Eastern Bankshares Inc. Common Stock (EBC)

FairStock Score: 36/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach a regional bank first as a balance-sheet business, not a growth story. Eastern Bankshares serves retail, commercial and small-business customers through Eastern Bank, with 2,247 employees. Its local deposit relationships give it a modest moat, but banking is competitive and capital-intensive. The filed record is uneven: FY2023 net income was $232.2M and diluted EPS $1.43; FY2024 net income fell to $119.6M and EPS $0.66; FY2025 net income was $88.2M and EPS $0.43. More recently, fiscal Q1 2026 (quarter ended 2026-03-31) showed net income of $65.3M and diluted EPS $0.29, while fiscal Q2 2026 (quarter ended 2026-06-30) showed net income of $105.2M and diluted EPS $0.48 on filed revenue of $38.7M. That rebound is encouraging, but the revenue line and earnings volatility need scrutiny. At the 2026-10-13 close of $20.96, FairStock calculates P/E 11.71, P/B 1.07, ROE 9.44%, dividend yield 2.67%, beta 0.70, Piotroski 7/9, PEG 0.09 and a FairStock score of 36/100. Price-to-book near 1 and a 2.67% dividend yield are reasonable; a 9.44% ROE is not high enough for me to call it a wonderful business. The Lynch category is STALWART: steady five-year profit growth of 31.1% but revenue -2.8%, so the profit record is better than the top line. I would need CET1, net interest margin, loan-loss reserves and nonperforming assets to judge credit risk; those are not in the data. On the numbers supplied, the stock looks fair-to-cheap, but not a fat pitch.

In plain English: Eastern Bankshares is a regional bank that serves everyday customers, businesses, and small companies. Its profits have bounced around in recent years, and its returns are only moderate, but the stock trades close to its accounting value and at a low price compared with yearly profit, with a small dividend. The price looks fair to slightly cheap versus the numbers, though missing details about capital and loan quality make it hard to call it a clear bargain.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer