Eastern Bankshares, Inc. (EBC)

合理估值

Financial ServicesBanks - RegionalUnited States

基本面

价格

$20.93

市值

$4.78B

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第一部分 · 这家公司值多少

概览

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 in the United States. The company offers deposit accounts, interest checking accounts, money market accounts, savings accounts, and time certificates of deposit accounts. It also provides commercial and industrial products, 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 offers 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.

No editorial profile for this company yet

Direct competitors

Who this company fights with for the same customers

Compare

Generated on 2026年9月18日 with claude-haiku-4-5 — shared with all users

Independent Bank Corp.INDB

P/E: 14.0Score: 63Market cap: $3.68B

Rockland Trust is the other large Massachusetts-headquartered commercial bank of comparable size, chasing the same small- and mid-sized business borrowers, retail deposits and wealth-management clients across Greater Boston, the South Shore and Rhode Island.

Citizens Financial Group IncCFG

P/E: 13.9Score: 79Market cap: $27.29B

Citizens holds the second-largest deposit share in the Boston market and competes head-on with Eastern for household checking accounts, small-business relationships and middle-market commercial credit across New England.

Beacon Financial Corporation (Beacon Bank & Trust, formerly Berkshire Hills Bancorp and Brookline Bancorp)BBT

Born in September 2025 from the merger of Berkshire Hills and Brookline, Beacon is a roughly $24 billion New England bank headquartered in Boston, overlapping with Eastern branch by branch on commercial lending and deposits in eastern Massachusetts and Rhode Island.

NB Bancorp, Inc. (Needham Bank)NBBK

Needham Bank is a fast-growing Greater Boston commercial lender targeting the same local businesses, construction and commercial-real-estate borrowers that Eastern serves in the suburbs west and south of the city.

Middlesex Savings BankNot tracked

A large mutual savings bank with no shareholders and a dense branch network in the Boston suburbs, it competes with Eastern for exactly the same retail deposits and small-business lending in Middlesex and Norfolk counties.

信息来源: Eastern Bankshares, Inc. — Form 10-K for fiscal year 2025 Eastern Bankshares, Inc. and HarborOne Bancorp, Inc. Announce Merger to be Effective on November 1, 2025 Beacon Financial Corporation Completes Merger of Equals between Berkshire Hills Bancorp and Brookline Bancorp NB Bancorp, Inc. — Form S-4 (2025), description of Needham Bank's business and market area

资产负债表与流动性

营收

$1.12B

最近12个月（截至2026/6/30）

净利润

$376M

最近12个月（截至2026/6/30）

自由现金流

股东权益合计

$4.34B

负债合计

$26.25B

流动比率

利息覆盖率

0.43

债务/EBITDA

每股收益

营收与净利润

自由现金流

收入构成

历史财务表

利润率变化

债务变化

增长一览表

增长 — 营业收入

公允价值估算

银行合理估值

公允价值

$21.13

当前价格

$20.93

安全边际

+0.9%

公允价值区间

$18.50 - $23.76

所用估值方法之间的离散区间，并非经过统计校准的置信区间。

估算方法

分析师目标价:$25.13

现金流折现法（DCF）:不适用于此类公司

市盈率法（P/E）:$18.86

格雷厄姆成长公式:不适用于此类公司

盈利能力价值（EPV）:不适用于此类公司

合理市净率（P/B）:$19.64

股息折现模型（戈登模型）:数据不足，无法计算

P/FFO（运营资金）:不适用于此类公司

周期中段收益:不适用于此类公司

市销率法（P/S）:不适用于此类公司

分析师共识:买入 (9B / 3H / 0S)

最近财报超预期:+5.01%

估值指标

市盈率（P/E）

11.76

ROE

2.0%

市净率（P/B）

1.12

P/FCF

毛利率

ROIC

盈利能力雷达图

价值创造（经济护城河）

ROIC

WACC

9.1%

ROIC − WACC

基本面分析标准

通过（10）

EPS shows upward trend
P/B Ratio 1.12
Operating Margin 35.8%
Low reliance on intangibles
Price below Graham Number
ROE 9.0%
Analyst Consensus 75% Buy
PEG Ratio 0.41
Earnings Quality (OCF/NI) 1.08
Net Margin Trend 33.5% vs -10.2%

未通过（8）

Price CAGR 4.42%
Debt/Equity ratio
Interest Coverage
Return on Tangible Assets
DCF valuation (Unknown)
Earnings Surprise avg -2.2%
Share Dilution 13.3%
Piotroski F-Score 4/9

不可用（9）

ROIC NaN%
Gross Margin NaN%
P/FCF NaN
Dividend Payout NaN%
Positive Free Cash Flow
CapEx intensity
Current Ratio
Debt/EBITDA
Revenue Growth 5Y (Finnhub)

Piotroski F-评分

4/9

信号混杂：部分领域需关注

score

criteria

盈利质量

1.08

高质量：盈利有现金流支撑

股权稀释

13.3%

正在发行新股，稀释所有权

机构持股

公司治理

管理团队

姓名	职位	年龄
Mr. Robert Francis Rivers	Executive Chairman of the Board	60
Mr. Denis K. Sheahan	CEO & Director	59
Mr. Quincy Lee Miller	President, Member of Advisory Board & COO	50
Mr. R. David Rosato C.F.A.	CFO & Treasurer	63
Mr. Donald Michael Westermann	Executive VP & Chief Information Officer	47
Mr. Andrew S. Hersom	Senior VP & Head of Investor Relations	-
Ms. Kathleen Cloherty Henry Esq.	Executive VP, General Counsel & Corporate Secretary	52
Mr. Andrew J. Ravens	Corporate Communications Manager	-
Ms. Danielle F. Remis Hackel	Executive VP & Chief Marketing Officer	55
Ms. Jennifer Wambold	Executive VP & Chief People Officer	-

审计风险

董事会风险

薪酬风险

股东权利风险

第二部分 · 价格与买入时机

这一部分不判断公司是否值得拥有：它帮助你在基本面说服你之后，选择何时买入。包含：技术分析、潜力、历史回撤、Gamma 敞口。

文件

年度报告（10-K）
对公司业务、财务业绩和风险的年度概述。
提交日期：2026-03-02
查看文件
季度报告（10-Q）
最近三个月财务表现的最新情况。
提交日期：2026-08-07
查看文件
临时报告（8-K）
关于重大事件（如管理层变动或重要公告）的通知。
提交日期：2026-07-23
查看文件

via SEC EDGAR

损益历史

via SEC EDGAR

Latest News

Recent headlines for EBC, sourced from Markets Gazette.

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