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Upturn AI SWOT - About
EBC 
Eastern Bankshares Inc (EBC)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
08/28/2025: EBC (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
4 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $19.5
1 Year Target Price $19.5
| 1 | Strong Buy |
| 2 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 5.83% | Avg. Invested days 41 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.40B USD | Price to earnings Ratio - | 1Y Target Price 19.5 |
Price to earnings Ratio - | 1Y Target Price 19.5 | ||
Volume (30-day avg) 4 | Beta 0.94 | 52 Weeks Range 13.39 - 18.97 | Updated Date 08/29/2025 |
52 Weeks Range 13.39 - 18.97 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 2.86% | Basic EPS (TTM) -0.33 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -11.44% | Operating Margin (TTM) 49.34% |
Management Effectiveness
Return on Assets (TTM) -0.27% | Return on Equity (TTM) -1.89% |
Valuation
Trailing PE - | Forward PE 11.04 | Enterprise Value 2980679680 | Price to Sales(TTM) 6.19 |
Enterprise Value 2980679680 | Price to Sales(TTM) 6.19 | ||
Enterprise Value to Revenue 5.55 | Enterprise Value to EBITDA - | Shares Outstanding 198692992 | Shares Floating 180990835 |
Shares Outstanding 198692992 | Shares Floating 180990835 | ||
Percent Insiders 1.25 | Percent Institutions 77.65 |
Upturn AI SWOT
Eastern Bankshares Inc
Company Overview
History and Background
Eastern Bankshares, Inc. was founded in 1818 as Salem Savings Bank. It has grown through organic expansion and acquisitions, becoming a prominent regional bank in Massachusetts. In 2020, it completed its initial public offering (IPO).
Core Business Areas
- Commercial Banking: Provides a range of banking products and services to businesses, including commercial loans, deposit accounts, cash management, and international banking services.
- Retail Banking: Offers a variety of financial products and services to individuals, including checking and savings accounts, mortgages, personal loans, credit cards, and investment services.
- Wealth Management: Provides financial planning, investment management, and trust services to high-net-worth individuals and families.
- Insurance: Offers insurance products and services, including property and casualty insurance, to businesses and individuals.
Leadership and Structure
The leadership team includes Robert F. Rivers (CEO) and James B. Fitzgerald (CFO). The organizational structure consists of various departments and divisions responsible for different aspects of the bank's operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes, such as working capital, expansion, and equipment financing. Market share data specific to Eastern Bankshares is difficult to obtain, but it competes with larger national banks and regional players like Bank of America, Santander, and local credit unions.
- Mortgages: Offers mortgage loans to individuals for home purchases and refinancing. Market share information is not readily available. Competitors include national mortgage lenders like Rocket Mortgage and local banks.
- Deposit Accounts: Provides checking, savings, and money market accounts to individuals and businesses. Market share is regional and competes with national banks like Chase and local institutions.
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition, regulatory scrutiny, and technological disruption. Interest rate fluctuations and economic conditions significantly impact profitability.
Positioning
Eastern Bankshares Inc. is a regional bank focused primarily on the Massachusetts market. Its competitive advantages include a strong local presence, established customer relationships, and a focus on community banking.
Total Addressable Market (TAM)
The TAM for banking services in Massachusetts is estimated to be in the billions of dollars annually. Eastern Bankshares is positioned to capture a portion of this market through its regional focus and comprehensive service offerings.
Upturn SWOT Analysis
Strengths
- Strong regional presence in Massachusetts
- Established customer relationships
- Focus on community banking
- Diversified product and service offerings
- Experienced management team
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Reliance on interest rate environment
- Lower brand recognition outside of Massachusetts
- Potential higher operational costs
Opportunities
- Expansion into new markets within the New England region
- Increased adoption of digital banking technologies
- Acquisition of smaller community banks
- Growth in wealth management services
- Increase in government spending on community initiatives
Threats
- Increased competition from national banks and fintech companies
- Economic downturns impacting loan demand and credit quality
- Rising interest rates increasing borrowing costs
- Regulatory changes impacting banking operations
- Cybersecurity threats and data breaches
Competitors and Market Share
Key Competitors
- Bancorp (TBBK)
- Berkshire Hills Bancorp (BHLB)
- Cambridge Bancorp (CATC)
Competitive Landscape
Eastern Bankshares has a competitive advantage with deep roots in the Boston area. However, it faces competition from larger national and regional banks.
Growth Trajectory and Initiatives
Historical Growth: Eastern Bankshares has experienced steady growth in recent years, driven by organic expansion and acquisitions. Check filings for data.
Future Projections: Analyst estimates indicate continued growth for Eastern Bankshares, driven by its strong regional presence and diversified business model. Check filings for data.
Recent Initiatives: Recent initiatives include investments in digital banking technologies, expansion of wealth management services, and strategic acquisitions.
Summary
Eastern Bankshares has a solid regional presence and diversified services, driving stable growth. Intense competition and economic changes pose challenges. Strategic digital investment and further market expansion is critical for future success. The company should monitor these trends carefully to maintain competitiveness and enhance its profitability.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Eastern Bankshares Inc. Investor Relations
- SEC Filings
- Analyst Reports (where available)
- Industry Research Reports
- Company Press Releases
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance can change rapidly. Please consult with a qualified financial advisor before making any investment decisions. Financial data and analysis may be based on estimates and should be verified with official sources.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Eastern Bankshares Inc
Exchange NASDAQ | Headquaters Boston, MA, United States | ||
IPO Launch date 2020-10-15 | CEO & Director Mr. Denis K. Sheahan | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1998 | Website https://www.easternbank.com |
Full time employees 1998 | Website https://www.easternbank.com | ||
Eastern Bankshares, Inc. operates as the bank holding company for Eastern Bank that provides banking, trust, and investment services to retail, commercial, and small business customers. The company provides deposit accounts, interest checking accounts, money market accounts, savings accounts, and time certificates of deposit accounts. It also offers commercial and industrial, such as asset based lending portfolio; commercial real estate and construction; small business, residential real estate, and home equity loans; lines of credit; and other consumer loans comprising unsecured personal lines of credit, overdraft protection, automobile loans, home improvement loans, airplane loans, and other personal loans. In addition, the company provides wealth management and trust services, financial planning, and portfolio management; and automated lock box collection, cash management, and account reconciliation services. Eastern Bankshares, Inc. was founded in 1818 and is headquartered in Boston, Massachusetts.
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