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EBC 
Eastern Bankshares Inc (EBC)
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Upturn Advisory Summary
02/26/2026: EBC (3-star) is a REGULAR-BUY. BUY since 62 days. Simulated Profits (9.62%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
4 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $23.42
1 Year Target Price $23.42
| 1 | Strong Buy |
| 2 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.68B USD | Price to earnings Ratio 48.42 | 1Y Target Price 23.42 |
Price to earnings Ratio 48.42 | 1Y Target Price 23.42 | ||
Volume (30-day avg) 4 | Beta 0.8 | 52 Weeks Range 13.20 - 22.57 | Updated Date 02/26/2026 |
52 Weeks Range 13.20 - 22.57 | Updated Date 02/26/2026 | ||
Dividends yield (FY) 2.50% | Basic EPS (TTM) 0.43 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 12.66% | Operating Margin (TTM) 49.32% |
Management Effectiveness
Return on Assets (TTM) 0.31% | Return on Equity (TTM) 2.22% |
Valuation
Trailing PE 48.42 | Forward PE 11.25 | Enterprise Value 4378464256 | Price to Sales(TTM) 6.72 |
Enterprise Value 4378464256 | Price to Sales(TTM) 6.72 | ||
Enterprise Value to Revenue 6.61 | Enterprise Value to EBITDA - | Shares Outstanding 219715613 | Shares Floating 198246544 |
Shares Outstanding 219715613 | Shares Floating 198246544 | ||
Percent Insiders 1.19 | Percent Institutions 82.08 |
Upturn AI SWOT
Eastern Bankshares Inc
Company Overview
History and Background
Eastern Bankshares Inc. was founded in 1818 as the first mutual savings bank in Massachusetts, originally as Eastern Savings Bank. It has a long history of serving the Massachusetts community, evolving from a local mutual savings bank to a publicly traded company in 2020 through its holding company, Eastern Bankshares, Inc. Key milestones include its expansion through various mergers and acquisitions, and its commitment to community reinvestment and social impact.
Core Business Areas
- Community Banking: Offers a wide range of deposit products, including checking and savings accounts, money market accounts, and certificates of deposit, as well as lending services for individuals and small to medium-sized businesses. This segment is the cornerstone of its operations, focusing on customer relationships and local market needs.
- Wealth Management: Provides comprehensive wealth management services, including investment management, financial planning, trust services, and retirement planning for individuals and institutions. This segment aims to offer sophisticated financial solutions to a diverse client base.
- Eastern Insurance Group: Offers a broad spectrum of insurance products and services, including commercial and personal property and casualty insurance, life insurance, and employee benefits. This segment acts as a complementary service to its banking and wealth management offerings.
Leadership and Structure
Eastern Bankshares, Inc. operates as a bank holding company. Its primary subsidiary is Eastern Bank. The leadership team is comprised of a Board of Directors and executive officers responsible for strategic direction and operational oversight. Key roles typically include CEO, CFO, Chief Banking Officer, and heads of various business units.
Top Products and Market Share
Key Offerings
- Commercial Lending: Provides a variety of commercial loans, including term loans, lines of credit, commercial real estate loans, and SBA loans. Competitors include major regional and national banks as well as specialized commercial lenders. Market share data is not readily available at the product level but is a significant contributor to net interest income.
- Residential Mortgages: Offers a range of mortgage products for home purchases and refinancing. This is a competitive market with numerous banks, credit unions, and mortgage companies. Market share data is not specifically disclosed for this product alone.
- Deposit Accounts: Includes checking, savings, money market, and time deposit accounts. This is a core offering with high customer penetration. Competitors are all financial institutions offering similar deposit products.
- Wealth Management Services: Includes investment advisory, trust services, and financial planning. Competitors are other wealth management firms, brokerage houses, and private banks. Specific market share for this segment is not publicly detailed.
Market Dynamics
Industry Overview
The US banking industry is highly competitive and regulated, characterized by a mix of large national banks, regional banks, and community banks. Factors influencing the industry include interest rate environments, economic growth, technological advancements (fintech), regulatory changes, and evolving customer expectations for digital services. Community banks like Eastern Bank focus on local relationships and personalized service.
Positioning
Eastern Bankshares Inc. is positioned as a leading community bank in Massachusetts, with a strong emphasis on its mutual heritage and commitment to community development. Its competitive advantages lie in its strong local brand recognition, deep customer relationships, comprehensive suite of financial services (banking, insurance, wealth management), and a commitment to social responsibility, which resonates with its customer base.
Total Addressable Market (TAM)
The TAM for banking and financial services in Eastern Bankshares' primary operating region (Massachusetts and surrounding areas) is substantial, encompassing individual deposits, loans, wealth management assets, and insurance premiums. Eastern Bankshares is a significant player within its specific geographic and community-focused niche, though it represents a smaller portion of the overall national banking TAM. Its positioning is strong within its target market but modest in the broader national financial services landscape.
Upturn SWOT Analysis
Strengths
- Strong brand recognition and long-standing customer loyalty in its core Massachusetts market.
- Diversified business model with banking, wealth management, and insurance segments.
- Commitment to community development and social impact, fostering strong local relationships.
- Experienced leadership team with deep knowledge of the regional market.
- Solid capital position and profitability.
Weaknesses
- Geographic concentration primarily in Massachusetts, limiting diversification of economic risk.
- Potential challenges in scaling digital offerings to compete with larger, tech-focused banks.
- Reliance on traditional banking models which may face disruption from fintech innovation.
- Limited national brand awareness outside its operating region.
Opportunities
- Expansion into adjacent geographic markets through strategic acquisitions or organic growth.
- Leveraging technology to enhance digital banking experiences and operational efficiency.
- Growing the wealth management and insurance segments to further diversify revenue streams.
- Capitalizing on increasing demand for socially responsible investing and ESG-focused financial products.
- Cross-selling opportunities within its existing customer base.
Threats
- Intensifying competition from larger banks, credit unions, and fintech companies.
- Changes in interest rate environments impacting net interest margins.
- Economic downturns affecting loan demand and credit quality.
- Increasing regulatory compliance burdens and costs.
- Cybersecurity threats and data privacy concerns.
Competitors and Market Share
Key Competitors
- M&T Bank (MTB)
- Webster Financial Corporation (WBS)
- Independent Bank Corp. (INDB)
- Brookline Bancorp, Inc. (BRKL)
- Rockland Trust Company (part of Independent Bank Corp.)
Competitive Landscape
Eastern Bankshares competes in a dynamic regional banking landscape. Its advantages lie in its strong community ties and established brand. However, it faces challenges from larger, more diversified competitors with greater technological resources and broader geographic footprints. Its niche focus on community banking and personalized service is a key differentiator against larger, more transactional institutions.
Growth Trajectory and Initiatives
Historical Growth: Eastern Bankshares has experienced steady growth over the past decade, driven by organic expansion within its core markets and strategic acquisitions. Revenue and net income have generally trended upwards, reflecting an expanding loan portfolio, growing fee-based income, and effective cost management.
Future Projections: Analyst projections for Eastern Bankshares' future growth would typically focus on continued loan growth, expansion of wealth management and insurance services, and potential for further market penetration. Projections might also consider the impact of interest rate changes and economic conditions. Specific numerical projections would be found in analyst reports.
Recent Initiatives: Recent initiatives likely include investments in digital transformation to enhance customer experience, expansion of commercial and business banking services, and potentially exploring strategic partnerships or acquisitions to broaden its geographic reach or service offerings. Focus on ESG initiatives is also a likely strategic area.
Summary
Eastern Bankshares Inc. is a well-established community bank with a strong presence in Massachusetts, built on a foundation of trust and community engagement. Its diversified business model encompassing banking, wealth management, and insurance provides resilience. While it faces competition from larger institutions and fintech disruptors, its deep local roots and commitment to service are significant strengths. Continued investment in digital capabilities and strategic expansion will be key to navigating future growth opportunities and market challenges.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Investor Relations website (Eastern Bankshares Inc.)
- SEC Filings (10-K, 10-Q)
- Financial news and data providers (e.g., Bloomberg, Refinitiv, Yahoo Finance)
- Industry analysis reports
Disclaimers:
This analysis is based on publicly available information as of the last update. Financial data and market share are estimates and subject to change. This information is for informational purposes only and not intended as investment advice. Investors should conduct their own due diligence before making any investment decisions.
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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