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Upturn AI SWOT - About
EBC 
Eastern Bankshares Inc (EBC)
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Upturn Advisory Summary
07/10/2025: EBC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution 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
1 Year Target Price $19
| 1 | Strong Buy |
| 2 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 0.6% | Avg. Invested days 36 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 07/10/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.11B USD | Price to earnings Ratio - | 1Y Target Price 19 |
Price to earnings Ratio - | 1Y Target Price 19 | ||
Volume (30-day avg) 4 | Beta 0.95 | 52 Weeks Range 13.39 - 18.97 | Updated Date 07/10/2025 |
52 Weeks Range 13.39 - 18.97 | Updated Date 07/10/2025 | ||
Dividends yield (FY) 3.41% | Basic EPS (TTM) -0.67 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -29.89% | Operating Margin (TTM) 289.54% |
Management Effectiveness
Return on Assets (TTM) -0.59% | Return on Equity (TTM) -4.19% |
Valuation
Trailing PE - | Forward PE 10.55 | Enterprise Value 2862859264 | Price to Sales(TTM) 6.79 |
Enterprise Value 2862859264 | Price to Sales(TTM) 6.79 | ||
Enterprise Value to Revenue 5.93 | Enterprise Value to EBITDA - | Shares Outstanding 193438000 | Shares Floating 182372880 |
Shares Outstanding 193438000 | Shares Floating 182372880 | ||
Percent Insiders 1.21 | Percent Institutions 75.83 |
Upturn AI SWOT
Eastern Bankshares Inc
Company Overview
History and Background
Eastern Bankshares, Inc. traces its roots back to 1818 with the founding of Salem Savings Bank. Over the years, it expanded through organic growth and acquisitions, becoming a major community bank in Massachusetts. In 2020, Eastern Bank completed its initial public offering (IPO), transforming from a mutual holding company to a publicly traded entity.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending, deposit, and cash management services to businesses of all sizes.
- Retail Banking: Offers personal banking services, including checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Provides financial planning, investment management, and trust services to individuals and families.
Leadership and Structure
Eastern Bankshares Inc. is led by a board of directors and executive management team. The company operates with a traditional hierarchical structure, with regional and functional departments reporting to executive leadership.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, equipment financing, and real estate. Market share data is regional and difficult to pinpoint precisely. Competitors include Bank of America (BAC), Santander (SAN), and local credit unions.
- Mortgages: Residential mortgage loans for homebuyers. Market share is highly competitive and fragmented. Competitors include national mortgage lenders like Rocket Companies (RKT) and local banks.
- Checking Accounts: Basic banking services with multiple tiers of service for varying customers. Competitors include Bank of America (BAC) and Citizens Financial Group (CFG)
Market Dynamics
Industry Overview
The banking industry is currently facing a challenging environment due to rising interest rates, increased competition from fintech companies, and regulatory pressures.
Positioning
Eastern Bankshares Inc. positions itself as a community-focused bank with a strong emphasis on customer service and local market expertise. Its competitive advantage lies in its established presence in Massachusetts and its commitment to community involvement.
Total Addressable Market (TAM)
The TAM for banking services in Eastern Bankshares' primary geographic market (Massachusetts) is substantial, encompassing all individuals and businesses requiring banking products and services. Eastern Bankshares captures a portion of this TAM, focusing on relationship-based banking and community ties.
Upturn SWOT Analysis
Strengths
- Strong brand reputation in Massachusetts
- Established customer base
- Experienced management team
- Commitment to community involvement
- Solid capital position
Weaknesses
- Geographic concentration in Massachusetts
- Limited international presence
- Vulnerability to regional economic downturns
- Smaller scale compared to national banks
- Dependence on traditional banking model
Opportunities
- Expansion into new markets within New England
- Increased adoption of digital banking technologies
- Strategic acquisitions of smaller banks or credit unions
- Growth in wealth management services
- Leveraging data analytics to improve customer service
Threats
- Rising interest rates
- Increased competition from fintech companies
- Regulatory changes
- Economic recession
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- BAC
- CFG
- SBNY
Competitive Landscape
Eastern Bankshares faces competition from larger national banks, regional banks, and smaller community banks. Its competitive advantages include its local market expertise and strong customer relationships. Disadvantages compared to larger national banks are its smaller scale and limited geographic reach.
Major Acquisitions
Abington Bancorp
- Year: 2019
- Acquisition Price (USD millions): 172.4
- Strategic Rationale: Expanded Eastern Bank's presence in southeastern Massachusetts and strengthened its market share.
Growth Trajectory and Initiatives
Historical Growth: Eastern Bankshares Inc.'s historical growth has been driven by organic expansion and acquisitions in the Massachusetts market.
Future Projections: Future growth projections would be based on analyst estimates and the company's own guidance. These projections can vary widely depending on economic conditions and industry trends.
Recent Initiatives: Recent strategic initiatives undertaken by Eastern Bankshares Inc. often include investments in digital banking, expansion of wealth management services, and community development programs.
Summary
Eastern Bankshares Inc. is a regional bank with a strong presence in Massachusetts. The company benefits from its established customer base and community ties. However, its geographic concentration and smaller scale pose challenges. Its growth strategy will rely on effectively competing with larger national banks and adapting to the evolving digital landscape. It needs to look out for rising interest rates and the challenge in adopting digital banking technologies
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings (10-K, 10-Q)
- Company Website
- Analyst Reports
- Federal Reserve Data
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Investment decisions should be based on thorough research and consultation with a qualified financial advisor. Market share data is approximate and may vary by source.
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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