EBC

Eastern Bankshares, Inc.

Financial Services · USD

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22.39 USD -0.25 -1.10%
As of Oct 30, 2026 Extended hours 22.39 0.00%
Bid
22.39 × 2
Ask
22.40 × 2
22.33 Day range 22.90
16.94 52-week range 23.65
YTD
+21.49%
1 year
+28.60%
Open
22.78
Prev close
22.64
Mkt cap
5.12B
Vol
1.72M
Avg vol
2.21M
EPS
1.77
P/E
12.65
Div yield
2.65%
More statistics
Low
22.33
High
22.90
Forward P/E
10.42
Beta
0.70
Short ratio
7.67
Inst. own
93.18%
Dividend
0.60
Ex-div date
Dec 6, 2026
Earnings
Jan 28, 2027
50-d avg
21.69
200-d avg
21.04
1y target
25.38

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Financial health

Altman Z-Score

-0.49 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 4
  • Return on Equity 3
  • Return on Assets 3
  • Debt / Equity 4
  • P/E 3
  • P/B 3

Valuation

P/E 46.1×
FY 2018: 20.9×FY 2019: 19.0×FY 2020: 125×FY 2021: 22.4×FY 2022: 14.3×FY 2023: 9.9×FY 2024: 26.1×FY 2025: 46.1×
FY 2018 5y median 22.4× FY 2025
P/S 3.8×
FY 2018: 4.3×FY 2019: 4.1×FY 2020: 4.8×FY 2021: 6.6×FY 2022: 4.2×FY 2023: 4.1×FY 2024: 2.9×FY 2025: 3.8×
FY 2018 5y median 4.1× FY 2025
P/B 0.9×
FY 2018: 1.8×FY 2019: 1.6×FY 2020: 0.8×FY 2021: 1.0×FY 2022: 1.2×FY 2023: 0.8×FY 2024: 0.9×FY 2025: 0.9×
FY 2018 5y median 0.9× FY 2025
P/FCF 9.6×
FY 2018: 13.0×FY 2019: 13.5×FY 2020: 43.3×FY 2021: 20.6×FY 2022: 12.9×FY 2023: 9.1×FY 2024: 11.6×FY 2025: 9.6×
FY 2018 5y median 11.6× FY 2025
EV/EBITDA 23.6×
FY 2018: 14.7×FY 2019: 12.5×FY 2020: 12.2×FY 2021: 11.4×FY 2022: 13.0×FY 2023: -16.1×FY 2024: 11.1×FY 2025: 23.6×
FY 2018 5y median 11.4× FY 2025
EV/Sales 3.6×
FY 2018: 4.4×FY 2019: 3.9×FY 2020: 1.3×FY 2021: 4.3×FY 2022: 5.0×FY 2023: 3.0×FY 2024: 2.0×FY 2025: 3.6×
FY 2018 5y median 3.6× FY 2025
FCF Yield 10.4%
FY 2018: 7.7%FY 2019: 7.4%FY 2020: 2.3%FY 2021: 4.9%FY 2022: 7.8%FY 2023: 11.0%FY 2024: 8.7%FY 2025: 10.4%
FY 2018 5y median 8.7% FY 2025

Profitability

Gross Margin 65.8%
FY 2018: 93.2%FY 2019: 93.6%FY 2020: 91.3%FY 2021: 100.8%FY 2022: 91.9%FY 2023: 52.4%FY 2024: 62.0%FY 2025: 65.8%
FY 2018 5y median 65.8% FY 2025
Operating Margin 9.4%
FY 2018: 26.6%FY 2019: 28.0%FY 2020: 6.2%FY 2021: 33.6%FY 2022: 34.9%FY 2023: -22.6%FY 2024: 14.5%FY 2025: 9.4%
FY 2018 5y median 14.5% FY 2025
Net Margin 8.3%
FY 2018: 20.7%FY 2019: 21.7%FY 2020: 3.9%FY 2021: 29.5%FY 2022: 29.3%FY 2023: 41.6%FY 2024: 11.2%FY 2025: 8.3%
FY 2018 5y median 29.3% FY 2025
ROE 2.0%
FY 2018: 8.6%FY 2019: 8.4%FY 2020: 0.7%FY 2021: 4.5%FY 2022: 8.1%FY 2023: 7.8%FY 2024: 3.3%FY 2025: 2.0%
FY 2018 5y median 4.5% FY 2025
ROIC 1.7%
FY 2018: 6.2%FY 2019: 6.5%FY 2020: 0.6%FY 2021: 3.7%FY 2022: 5.1%FY 2023: -1.8%FY 2024: 2.8%FY 2025: 1.7%
FY 2018 5y median 2.8% FY 2025
ROA 0.3%
FY 2018: 1.1%FY 2019: 1.2%FY 2020: 0.1%FY 2021: 0.7%FY 2022: 0.9%FY 2023: 1.1%FY 2024: 0.5%FY 2025: 0.3%
FY 2018 5y median 0.7% FY 2025

Growth (YoY)

Revenue -1.2%
FY 2018: 0.0%FY 2019: 5.2%FY 2020: -6.5%FY 2021: -10.1%FY 2022: 30.3%FY 2023: -18.1%FY 2024: 91.6%FY 2025: -1.2%
FY 2018 FY 2025
Operating Income -36.1%
FY 2018: 0.0%FY 2019: 10.8%FY 2020: -79.4%FY 2021: 390.2%FY 2022: 35.4%FY 2023: -152.9%FY 2024: 223.6%FY 2025: -36.1%
FY 2018 FY 2025
EPS (diluted) -39.4%
FY 2018: 0.0%FY 2019: 10.3%FY 2020: -79.7%FY 2021: 592.3%FY 2022: 34.4%FY 2023: 18.2%FY 2024: -53.8%FY 2025: -39.4%
FY 2018 FY 2025
Free Cash Flow 52.8%
FY 2018: 0.0%FY 2019: -3.5%FY 2020: -65.8%FY 2021: 160.8%FY 2022: 31.1%FY 2023: 14.6%FY 2024: 6.6%FY 2025: 52.8%
FY 2018 FY 2025

Financial Health

Current Ratio 0.0×
FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.4×FY 2021: 0.5×FY 2022: 0.4×FY 2023: 0.3×FY 2024: 0.2×FY 2025: 0.0×
FY 2018 5y median 0.3× FY 2025
Quick Ratio 0.0×
FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.4×FY 2021: 0.5×FY 2022: 0.4×FY 2023: 0.3×FY 2024: 0.2×FY 2025: 0.0×
FY 2018 5y median 0.3× FY 2025
Debt / Equity 0.0×
FY 2018: 0.2×FY 2019: 0.1×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.3×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2018 5y median 0.0× FY 2025
Net Debt / EBITDA -0.7×
FY 2018: 0.3×FY 2019: -0.7×FY 2020: -31.8×FY 2021: -6.0×FY 2022: 2.1×FY 2023: 6.4×FY 2024: -5.0×FY 2025: -0.7×
FY 2018 5y median -0.7× FY 2025
Interest Coverage 0.3×
FY 2018: 6.3×FY 2019: 5.2×FY 2020: 3.0×FY 2021: 33.0×FY 2022: 6.4×FY 2023: -0.5×FY 2024: 0.5×FY 2025: 0.3×
FY 2018 5y median 0.5× FY 2025

Dividends

Dividend Yield 2.7%
FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 1.5%FY 2022: 2.3%FY 2023: 2.9%FY 2024: 2.6%FY 2025: 2.7%
FY 2018 5y median 2.6% FY 2025
Payout Ratio 119.8%
FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 33.3%FY 2022: 33.0%FY 2023: 28.7%FY 2024: 69.0%FY 2025: 119.8%
FY 2018 5y median 33.3% FY 2025

Annual · latest fiscal year ends 2025-12-31