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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
10/09/2026: EBC (1-star) is currently NOT-A-BUY. Pass it for now.
Eastern Bankshares is a well-established regional financial institution, functioning primarily as the holding company for Eastern Bank with a focus on serving the New England community. Its core strengths lie in a stable core deposit base and a diversified revenue model that incorporates insurance and wealth management services. The primary growth opportunity involves deepening relationships through its fee-based offerings and digital modernization. However, investors must monitor risks related to regional economic concentration, intense competition from national banks, and sensitivity to interest rate fluctuations. It is a stock that may suit income-focused investors looking for steady dividend returns and value-conscious investors prioritizing historical stability.
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 | The company is more suited to steady, moderate growth rather than rapid, aggressive expansion. |
| Momentum investor | Weak fit | Regional bank stocks typically lack the high volatility required for momentum strategies unless a specific sector-wide catalyst occurs. |
| Value investor | Strong fit | The stock often trades based on tangible book value and dividend yield, making it attractive for value-oriented investors. |
| Dividend investor | Strong fit | Consistent dividend payouts make it a solid candidate for income-focused portfolios. |
| Low-risk investor | Strong fit | As a stable, well-capitalized regional bank, it exhibits lower relative volatility compared to growth or tech-heavy stocks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks are sensitive to interest rate changes, which can lead to share price fluctuations. |
| Valuation risk | Low | The company is generally valued based on fundamental metrics like book value, limiting extreme overvaluation risks. |
| Competition risk (traditional banking) | High | Competition from large national banks and agile fintechs puts pressure on margins and customer retention. |
| Business quality | Strong | Long-standing operational history and a loyal regional customer base provide a strong business foundation. |
| Dividend income | Low | The dividend is generally considered stable, representing a low risk to income-seeking investors. |
| Execution risk | Medium | Successfully integrating acquisitions and managing digital transformation are critical for long-term performance. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -0.98% | 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 10/09/2026 |
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 4.81B USD | Price to earnings Ratio 11.75 | 1Y Target Price 24.88 |
Price to earnings Ratio 11.75 | 1Y Target Price 24.88 | ||
Volume (30-day avg) 2.4M shares | Beta 0.7 | 52 Weeks Range 16.15 - 23.61 | Updated Date 10/11/2026 |
52 Weeks Range 16.15 - 23.61 | Updated Date 10/11/2026 | ||
Dividends yield (FY) 2.56% | Basic EPS (TTM) 1.79 |
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 core of their profit—earning the spread between what they charge for loans and what they pay savers. |
| Non-Interest Income | Fees from insurance brokerage, wealth management services, and deposit account charges. | This provides a steady, non-lending source of revenue that helps balance out interest rate cycles. |
| Geography (New England) | Focus on Massachusetts and New Hampshire markets. | The company's health is closely tied to the regional economy of New England. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 11.75 | Forward PE 9.66 | Enterprise Value 4.85B | Price to Sales(TTM) 4.38 |
Enterprise Value 4.85B | Price to Sales(TTM) 4.38 | ||
Enterprise Value to Revenue 4.63 | Enterprise Value to EBITDA - | Shares Outstanding 228.51M | Shares Floating 200.36M |
Shares Outstanding 228.51M | Shares Floating 200.36M | ||
Percent Insiders 1.26 | Percent Institutions 92.24 |
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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