# Eastern Bankshares Inc. (EBC) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $22.24, market value $5.1 billion.

## Valuation
- **P/E (trailing): 12.4×** (5-yr avg 21.8×, 3-yr avg 25.5×). Eastern Bankshares Inc. trades at 12.4× trailing earnings, well below its own five-year average of 21.8×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.4×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 34.8×**. Each dollar of revenue is priced at 34.8×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 1.1×**. The shares trade at 1.1× book value; book value is a meaningful part of the valuation.
- **Earnings yield: 8.0%**. The inverse of the P/E: 8.0% of the price is earned each year.

## Profitability
- **Net margin: 65.8%**. 65.8% of each dollar of sales reaches the bottom line.
- **Return on equity: 2.0%**. 2.0% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 1.2%**. Each dollar of assets produces 1.2% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 19.1%** (3-yr 20.2%/yr, 5-yr -2.8%/yr). Revenue grew 19.1% over the last year, against -2.8% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): -34.8%** (3-yr -29.2%/yr, 5-yr 27.0%/yr). Earnings per share fell 34.8%, slower than revenue, so margins compressed.

## Financial health
- **Piotroski F-score: 3/9**. 3 of 9 checks pass: weak or deteriorating financials.

## Dividends
- **Dividend yield: 2.52%** ($0.54 per share, trailing). Eastern Bankshares Inc. yields 2.52%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 120%**. The dividend exceeds earnings (120% payout), which is rarely sustainable outside REITs and one-off years.
- **Consecutive years of increases: 5**. 5 straight years of increases.

## Analyst view
- **Analyst consensus: buy** (8 analysts). 8 analysts cover Eastern Bankshares Inc.; the consensus is buy, with an average price target of $25.13 (+13% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 30.9%** (YTD 22.4%, 3-mo 12.0%). The shares are up 30.9% over twelve months including dividends.
- **From 52-week high: -6.5%** (33.9% above the low). Trading 6% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 45**. An RSI of 45 is neutral.
- **Beta (1 yr): 0.85** (volatility 27%). Beta of 0.85 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=EBC · Page: https://foliofundamentals.com/stocks/ebc

Not investment advice.