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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
09/15/2025: 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 12.62% | Avg. Invested days 43 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/15/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.46B 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 0.95 | 52 Weeks Range 13.29 - 18.83 | Updated Date 09/15/2025 |
52 Weeks Range 13.29 - 18.83 | Updated Date 09/15/2025 | ||
Dividends yield (FY) 2.81% | 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 8.57 | Enterprise Value 3060091904 | Price to Sales(TTM) 6.29 |
Enterprise Value 3060091904 | Price to Sales(TTM) 6.29 | ||
Enterprise Value to Revenue 5.64 | Enterprise Value to EBITDA - | Shares Outstanding 198692992 | Shares Floating 180893555 |
Shares Outstanding 198692992 | Shares Floating 180893555 | ||
Percent Insiders 1.26 | Percent Institutions 77.66 |
Upturn AI SWOT
Eastern Bankshares Inc
Company Overview
History and Background
Eastern Bankshares, Inc. was founded in 1818 as Salem Savings Bank. It evolved through mergers and acquisitions, becoming Eastern Bank and eventually Eastern Bankshares, Inc., going public in 2020.
Core Business Areas
- Commercial Banking: Offers loans, deposit accounts, and treasury management services to businesses.
- Retail Banking: Provides banking services such as checking accounts, savings accounts, mortgages, and personal loans to individuals and families.
- Wealth Management: Offers investment management, financial planning, and trust services.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other executive officers. The organizational structure is a traditional hierarchical structure for a bank, with various departments reporting to senior management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses of various sizes. Market share is regional within Massachusetts. Competitors include large national banks like Bank of America and smaller regional banks like Rockland Trust. Revenue from this product makes up the bulk of Eastern Bankshares revenue.
- Residential Mortgages: Mortgages for homebuyers. Market share is regional within Massachusetts. Competitors include national mortgage lenders like Rocket Mortgage and local credit unions. The number of users for this product is significant, driven by the local housing market.
- Deposit Accounts: Checking and savings accounts for individuals and businesses. Market share is regional within Massachusetts. Competitors include national banks such as Chase and regional players like Citizens Bank.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges due to rising interest rates, inflation, and increased competition from fintech companies. Regulatory scrutiny is also a significant factor.
Positioning
Eastern Bankshares Inc. is a regional bank with a strong presence in Massachusetts. Its competitive advantages include its local focus, strong customer relationships, and established brand reputation.
Total Addressable Market (TAM)
The total addressable market for banking services in Massachusetts is estimated to be in the billions of dollars. Eastern Bankshares is positioned to capture a portion of this TAM through its local presence and diverse service offerings.
Upturn SWOT Analysis
Strengths
- Strong brand recognition in Massachusetts
- Established customer relationships
- Experienced management team
- Solid capital base
Weaknesses
- Limited geographic diversification
- Dependence on the Massachusetts economy
- Smaller scale compared to national banks
- Limited investment in technology compared to larger banks
Opportunities
- Expansion into new markets within New England
- Acquisition of smaller banks or credit unions
- Development of new digital banking products
- Growth in wealth management services
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn in Massachusetts
- Changes in banking regulations
Competitors and Market Share
Key Competitors
- BANA
- ALLY
- COF
Competitive Landscape
Eastern Bankshares Inc. competes with larger national banks and smaller regional banks. Its advantages include its local focus, strong customer relationships, and established brand reputation. Disadvantages include the limited reach.
Major Acquisitions
Century Bancorp
- Year: 2021
- Acquisition Price (USD millions): 642
- Strategic Rationale: Expanded Eastern's presence in the Boston metro area and added valuable commercial lending capabilities.
Growth Trajectory and Initiatives
Historical Growth: Eastern Bankshares Inc. has experienced moderate growth in recent years, driven by organic growth and strategic acquisitions.
Future Projections: Analysts project continued growth in revenue and earnings over the next few years, driven by expansion into new markets and increased adoption of digital banking services.
Recent Initiatives: Recent strategic initiatives include the launch of a new mobile banking app and the expansion of wealth management services.
Summary
Eastern Bankshares is a stable regional bank with a strong presence in Massachusetts. It benefits from its local focus and established customer relationships but faces challenges from larger national banks and fintech companies. The company has shown a history of growth through strategic acquisitions and must continue to leverage technology to stay competitive. Careful monitoring of the economic conditions in its primary market is essential.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Investor Relations
- Analyst Reports
- Market Research Reports
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It should not be considered as financial advice. Investment decisions should be made after consulting with a qualified financial advisor.
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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