Eastern Bankshares Inc
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Eastern Bankshares Inc AI Insights
Informational only. Not investment advice.Snapshot
- P/E of 75.9x vs industry median 12.0x - trading at 6.3x premium despite below-median ROE of 1.3% TTM[P/E Ratio]
- Goodwill of 915M is 24% of total assets and 33% of equity - acquisition-heavy model creates impairment risk[Goodwill]
- FCF of 397M TTM vs net income of 49M - massive gap signals non-cash charges or working capital release[Free Cash Flow]
Watch Triggers
- Net Interest Margin: Interest income exceeds interest expense — Positive spread would signal core banking profitability restored
- ROE TTM: Rises above 5% — Would indicate earnings normalization thesis playing out
- Goodwill: Impairment charge announced — 915M goodwill at risk if acquired assets underperform
Bull Case
FCF yield of 10% (397M/3.9B market cap) with near-zero debt (0.7% D/E) provides capital return optionality and M&A firepower
Trading at 1.0x tangible book (2.8B) with 5Y revenue growth 10.6% vs industry 5.7% - growth at value price
Bear Case
ROE 1.3% and ROA 0.2% TTM are deeply below industry medians (1.7%, 1.5%) - capital destruction territory
Net margin 7.6% TTM while interest expense 328M exceeds interest income 283M - negative spread unsustainable
Bull vs Bear Balance
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Forward Thesis
Earnings normalization likely as 8x FCF-to-NI gap closes, driving P/E compression or EPS recovery
- FCF 397M vs NI 49M suggests temporary earnings depression
- 5Y EPS growth 30% shows historical earnings power
- Interest expense 328M may decline if rates ease
Valuation Context
Caveats
Public Strategies Rankings
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EBC Fundamentals
| Metric | Value | YoY Growth | Industry Percentile |
|---|---|---|---|
$4.22B | — | ||
$4.1B | — | ||
45 | — | ||
$721.8M | -1.3% | — | |
$0.43 | -34.8% | — | |
0% | — | ||
12.2% | -4.1% | — | |
$412.99M | +52.8% | — | |
2.22% | -1.4% | — | |
Beta 5Y (Monthly) | unknown | — |
EBC Dividend History
2026
$0.13002025
$0.51002024
$0.45002023
$0.41002022
$0.40002021
$0.3000EBC Stock Splits
EBC SEC Filings
| Filing Date | Report Date | Report Type | Filing Link |
|---|---|---|---|
03/02/26 | 12/31/25 | 10-K | |
11/06/25 | 09/30/25 | 10-Q | |
08/08/25 | 06/30/25 | 10-Q | |
05/08/25 | 03/31/25 | 10-Q | |
02/27/25 | 12/31/24 | 10-K | |
11/07/24 | 09/30/24 | 10-Q | |
08/07/24 | 06/30/24 | 10-Q | |
05/03/24 | 03/31/24 | 10-Q | |
02/26/24 | 12/31/23 | 10-K | |
11/03/23 | 09/30/23 | 10-Q | |
08/03/23 | 06/30/23 | 10-Q | |
05/08/23 | 03/31/23 | 10-Q | |
02/24/23 | 12/31/22 | 10-K | |
11/04/22 | 09/30/22 | 10-Q | |
08/05/22 | 06/30/22 | 10-Q | |
05/10/22 | 03/31/22 | 10-Q | |
02/25/22 | 12/31/21 | 10-K | |
11/10/21 | 09/30/21 | 10-Q | |
08/13/21 | 06/30/21 | 10-Q | |
05/14/21 | 03/31/21 | 10-Q | |
03/29/21 | 12/31/20 | 10-K | |
11/16/20 | 09/30/20 | 10-Q | |
09/24/20 | 06/30/20 | 10-Q | |
08/18/20 | 03/31/20 | 424B3 | |
08/18/20 | 12/31/19 | 424B3 | |
11/16/20 | 09/30/19 | 10-Q | |
09/24/20 | 06/30/19 | 10-Q | |
08/18/20 | 03/31/19 | 424B3 |