Stocks · Financial Services · Banks - Regional
Eastern Bankshares, Inc. EBC
$21.47 +1.85% Close, Oct 2, 2026 · NASDAQ · Market cap $4.96B
Next earnings report: Oct 22, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Operating margin widened to 24.0% from -1.5% a year earlier.
- Revenue over the last four quarters was $1.43B, up 49.3% from a year earlier, slowing from 61.3% a quarter earlier.
- The diluted share count rose 10.2% in a year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 7%
- FCF growth (TTM, YoY)Bottom 44%
- Revenue growth, 3-year CAGRTop 47%
- Revenue growth accelerationBottom 15%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 25%
- Gross marginTop 30%
- Operating marginTop 44%
- Cash conversion (OCF / net income)Bottom 44%
- Accruals (lower is better)Bottom 39%
- Net debt / EBITDA (lower is better)Top 40%
- Interest coverBottom 47%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 35%
- Free-cash-flow yieldBottom 50%
- EBITDA / enterprise valueTop 35%
- Sales / enterprise valueBottom 41%
- P/E vs own 5-year history (lower is better)Top 28%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 35%
- 6-month returnTop 44%
- 1-year return vs S&P 500Top 34%
- Distance from 52-week highTop 48%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 27%
- Consecutive EPS beatsBottom 43%
- Share of analysts rating BuyTop 30%
- Upside to consensus price targetTop 39%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 39%
- Maximum drawdown, 3 yearsTop 40%
- Beta vs S&P 500 (lower is better)Bottom 37%
- Net debt / EBITDA (lower is better)Top 40%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 61.3% | 49.3% | ↓ |
| Gross margin | 57.3% | 72.6% | ↑ |
| Operating margin | -1.5% | 24.0% | ↑ |
| FCF margin | 37.0% | 27.5% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 49.3% | 61.3% | ↓ | Top 7% |
| Gross margin | 72.6% | 57.3% | ↑ | Top 30% |
| Operating margin | 24.0% | -1.5% | ↑ | Top 44% |
| Net margin | 26.3% | -6.6% | ↑ | — |
| Free-cash-flow margin | 27.5% | 37.0% | ↓ | — |
| Return on invested capital | 6.3% | — | Top 25% | |
| Revenue growth, 3-year CAGR | 15.7% | — | Top 47% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.08×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.1%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.1%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 0.48×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.9×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.36%
- Net buyback yield (TTM)
- 3.98%
- Shareholder yield
- 6.35%
- Share count change, 1 year
- +10.2%
- Share count change, 3-year CAGR
- +10.5%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 1
- Beats in the last 8 reports
- 5 of 8
- Average EPS surprise, last 4
- -0.7%
- Average 2-day reaction, last 8
- +0.2%
- Positive 20 days after report
- 4 of 8
Analysts
- Consensus price target
- $25.60
- Target vs current price
- +19.2%
- Analysts with a rating
- 8
- Share rating Buy or Strong Buy
- 63%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | +6.0% | +0.2% | +2.0% | +1.9% | — |
| Apr 23, 2026 | -9.1% | +1.3% | -1.8% | -2.0% | +11.9% |
| Jan 22, 2026 | +7.3% | +0.4% | -1.7% | +4.1% | +3.8% |
| Oct 23, 2025 | -6.9% | -0.2% | -9.0% | -5.1% | +4.2% |
| Jul 24, 2025 | +7.9% | -2.7% | -3.2% | -1.8% | +6.3% |
| Apr 24, 2025 | +3.0% | +2.0% | -3.6% | -3.7% | +4.5% |
| Jan 23, 2025 | +17.2% | +0.3% | +3.5% | +4.3% | -16.0% |
| Oct 24, 2024 | -24.8% | +0.2% | -0.3% | +10.1% | +5.2% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $0.49 | $0.46 | +6.0% | $316.0M |
| Apr 23, 2026 | $0.40 | $0.44 | -9.1% | $295.9M |
| Jan 22, 2026 | $0.44 | $0.41 | +7.3% | $290.1M |
| Oct 23, 2025 | $0.37 | $0.40 | -6.9% | $240.0M |
| Jul 24, 2025 | $0.41 | $0.38 | +7.9% | $243.8M |
| Apr 24, 2025 | $0.34 | $0.33 | +3.0% | $29.6M |
| Jan 23, 2025 | $0.34 | $0.29 | +17.2% | $216.5M |
| Oct 24, 2024 | $0.25 | $0.33 | -24.8% | $203.4M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 12.2× | 18.3× | 31th | Top 35% |
| P/E (forward) | 11.5× | — | — | — |
| EV / EBITDA | 11.1× | — | — | Top 35% |
| EV / Sales | 3.62× | — | — | Bottom 41% |
| Free-cash-flow yield | 7.93% | — | — | Bottom 50% |
| Earnings yield | 8.20% | — | — | Top 35% |
P/E over the past five years
Range 4.8× – 72.9× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 280
- 50-day average slope (20 days)
- -1.7%
- 200-day average slope (20 days)
- +1.3%
- Distance from 50-day average
- -3.8%
- Distance from 200-day average
- +3.2%
- RSI (14)
- 46.3
- Relative volume
- 1.09×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 18.7%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.81
- Correlation with S&P 500
- 0.47
- Current drawdown from 1-year high
- -9.2%
- Maximum drawdown, 3 years
- -26.0%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| May 24, 2021 | May 2, 2023 | -54.1% | 488 days | 803 days (Jul 16, 2026) |
| Aug 17, 2026 | Sep 30, 2026 | -11.5% | 31 days | Not yet recovered |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $4.96B
- P/E (TTM)
- 12.2
- EPS, diluted (TTM)
- $1.76
- Revenue (TTM)
- $1.43B
- Dividend yield
- 2.61%
- 52-week range
- $16.61 – $23.78
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $523.5M | $681.9M | $558.7M | $1.07B | $1.06B |
| Gross profit | $527.8M | $626.9M | $292.6M | $664.1M | $695.6M |
| Operating income | $176.0M | $238.2M | -$126.0M | $155.8M | $99.5M |
| Net income | $154.7M | $199.8M | $232.2M | $119.6M | $88.2M |
| EPS (diluted) | $0.90 | $1.21 | $1.43 | $0.66 | $0.40 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $299.5M | $308.1M | $29.6M | $321.6M | $322.7M | $382.9M | $375.6M | $349.9M |
| Net income | -$6.2M | $60.8M | -$217.7M | $100.2M | $106.1M | $99.5M | $65.3M | $105.2M |
| EPS (diluted) | -$0.03 | $0.30 | -$1.09 | $0.50 | $0.53 | $0.46 | $0.29 | $0.48 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $174.5M | $229.9M | $261.7M | $283.8M | $432.4M |
| Capital expenditure | -$5.7M | -$8.6M | -$8.1M | -$13.5M | -$19.4M |
| Free cash flow | $168.8M | $221.3M | $253.6M | $270.3M | $413.0M |
| Dividends paid | -$51.6M | -$65.9M | -$66.7M | -$82.5M | -$105.7M |
| Net share buybacks | -$23.2M | -$201.6M | $0 | -$27.7M | -$101.5M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $4.99B
- Total assets
- $31.14B
- Total liabilities
- $26.86B
- Total debt
- $398.6M
- Net debt
- $223.1M
- Shareholders’ equity
- $4.28B
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 8, 2026 | $0.15 | Sep 22, 2026 |
| Jun 5, 2026 | $0.15 | Jun 22, 2026 |
| Mar 6, 2026 | $0.13 | Mar 20, 2026 |
| Dec 3, 2025 | $0.13 | Dec 15, 2025 |
| Sep 3, 2025 | $0.13 | Sep 15, 2025 |
| Jun 3, 2025 | $0.13 | Jun 16, 2025 |
| Mar 3, 2025 | $0.12 | Mar 14, 2025 |
| Dec 3, 2024 | $0.12 | Dec 16, 2024 |
Short interest
- Shares sold short
- 16,803,681
- Days to cover
- 8.25
- Change vs previous report
- +7.3%
FINRA short interest, settlement date Sep 15, 2026.