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Data-driven stock valuation

Eastern Bankshares Inc (EBC) fair value: what the stock is really worth

We calculate from audited financials what Eastern Bankshares Inc is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily, free.

  1. Compare price with fair valuebelow fair value = cheap, above = expensive
  2. Check the quality50 and up solid, 75 and up strong
  3. Watch it or check another stockalert when fair value or trend changes

Financial Services · US · Market cap $4.7B · ISIN US27627N1054

At a glance

EB Eastern Bankshares Inc logo Eastern Bankshares Inc EBC · US
Price$21.74
Fair Value$4.34
Upside−80.0%
Quality42/100

Below-average quality, and trading another 401% above our fair value of $4.34.

As of Aug 28, 2026, the fair value of Eastern Bankshares Inc is $4.34 per share against a price of $21.74, so the fair value sits 80% below the price. A model estimate from reported figures, not an analyst target.

!Mixed Growth (revenue 5y +12.7 %/yr)
✓Highly profitable · 35.9% net margin
✓Low debt · generates free cash flow
·2.39% dividend yield
!Mixed vs. peers (6/14)
✓Wide moat 65/100
Evidence: High Range $3.26 to $5.43

Fair value as of: Aug 28, 2026

From 6 valuation models · updated 13 days ago

Share price −4.8% over the past month.

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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

What matters now

  • The price sits above even our optimistic bull case ($5.43). The favourable scenario is already priced in.
  • Weak quality (42/100) and above fair value at the same time, the margin of safety is missing on both counts.
  • For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

$23.65 $9.48 Fair Value $4.34 Jun 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 28, 2026.

How to read this chart

60‑month range $9.48 – $23.65 · fair‑value band $3.26 – $5.43 · the $21.74 price screens above the $4.34 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 28, 2026.

Full chart & analysis →

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Analysis

Eastern Bankshares Inc (EBC) currently trades at $21.74, while our model-based Fair Value estimate is $4.34, implying the stock looks roughly 400.5% overvalued today. The Quality Score stands at 42/100 (below-average quality), in the Financial Services sector. Bull case: the Economic Profit group reads highest at a median of $13.57 per share, and 0 of the 6 models we run sit above the $21.74 price. Bear case: the Multiples group reads lowest at $5.33, and 6 of the 6 models stay below the price. Evidence for this calculation is high.

Over the trailing twelve months, Eastern Bankshares Inc generated revenue of $1.0B at a net margin of 35.9%. Revenue grew 32.8% year over year. It earns a return on equity of 9.4%. The balance sheet holds a net cash position of $117M. Fundamentals as of Aug 28, 2026

Scenario range: $3.26 (bear) to $5.43 (bull), the price of $21.74 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target. The share trades about 3% below its 52-week high and 58% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −13% fair-value upside, at −80%, EBC screens richer than that median.

Fair Value models

Based on fiscal year 2025 figures (about 8 months old). Earnings retained since then ($0.8906 per share) are deliberately not added.

Each model values the company its own way; the fair value above is the evidence-weighted blend. Evidence (0 to 100) shows how complete a model's inputs are. How we calculate →

Model Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence
Highest evidence
Residual Income best evidence $14.12 $13.57 $10.64 76
Gordon GGM $4.32 $8.61 $13.03 67
DDM Multi-Stage $4.32 $7.44 $9.08 67
All 6 models by family
Dividend Discount
Gordon GGM $4.32 $8.61 $13.03 67
DDM Multi-Stage $4.32 $7.44 $9.08 67
Multiples
P/E Multiple $4.00 $5.33 $6.67 63
P/B Multiple $5.23 $6.98 $8.72 55
Asset-Based
NCAV (Graham) $10.10 $13.53 $20.19 54
Economic Profit
Residual Income best evidence $14.12 $13.57 $10.64 76

Widest divergence: Economic Profit ($13.57) versus Multiples ($5.33). Highest evidence: Residual Income (76).

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Key figures & financial health

P/E ratio 12.0
P/S ratio 1.00 P/E × margin
EPS (TTM) $1.81 price ÷ EPS = P/E 12.0
Dividend yield 2.4% payout 28.7%
Net margin 8.3% FY2025
Return on equity 9.4% TTM
More key figures
Profitability
Return on assets (EBIT) 0.5% avg 5y
Operating margin 45.9% TTM
Growth
Revenue (TTM) $1.0B TTM
Revenue growth (YoY) +32.8% 3y avg +15.7%
EPS growth (YoY) +54.1%
Balance sheet & cash flow
Free cash flow $413M FY2025
Net cash $117M FY2025

Figures from reported company fundamentals · as of Aug 28, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 42/100

Of which business quality 36 · Market factors (momentum, volatility) 70

Profitability 18
Margins and returns on capital today
Quality Growth 44
Are margins and returns improving?
Cashflow 100
Earnings quality: real cash, not paper profit
Fin. Strength 4
Balance sheet, leverage, solvency risk
Investment 49
Disciplined investing over empire-building
Low Volatility 79
Calm price path (market factor)
Momentum 62
Price trend over the last 3–12 months (market factor)
52W Momentum 73
Distance to the 52-week high (market factor)
Net Issuance 0
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.

About the company

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 in the United States. The company offers deposit accounts, interest checking accounts, money market accounts, savings accounts, and time certificates of deposit accounts.

Full company description

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 in the United States. The company offers deposit accounts, interest checking accounts, money market accounts, savings accounts, and time certificates of deposit accounts. It also provides commercial and industrial products, 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 offers 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.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Eastern Bankshares Inc reported revenue of $1.1B in FY2025 versus $523M in FY2021, a compound +19.2%/yr. Reported net income was $88.2M in FY2025, compounding −13.1%/yr from FY2021.

Growth Quality 86/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Latest Revenue (FY 2025)
$1.1B
Latest YoY
−1.2%
Avg. revenue growth/yr (3Y) ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+15.7%
Avg. revenue growth/yr (5Y) ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+12.7%
Avg. revenue growth/yr (7Y) ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+8.6%
Value creation/yr (5Y) ⓘEarnings growth per share (CAGR 5 years) plus dividend yield: value created per share and year.
−6.3%
Earnings growth per share plus dividend yield: the value created per share and year.
Earnings growth per share−8.7%
Dividend yield2.4%
Operating margin (EBIT) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.6.2% (2020) → 9.4% (2025) · rising
Worst earnings drop79% (2020) · in USD
Revenue +19.2%/yr
FY21 $523M
FY22 $682M
FY23 $796M
FY24 $1.1B
FY25 $1.1B
Net income −13.1%/yr
FY21 $155M
FY22 $200M
FY23 $295M
FY24 $120M
FY25 $88.2M

EBC screens 401% overvalued. Compare with DBS Group →

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Eastern Bankshares Inc · Fair Value
$4.34 −401%Fair Value
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Cite: Fair Value Calculator (2026). "Eastern Bankshares Inc Fair Value". https://www.fairvalue-calculator.com/stock/EBC

Recent news

External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.

Peer Group

Banks - Regional · 1073 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Valuation
Quality Score 39 · Bottom 25%
Fair Value upside −81% · Bottom 25%
Profitability
Return on equity (TTM) 9% · Below median
Return on assets 1% · Above median
Net margin (TTM) 36% · Above median
Operating margin (TTM) 46% · Above median
Growth and dividend
Revenue growth 33% · Top 25%
Dividend yield (TTM) 2.4% · Below median
Balance sheet
Debt / equity 0.04× · Lowest 25%

Valuation Multiples vs Banks - Regional median · lower = cheaper

P/E (TTM) 12.0× · Cheaper than median
P/B 1.14× · Pricier than median
P/S (TTM) 4.79× · Priciest 25%
P/FCF 12.0× · Pricier than median
EV/EBITDA 29.3× · Priciest 25%

What the price implies (reverse DCF)

The inverse question: what free-cash-flow growth must Eastern Bankshares Inc deliver for ten years so that today's price is fair in our DCF model? Same formula, same discount rate as the fair value.

Implied FCF growth, 10 years-2.0 % per year
Achieved revenue growth, 5 years+12.7 % p.a.
Sector median revenue growth+8.1 %
FCF yield on price8.78 %
Discount rate (WACC) in the models8.9 %

The price demands less growth than the company recently delivered: even a weaker business would justify the price. Ranking of the largest stocks →

Context: sector, industry, market

Strength profile in five axes (Snowflake)

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE0 · sector 33
FUTURE100 · sector 44
PAST38 · sector 41
HEALTH98 · sector 85
DIVIDEND48 · sector 52

VALUE 0: the price sits above our fair-value range.

Insider activity: 66/100

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Aug 28, 2026).

Stock Price Fair Value vs Fair Value
DBS Group D05 75.65 SGD 40.48 SGD −46%
China Merchants Bank Co 3968 HK$47.96 HK$76.51 +60%
Intesa Sanpaolo S.p.A ISP €6.74 €5.66 −16%
HDFC Bank Limited HDB $23.18 $24.12 +4%
BNP Paribas SA BNP €104.54 €144.64 +38%
UniCredit S.p.A UCG €84.43 €77.62 −8%
Mizuho Financial Group MFG $11.23 $9.72 −13%
ICICI Bank Limited ICICIBANK ₹1,423 ₹835.21 −41%
Oversea-Chinese Banking Corporation O39 31.07 SGD 19.80 SGD −36%
CaixaBank, S.A CABK €13.52 €8.85 −35%

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Frequently asked questions

Is Eastern Bankshares Inc (EBC) overvalued or undervalued?
As of Aug 28, 2026, our model estimates a fair value of $4.34 versus a price of $21.74, about −80% upside (overvalued).
What is the fair value of EBC?
Our model-based fair value for Eastern Bankshares Inc is $4.34 (as of Aug 28, 2026), built from audited fundamentals. The current price: $21.74.
What is the quality score of EBC?
Eastern Bankshares Inc has a Quality Score of 42/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Eastern Bankshares Inc (EBC)?
Our model-based price target is the fair value of $4.34 (as of Aug 28, 2026) from 6 valuation models. Cautious scenario $3.26, optimistic scenario $5.43. It is a calculation from audited fundamentals, not an analyst target.
What is the Eastern Bankshares Inc stock forecast for 2026?
Our models put fair value at $4.34, about −80% upside versus a price of $21.74 (overvalued). Cautious scenario $3.26, optimistic scenario $5.43. The calculation is refreshed regularly with new filings.
What is the revenue of Eastern Bankshares Inc (EBC)?
Eastern Bankshares Inc reported trailing-twelve-month revenue of about $1.0B (latest available figure, as of Aug 28, 2026).
What is the net profit margin of EBC?
The net profit margin of Eastern Bankshares Inc is about 35.9%, meaning it keeps roughly 35.9% of revenue as net income. Based on the latest reported figures.
Does Eastern Bankshares Inc pay a dividend?
Eastern Bankshares Inc currently shows a dividend yield of about 2.39% relative to its recent price (as of Aug 28, 2026).
What growth is priced into Eastern Bankshares Inc (EBC)?
For today's price to be fair in a discounted-cash-flow model, Eastern Bankshares Inc would have to grow free cash flow by -2.0 % per year for ten years (discount rate 8.9 %, then 2 % perpetual growth). Over the last 5 years revenue grew +12.7 % per year. As of Aug 28, 2026.
What discount rate (WACC) does the fair value of EBC use?
Our models discount Eastern Bankshares Inc at 8.9 %: a base by market capitalisation (mid), damped by beta 0.68, country premium for USA. The same rate applies in all 26 models.
What is the intrinsic value of Eastern Bankshares Inc (EBC)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Eastern Bankshares Inc it is $4.34 per share (as of Aug 28, 2026), against a price of $21.74. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Eastern Bankshares Inc stock overvalued or undervalued in 2026?
As of Aug 28, 2026, EBC trades above its calculated fair value: price $21.74, fair value $4.34, a gap of about −80% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of EBC?
No. The price is what the market pays today ($21.74); the fair value is what the company's own numbers justify ($4.34). For Eastern Bankshares Inc the two are $17.40 per share apart. That gap is exactly why we show both numbers side by side.
How much is Eastern Bankshares Inc worth?
The market values Eastern Bankshares Inc at about $4.7B (market capitalisation, as of Aug 28, 2026). Per share that is $21.74; our models calculate a fair value of $4.34 per share.
What do the bullish and bearish scenarios say about EBC?
Our models span a range for Eastern Bankshares Inc: cautious scenario $3.26, base $4.34, optimistic $5.43 per share (as of Aug 28, 2026, price $21.74). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of EBC?
Eastern Bankshares Inc trades at a price-to-earnings ratio of 12.0 (as of Aug 28, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $4.34 is built from several models across several years. Other multiples: P/B 1.1, P/S 4.8, EV/EBITDA 29.3.
How solid is the balance sheet of Eastern Bankshares Inc (EBC)?
Balance-sheet figures for Eastern Bankshares Inc (as of Aug 28, 2026): return on equity 9.4%, debt of 0.04 per unit of equity. They feed the Quality Score of 42/100, which measures business quality independently of the share price.
How far is EBC from its 52-week high?
Eastern Bankshares Inc trades at $21.74, about 3% below its 52-week high of $22.42 and 58% above the low of $13.80 (as of Aug 28, 2026). Distance from the high says nothing about value: that is what the fair value of $4.34 is for.
Which stocks are comparable to Eastern Bankshares Inc?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Eastern Bankshares Inc stock attractive at the current price?
The data as of Aug 28, 2026: price $21.74, calculated fair value $4.34 (−80%), Quality Score 42/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of EBC calculated?
We run Eastern Bankshares Inc through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $4.34, with the spread shown as a cautious and an optimistic scenario.
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