EBC:NSD-Eastern Bankshares, Inc (USD)

COMMON STOCK | Banks-Regional | NSD

Last Closing Price

USD 18.28

Change

+0.16 (+0.88)%

Market Cap

USD 3.41B

Volume

0.54M

Avg Analyst Target

USD 19.00 (+3.94%)

Avg User Target

USD
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

Eastern Bankshares, Inc. operates as the bank holding company for Eastern Bank that provides commercial banking products and services primarily to retail, commercial, and small business customers. It operates in two segments, Banking Business and Insurance Agency Business. The company provides interest-bearing and non interest-bearing checking deposits, money market deposits, savings deposits, and certificates of deposits, as well as debit and credit cards. It also offers commercial and industrial loans, commercial real estate and construction loans, business banking loans, residential real estate loans, and home equity and other consumer loans, as well as mortgage and personal loans, auto loans, preferred term loans, small business administration loans, and reserve lines of credit. In addition, the company provides cash reserves, cash management, merchant, escrow express, government banking, international banking, interest on lawyers trust accounts, pension planning, and business telephone banking services, as well as products and services for not-for-profit and healthcare. Further, it offers trust and investment products and services; community development and asset-based lending services; financial planning, portfolio management, wealth management, private banking, and fiduciary products; and electronic banking and foreign exchange services, as well as various insurance products. As of April 1, 2021, the company had approximately 110 locations in eastern Massachusetts, southern and coastal New Hampshire, and Rhode Island. Eastern Bankshares, Inc. was founded in 1818 and is headquartered in Boston, Massachusetts.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-08-03 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
SIVB SVB Financial Group

+4.27 (+0.78%)

USD31.03B 15.71 N/A
HBANN Huntington Bancshares Incorpor..

+0.10 (+0.38%)

USD28.23B 27.97 N/A
FITB Fifth Third Bancorp

+0.76 (+2.11%)

USD25.54B 10.58 N/A
HBAN Huntington Bancshares Incorpor..

+0.45 (+3.21%)

USD20.80B 15.21 N/A
FITBI Fifth Third Bancorp

+0.01 (+0.03%)

USD20.08B 8.37 N/A
SBNY Signature Bank

+4.81 (+2.12%)

USD13.12B 17.88 N/A
HBANO Huntington Bancshares Incorpor..

N/A

USD12.99B 21.91 N/A
ZION Zions Bancorporation, National..

+1.11 (+2.15%)

USD8.46B 7.83 N/A
CBSH Commerce Bancshares, Inc

-1.28 (-1.83%)

USD8.27B 15.16 N/A
FCNCA First Citizens BancShares, Inc

+20.77 (+2.70%)

USD7.62B 13.75 N/A

ETFs Containing EBC

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Banks-Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 12.08% 34% F 58% F
Dividend Return N/A N/A N/A N/A N/A
Total Return 12.08% 31% F 57% F
Trailing 12 Months  
Capital Gain N/A N/A N/A N/A N/A
Dividend Return N/A N/A N/A N/A N/A
Total Return N/A N/A N/A N/A N/A
Trailing 5 Years  
Capital Gain N/A N/A N/A N/A N/A
Dividend Return N/A N/A N/A N/A N/A
Total Return N/A N/A N/A N/A N/A
Average Annual (5 Year Horizon)  
Capital Gain N/A N/A N/A N/A N/A
Dividend Return N/A N/A N/A N/A N/A
Total Return N/A N/A N/A N/A N/A
Risk Return Profile  
Volatility (Standard Deviation) N/A N/A N/A N/A N/A
Risk Adjusted Return N/A N/A N/A N/A N/A
Market Capitalization 3.41B 90% A- 81% B-
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks-Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 50.69 2% F 21% F
Price/Book Ratio 1.01 75% C 88% B+
Price / Cash Flow Ratio 48.79 8% F 10% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 2.45% 5% F 57% F
Return on Invested Capital -0.50% 21% F 48% F
Return on Assets 0.43% 6% F 48% F
Debt to Equity Ratio 0.82% 99% A+ 88% B+
Technical Ratios  
Short Ratio 2.83 45% F 47% F
Short Percent 1.72% 31% F 67% D+
Beta N/A N/A N/A N/A N/A
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

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User / Independent Analyst Ratings

User Name Target Rating Target Horizon (Months) Target Price User Analysis Date Comment

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
High market capitalization

This is one of the largest entities in its sector and is among the top quartile. Such companies tend to be more stable.

Underpriced compared to book value

The stock is trading low compared to its peers on a price to book value basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Low debt

The company is less leveraged than its peers ,, and is among the top quartile, which makes it more flexible. However, do check the news and look at its sector. Sometimes this is low because the company is not growing and has no growth potential.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

What to not like:
Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Poor return on equity

The company management has delivered below median return on equity in the most recent 4 quarters compared to its peers.

Poor return on assets

The company management has delivered below median return on assets in the most recent 4 quarters compared to its peers.

Low Earnings Growth

This stock has shown below median earnings growth in the previous 5 years compared to its sector

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector