Eastern Bankshares Inc (EBC) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Eastern Bankshares Inc stock (EBC) is currently trading at $19.14. Eastern Bankshares Inc PE ratio is 43.53. Eastern Bankshares Inc PS ratio (Price-to-Sales) is 6.05. Analyst consensus price target for EBC is $23.42. WallStSmart rates EBC as Moderate Buy.
- EBC PE ratio analysis and historical PE chart
- EBC PS ratio (Price-to-Sales) history and trend
- EBC intrinsic value — DCF, Graham Number, EPV models
- EBC stock price prediction 2025 2026 2027 2028 2029 2030
- EBC fair value vs current price
- EBC insider transactions and insider buying
- Is EBC undervalued or overvalued?
- Eastern Bankshares Inc financial analysis — revenue, earnings, cash flow
- EBC Piotroski F-Score and Altman Z-Score
- EBC analyst price target and Smart Rating
Eastern Bankshares Inc
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EBC Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Eastern Bankshares Inc (EBC)
EBC trades at a modest 7% premium above its Graham fair value of $20.12. Consider waiting for a pullback.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Eastern Bankshares Inc (EBC) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, revenue growth. Concerns around return on equity. Overall metrics suggest strong investment potential with favorable risk/reward.
Eastern Bankshares Inc (EBC) Key Strengths (6)
Keeps $62 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Revenue surging 32.80% year-over-year
Earnings per share surging 54.10% year-over-year
82.61% of shares held by major funds and institutions
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
Eastern Bankshares Inc (EBC) Areas to Watch (3)
Very low returns on shareholder equity
Premium valuation at 6.0x annual revenue
Decent profitability, keeps $13 per $100 revenue
Supporting Valuation Data
Eastern Bankshares Inc (EBC) Detailed Analysis Report
Overall Assessment
This company scores 67/100 in our Smart Analysis, earning a B- grade. Out of 9 metrics analyzed, 6 register as strengths (avg 9.5/10) while 3 fall into concern territory (avg 3.7/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, Revenue Growth. Valuation metrics including Price/Book (0.96) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 62.10%. Growth metrics are encouraging with Revenue Growth at 32.80%, EPS Growth at 54.10%.
The Bear Case
The primary concerns are Return on Equity, Price/Sales, Profit Margin. Some valuation metrics including Price/Sales (6.05) suggest expensive pricing. Profitability pressure is visible in Return on Equity at 2.22%, Profit Margin at 12.70%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 2.22% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 32.80% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Price/Book) and negatives (Return on Equity, Price/Sales). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
EBC Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
EBC's Price-to-Sales ratio of 6.05x sits near its historical average of 5.55x (58th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 34% below its historical high of 9.18x set in Feb 2022, and 100% above its historical low of 3.03x in Apr 2025. Over the past 12 months, the PS ratio has expanded from ~3.3x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for Eastern Bankshares Inc (EBC) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Eastern Bankshares Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 696M with 33% growth year-over-year. Profit margins of 12.7% are healthy, with room for further expansion as the business scales.
Key Findings
Revenue growing at 33% YoY, reaching 696M. This pace significantly outperforms most BANKS - REGIONAL peers.
ROE of 222.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Margin expansion: can Eastern Bankshares Inc push profit margins above 15% as the business scales?
Growth sustainability: can Eastern Bankshares Inc maintain 33%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 271.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Eastern Bankshares Inc.
Bottom Line
Eastern Bankshares Inc offers an attractive blend of growth (33% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Eastern Bankshares Inc(EBC)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Eastern Bankshares, Inc. is the banking holding company for Eastern Bank offering commercial banking products and services primarily to retail, commercial and small business clients. The company is headquartered in Boston, Massachusetts.