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Upturn AI Summary - About
Eastern Bankshares Inc(EBC)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for EBC
10/23/2026: EBC (2-star) is currently NOT-A-BUY. Pass it for now.
Eastern Bankshares Inc is a long-standing regional bank primarily serving Massachusetts and New Hampshire. The company is known for its strong community relationships and diversified revenue, which includes banking, insurance, and wealth management services. Its primary growth story revolves around digital transformation and strategic local market consolidation. Investors should monitor risks such as geographic concentration, interest rate sensitivity, and intense competition from larger national players. The stock may best suit value and dividend-focused investors seeking exposure to a stable, historically resilient regional banking institution that maintains a solid capital base.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is largely tied to regional economic trends rather than rapid expansion. |
| Momentum investor | Weak fit | The stock typically exhibits lower volatility and tends to trade based on fundamental regional banking cycles. |
| Value investor | Strong fit | The company often trades at reasonable valuation multiples typical of solid, stable regional banks. |
| Dividend investor | Strong fit | Eastern Bankshares provides consistent dividend payments, making it suitable for income-focused portfolios. |
| Low-risk investor | Strong fit | Its long history and conservative community banking model appeal to investors seeking stability. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Regional bank stocks can be volatile during periods of economic uncertainty. |
| Valuation risk | Low | Current valuations generally reflect stable fundamental performance. |
| Competition risk (Banking) | Medium / high | Intense competition for deposits from national and local players puts pressure on margins. |
| Business quality | Strong | The company possesses a strong regional franchise and stable operating history. |
| Dividend income | Medium | Dividends are dependent on sustained profitability and regulatory capital requirements. |
| Execution risk | Medium | Integrating acquisitions and managing digital transformation require ongoing management focus. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -1.19% | Avg. Invested days 40 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/23/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.12B USD | Price to earnings Ratio 12.66 | 1Y Target Price 25.12 |
Price to earnings Ratio 12.66 | 1Y Target Price 25.12 | ||
Volume (30-day avg) 2.5M shares | Beta 0.7 | 52 Weeks Range 16.16 - 23.61 | Updated Date 10/25/2026 |
52 Weeks Range 16.16 - 23.61 | Updated Date 10/25/2026 | ||
Dividends yield (FY) 2.53% | Basic EPS (TTM) 1.77 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and consumer loans minus interest paid on deposits. | This is the primary way the bank makes money by lending funds at higher rates than it pays to depositors. |
| Fee-Based Income | Wealth management, insurance commissions, and service charges. | These non-interest revenues provide a steady, less rate-sensitive income stream for the bank. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-22 | When After Market | Estimate 0.49 | Actual 0.51 |
Profitability
Profit Margin 32.75% | Operating Margin (TTM) 52.19% |
Management Effectiveness
Return on Assets (TTM) 1.33% | Return on Equity (TTM) 9.52% |
Valuation
Trailing PE 12.66 | Forward PE 9.97 | Enterprise Value 5.19B | Price to Sales(TTM) 4.4 |
Enterprise Value 5.19B | Price to Sales(TTM) 4.4 | ||
Enterprise Value to Revenue 4.77 | Enterprise Value to EBITDA - | Shares Outstanding 228.51M | Shares Floating 198.19M |
Shares Outstanding 228.51M | Shares Floating 198.19M | ||
Percent Insiders 1.26 | Percent Institutions 92.25 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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