y36.7%
EPS Next 3Y27.57%
19.65
-0.08 (-0.41%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners72.01%
Inst Owner Change5.78%
Ins Owners1.02%
Ins Owner Change5.62%
Market Cap4.69B
Revenue(TTM)655.70M
Net Income(TTM)49.48M
Analysts80
Price Target22.19 (12.93%)
Short Float %3.17%
Short Ratio2.35
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.64% |
Yearly Dividend0.42
Dividend Growth(5Y)N/A
DP203.09%
Div Incr Years3
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.8%
Min EPS beat(2)-8.07%
Max EPS beat(2)6.48%
EPS beat(4)3
Avg EPS beat(4)3.85%
Min EPS beat(4)-8.07%
Max EPS beat(4)14.11%
EPS beat(8)4
Avg EPS beat(8)-5.9%
EPS beat(12)6
Avg EPS beat(12)-2.69%
EPS beat(16)9
Avg EPS beat(16)-0.61%
Revenue beat(2)0
Avg Revenue beat(2)-2.58%
Min Revenue beat(2)-4.16%
Max Revenue beat(2)-1.01%
Revenue beat(4)1
Avg Revenue beat(4)-2.33%
Min Revenue beat(4)-4.62%
Max Revenue beat(4)0.48%
Revenue beat(8)2
Avg Revenue beat(8)-3.09%
Revenue beat(12)4
Avg Revenue beat(12)-1.63%
Revenue beat(16)7
Avg Revenue beat(16)3.86%
PT rev (1m)-1.14%
PT rev (3m)11.54%
EPS NQ rev (1m)0%
EPS NQ rev (3m)5.27%
EPS NY rev (1m)-0.58%
EPS NY rev (3m)-2.13%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)6.99%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.52%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.46 | ||
| Fwd PE | 10.11 | ||
| P/S | 7.15 | ||
| P/FCF | 11.81 | ||
| P/OCF | 11.23 | ||
| P/B | 1.23 | ||
| P/tB | 1.69 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.46
EY7.43%
EPS(NY)1.94
Fwd EY9.89%
FCF(TTM)1.66
FCFY8.46%
OCF(TTM)1.75
OCFY8.9%
SpS2.75
BVpS15.96
TBVpS11.65
PEG (NY)0.27
PEG (5Y)N/A
Graham Number22.9
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.19% | ||
| ROE | 1.3% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 7.55% | ||
| GM | N/A | ||
| FCFM | 60.49% |
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
ROICexgc growth 3YN/A
ROICexgc 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-Score6
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 60.02% | ||
| Cap/Sales | 3.12% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 801.52% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC13.96%
ROIC/WACCN/A
Cap/Depr(3y)57.88%
Cap/Depr(5y)49.04%
Cap/Sales(3y)1.87%
Cap/Sales(5y)1.48%
Profit Quality(3y)148.68%
Profit Quality(5y)168.12%
High Growth Momentum
Growth
EPS 1Y (TTM)82.5%
EPS 3Y2.35%
EPS 5Y-0.41%
EPS Q2Q%48%
EPS Next Y49.24%
EPS Next 2Y36.7%
EPS Next 3Y27.57%
EPS Next 5YN/A
Revenue 1Y (TTM)-2.86%
Revenue growth 3Y5.5%
Revenue growth 5Y4.27%
Sales Q2Q%17.87%
Revenue Next Year38.07%
Revenue Next 2Y31.34%
Revenue Next 3Y22.05%
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 1Y92.71%
FCF growth 3Y16.99%
FCF growth 5Y7.42%
OCF growth 1Y96.45%
OCF growth 3Y17.6%
OCF growth 5Y7.66%
EASTERN BANKSHARES INC / EBC FAQ
What is the fundamental rating for EBC stock?
ChartMill assigns a fundamental rating of 4 / 10 to EBC.
Can you provide the valuation status for EASTERN BANKSHARES INC?
ChartMill assigns a valuation rating of 5 / 10 to EASTERN BANKSHARES INC (EBC). This can be considered as Fairly Valued.
What is the profitability of EBC stock?
EASTERN BANKSHARES INC (EBC) has a profitability rating of 2 / 10.
What are the PE and PB ratios of EASTERN BANKSHARES INC (EBC) stock?
The Price/Earnings (PE) ratio for EASTERN BANKSHARES INC (EBC) is 13.46 and the Price/Book (PB) ratio is 1.23.
What is the expected EPS growth for EASTERN BANKSHARES INC (EBC) stock?
The Earnings per Share (EPS) of EASTERN BANKSHARES INC (EBC) is expected to grow by 49.24% in the next year.