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Upturn AI SWOT - About
EBC 
Eastern Bankshares Inc (EBC)
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Upturn Advisory Summary
03/13/2025: EBC (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -20.77% | Avg. Invested days 33 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/13/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.48B USD | Price to earnings Ratio 24.73 | 1Y Target Price 21 |
Price to earnings Ratio 24.73 | 1Y Target Price 21 | ||
Volume (30-day avg) 1063506 | Beta 0.94 | 52 Weeks Range 11.88 - 19.14 | Updated Date 03/30/2025 |
52 Weeks Range 11.88 - 19.14 | Updated Date 03/30/2025 | ||
Dividends yield (FY) 2.94% | Basic EPS (TTM) 0.66 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 18% | Operating Margin (TTM) 57.25% |
Management Effectiveness
Return on Assets (TTM) 0.51% | Return on Equity (TTM) 3.63% |
Valuation
Trailing PE 24.73 | Forward PE 10.81 | Enterprise Value 2476090368 | Price to Sales(TTM) 5.25 |
Enterprise Value 2476090368 | Price to Sales(TTM) 5.25 | ||
Enterprise Value to Revenue 4.55 | Enterprise Value to EBITDA - | Shares Outstanding 198216000 | Shares Floating 182735785 |
Shares Outstanding 198216000 | Shares Floating 182735785 | ||
Percent Insiders 1.04 | Percent Institutions 76.92 |
Analyst Ratings
Rating 4 | Target Price 19.5 | Buy 2 | Strong Buy 1 |
Buy 2 | Strong Buy 1 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Eastern Bankshares Inc
Company Overview
History and Background
Eastern Bankshares, Inc. was founded in 1818 as Salem Savings Bank. It converted to a stock company in 2020 and began trading as EBC on the Nasdaq. Its history is rooted in community banking, serving individuals and businesses in the Greater Boston area.
Core Business Areas
- Commercial Banking: Offers a range of financial services to businesses, including commercial lending, treasury management, and deposit accounts.
- Retail Banking: Provides banking services to individuals, including checking and savings accounts, mortgages, personal loans, and investment services.
- Wealth Management: Offers wealth management and investment advisory services to high-net-worth individuals and families.
Leadership and Structure
Eastern Bankshares is led by a board of directors and a senior management team. The organizational structure consists of various departments overseeing commercial banking, retail banking, wealth management, and other support functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers loans to businesses for various purposes, including working capital, equipment financing, and real estate. Market share data is not publicly available but the market is highly competetive, Competitors include Bank of America (BAC), Citizens Financial Group (CFG) and smaller regional banks.
- Mortgages: Provides residential mortgage loans to individuals. Market share data varies regionally and national competitors include Wells Fargo (WFC) and JP Morgan Chase (JPM).
- Checking and Savings Accounts: Offers various deposit accounts for individuals and businesses. Market share data is not publicly available.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic cycles. Digitalization and fintech are impacting the industry significantly.
Positioning
Eastern Bankshares is a regional bank primarily serving the Greater Boston area. Its competitive advantages include its strong community ties, local expertise, and focus on relationship banking.
Total Addressable Market (TAM)
The TAM for banking services in Eastern Bankshares' region is substantial, encompassing individuals and businesses requiring financial services. Eastern Bankshares aims to capture a significant portion of this market through its various offerings.
Upturn SWOT Analysis
Strengths
- Strong brand recognition in the Greater Boston area
- Established customer base
- Experienced management team
- Strong community ties
Weaknesses
- Limited geographic footprint compared to larger national banks
- Reliance on a specific regional economy
- Higher operating costs associated with local focus.
Opportunities
- Expansion into new markets within New England
- Increased adoption of digital banking technologies
- Growing demand for wealth management services
- Partnerships with Fintech Companies
Threats
- Increased competition from national banks and online lenders
- Rising interest rates and potential economic downturns
- Regulatory changes and compliance costs
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- BAC
- CFG
- SNV
- TFC
Competitive Landscape
Eastern Bankshares benefits from its local presence and community focus, allowing it to build strong customer relationships. However, it faces competition from larger national banks with greater resources and wider product offerings. Competition is increasing with the emergence of online banking solutions.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Discuss historical growth trends based on past financial performance. Data required.
Future Projections: Provide analyst estimates for future growth. Data required.
Recent Initiatives: Highlight recent strategic initiatives, such as branch expansions or technology investments.
Summary
Eastern Bankshares is a regional bank with a strong presence in the Greater Boston area. Its focus on community banking and local expertise provides a competitive advantage. However, it faces challenges from larger national banks and the increasing digitalization of the banking industry. Strategic initiatives and expansion may be required to accelerate the growth trajectory and ensure long-term sustainability. Overall, Eastern Bankshares shows reasonable fundamentals but should be monitored closely.
Similar Companies
- BAC
- CFG
- SNV
- TFC
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings (10-K, 10-Q)
- Analyst Reports
- Market Research Reports
Disclaimers:
This analysis is based on available information and assumptions. Actual results may vary. Not financial advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Eastern Bankshares Inc
Exchange NASDAQ | Headquaters Boston, MA, United States | ||
IPO Launch date 2020-10-15 | CEO & Director Mr. Denis K. Sheahan | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1998 | Website https://www.easternbank.com |
Full time employees 1998 | Website https://www.easternbank.com | ||
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. The company provides deposit accounts, interest checking accounts, money market accounts, savings accounts, and time certificates of deposit accounts. It also offers commercial and industrial, 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 provides 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.
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