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Massachusetts-based commercial bank descended from the oldest US mutual savings bank, serving businesses and consumers.
Massachusetts-based commercial bank descended from the oldest US mutual savings bank, serving businesses and consumers.
Earns most of its income from the gap between interest on loans, led by commercial lending, and what it pays depositors, with fees from wealth management and insurance on top. It converted from a mutual, depositor-owned savings bank to a listed company in 2020 and bought Century Bancorp in 2021, which made it much larger in business banking.
Moat: narrow (scale, distribution). Long-standing regional branch network and deposit franchise built since 1818.
Headquarters: Boston, Massachusetts, US · Founded: 1818 · Employees: 2,450
Size Eastern Bankshares (EBC) is a United States Financials company (Regional Banks) with a market value of $5.22B, the 1156th largest of 3,117 United States companies the cockpit tracks. Shares closed at $22.84 on 6 Nov 2026.
Performance Over six months the shares gained 13.9%, against +4.9% for the median peer and -1.1% for the United States market (cap-weighted) — 5th highest of 21 in its peer set.
Growth Revenue grew 61.0% over the last twelve months (peer median +2.8%); the operating margin is 37.9% (peer median 43.4%).
Valuation It trades at 1.23× book value against a peer median of 1.25× (10th cheapest of 21).
Price implies The share price implies a return on equity of about 9.6%; Eastern Bankshares delivers 9.5%, so the price asks more than the business earns today.
Short interest Short interest is 8.6% of the free float (15 Oct 2026).
Next results Next results expected around 28 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $1.58B | $1.05B | $1.07B | $557M | $676M |
| Revenue growth | — | -1% | +92% | -18% | — |
| Net income | $381M | $88.2M | $120M | $232M | $200M |
| Free cash flow | n/a | $418M | $271M | $527M | $235M |
| Capital expenditure | n/a | $19.4M | $13.5M | $8.14M | $8.63M |
| Total debt | $904M | $313M | $176M | $104M | $741M |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Eastern Bankshares EBC | $5.22B | +14% | +61% | 10% | 1.23× | 9.6% |
| Independent Bank INDB | $3.94B | +8% | +25% | 9% | 1.14× | 9.5% |
| Beacon Financial BBT | $2.57B | +6% | +74% | 9% | 1.02× | 7.9% |
| Webster Financial WBS | n/a | +7% | n/a | n/a | n/a | n/a |
| Citizens Financial CFG | $26.5B | -1% | +4% | 9% | 1.16× | 11.5% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | EBC | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +8.3% | +3.2% | 4th highest of 21 |
| 6-month return | +13.9% | +4.9% | 5th highest of 21 |
| Return on equity | 9.5% | 10.5% | 9th lowest of 21 |
| Price / book | 1.23× | 1.25× | 10th cheapest of 21 |
| Trailing P/E | 13.1× | 12.3× | 8th most expensive of 19 |
| ROE the price implies | 9.6% | 9.5% | 10th most demanding of 20 |
| ROE delivered | 9.5% | 10.5% | 9th lowest of 21 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Eastern Bankshares EBC | United States | $5.22B | +14% | +61% | 10% | 1.23× | 9.6% | 9.5% |
| Hokuhoku Financial 8377.T | Japan | $5.25B | +53% | +27% | 10% | 1.10× | 7.7% | 9.7% |
| Grupo Financiero Galicia SA Sponsored ADR GGAL | United States | $5.36B | -30% | +3% | 2% | 0.76× | 9.6% | 2.0% |
| Berner Kantonalbank BEKN.SW | Switzerland | $5.07B | +17% | -4% | 7% | 1.34× | n/a | 6.6% |
| Intercorp Financial Services IFS | United States | $5.38B | +4% | +9% | 17% | 1.36× | 10.5% | 17.4% |
| Taiwan Business Bank 2834.TW | Taiwan | $5.46B | +7% | -16% | 9% | 1.23× | 4.5% | 9.2% |
| Ameris Bancorp ABCB | United States | $5.49B | -5% | +3% | 9% | 1.33× | 12.1% | 9.5% |
| Atlantic Union Bankshares AUB | United States | $5.51B | +4% | +21% | 11% | 1.09× | 9.5% | 10.7% |
| Bank OZK OZK | United States | $5.53B | +4% | 0% | 11% | 0.93× | 8.9% | 11.3% |
| Iyogin Holdings,Inc 5830.T | Japan | $5.61B | -3% | +13% | 8% | 0.91× | 8.2% | 7.8% |
| Bank of Qingdao 3866.HK | Hong Kong | $4.84B | +6% | +12% | 14% | 0.57× | 6.1% | 13.8% |
| Noba Bank NOBA.ST | Sweden | $4.81B | +20% | +6% | 17% | 1.82× | 6.9% | 17.0% |
| Hancock Whitney HWC | United States | $5.73B | +4% | -1% | 9% | 1.34× | 12.2% | 9.4% |
| Gunma Bank 8334.T | Japan | $5.78B | +11% | +22% | 10% | 1.43× | 7.8% | 10.3% |
| Alior Bank ALR.WA | Poland | $4.59B | +15% | -7% | 16% | 1.42× | 20.0% | 15.6% |
| Home BancShares HOMB | United States | $5.97B | +12% | +2% | 11% | 1.31× | 10.2% | 11.1% |
| Qilu Bank 601665.SS | China | $6.02B | +2% | +1% | 12% | 0.75× | 3.2% | 12.2% |
| Bank of Changsha 601577.SS | China | $6.03B | 0% | -9% | 11% | 0.52× | 2.8% | 11.1% |
| ServisFirst Bancshares SFBS | United States | $4.49B | +2% | +5% | 18% | 2.21× | 17.2% | 17.9% |
| United Community Banks UCB | United States | $4.43B | +11% | -18% | 4% | 1.26× | 10.9% | 4.1% |
| Bendigo & Adelaide Bank BEN.AX | Australia | $4.36B | +5% | -6% | 6% | 0.93× | 11.0% | 5.6% |