Yahoo! Finance Canada report covering Eastern Bankshares Inc. (EBC) market action, institutional positioning, and fundamental catalysts.
Why EBC Stock slipped -1.10% Today — RQD Quant Desk Flash
Eastern Bankshares Inc. (EBC) carries a Roarable Rating of C+ (Hold) with 69/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
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Is EBC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-02, Eastern Bankshares Inc. (NASDAQ: EBC) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $22.39 (-1.10% 1D, market cap $5.17B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 15/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 14/20, and SEC Balance-Sheet Forensics 12/20. Across 1096 tracked Financials issuers, EBC ranks #152 in composite RQD confidence.
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does EBC compare to AX and TFSL in the Financials sector?
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Within the Financials sector (Savings Institutions), EBC carries a Roarable C+ (69/100 RQD), trailing P/E of 58.6x, gross margin of —, and ROIC of 0.7%. By comparison, AX (Axos Financial Inc.) holds a C+ grade (68/100 RQD, P/E 12.2x, ROIC 14.8%, cap $5.26B) and TFSL (TFS Financial Corporation) posts a D+ grade (52/100 RQD, P/E 51.7x, ROIC 4.8%, cap $4.70B). Among the 5-stock peer group, PFS leads on earnings multiple (10.4x) while AX leads on capital efficiency (14.8% ROIC).
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for EBC?
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Per EBC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001810546), Eastern Bankshares Inc. generated $134.1M in revenue (+19.1% YoY), $88.2M in net income, and $426.4M in free cash flow against $30.59B in total assets and $11.81B in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side.. Primary risk factors monitored: Priced at 59x earnings—high expectations leave less room for a lukewarm quarter.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
20D Institutional Volume Accumulation (±4% realized swing band)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9
Cannibal Buyback (-1.24% YoY Shares) & executive Form 4 sales trim 8 pts from alignment
⚔️ Adversarial Opposing Case: Why the EBC Bull Thesis Could Fail
Even with a 69/100 (C+) score, EBC faces multiple-compression risk if 58.6x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Priced at 59x earnings—high expectations leave less room for a lukewarm quarter.
Dilution & Margin Drag: Cannibal Buyback (-1.24% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($21.68) or 200D SMA ($21.09) invalidates the momentum regime and cuts Target Base ($23.50) toward Bear Floor ($18.33).
Why EBC Stock slipped -1.10% Today — RQD Quant Desk Flash
Eastern Bankshares Inc. (EBC) slipped -1.10% to $22.39, trading at 81% of its 52-week range ($16.65 – $23.77). Solid steady margins (1% return on capital), mixed timing at 59x P/E—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 81% of its 52-week range ($16.65 – $23.77) with RSI-14 at 64.9 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±4% around $22.39 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C+ (Hold) backed by 52% gross margin and $426.4M annual free cash flow.
ChartMill report covering Eastern Bankshares Inc. (EBC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Eastern Bankshares Inc. (EBC) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Eastern Bankshares Inc. (EBC) market action, institutional positioning, and fundamental catalysts.
The Globe and Mail report covering Eastern Bankshares Inc. (EBC) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Eastern Bankshares Inc. (EBC) market action, institutional positioning, and fundamental catalysts.
Quiver Quantitative report covering Eastern Bankshares Inc. (EBC) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Eastern Bankshares Inc. (EBC) market action, institutional positioning, and fundamental catalysts.
BOSTON, October 29, 2026--Eastern Bank is pleased to announce it has led the financing for High Tide Capital LLC’s historic redevelopment of The Day Building in downtown New London, Connecticut. Eastern is providing $16.
Regional banking company Eastern Bankshares (NASDAQ:EBC) missed Wall Street’s revenue expectations in Q3 2026, but sales rose 22.3% year on year to $299.7 million. Its non-GAAP profit of $0.51 per share was 3.8% above an
Scheduled RQD Strong Buys & Whale Accumulation Briefing (EBC Tape Review)
- ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
- ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
- ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
EBC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +19.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on EBC today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for EBC. Explore sector supply chains on /butterfly.
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (EBC)
1. Head-to-Head Financials Peer Comparison (EBC vs. AX, TFSL, BKU, PFS)
Industry: Savings Institutions (33 Tracked Issuers)Across 1096 tracked Financials securities in the Roarable RQD universe, Eastern Bankshares Inc. (EBC) ranks #152 by composite RQD confidence (69/100, grade C+) and #271 by equity capitalization ($5.17B). Within this direct 5-issuer industry benchmark cohort, PFS leads on earnings valuation at 10.4x trailing P/E, while AX leads on capital efficiency and profitability with 14.8% ROIC and — gross margin. EBC currently leads its immediate peer cohort in composite quantitative strength at 69/100 (C+).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| EBC
ACTIVE
Eastern Bankshares Inc. | C+ | 69/100 | 58.6x | — | 0.7% | -1.10% | $5.17B | Benchmark Subject |
| AX Axos Financial Inc. | C+ | 68/100 | 12.2x | — | 14.8% | -2.35% | $5.26B | /ax-vs-ebc → |
| TFSL TFS Financial Corporation | D+ | 52/100 | 51.7x | — | 4.8% | -1.97% | $4.70B | /tfsl-vs-ebc → |
| BKU BankUnited Inc. | D+ | 54/100 | 11.5x | — | 8.8% | -0.92% | $3.09B | /bku-vs-ebc → |
| PFS Provident Financial Services Inc | C+ | 68/100 | 10.4x | — | 10.3% | -0.99% | $3.02B | /pfs-vs-ebc → |
2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)
SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001810546In its most recent audited fiscal period (FY2025, filed 2025-12-31), Eastern Bankshares Inc. (EBC) reported GAAP revenue of $134.1M (+19.1% vs. FY2024 revenue of $112.6M , and +74.4% cumulative change since FY2023) , GAAP net income of $88.2M, operating cash flow of $432.4M, and free cash flow of $426.4M (+53.0% YoY). On the balance sheet, EBC closed FY2025 with $30.59B in total assets against $11.81B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 7/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $134.1M | $88.2M | $432.4M | $426.4M | $30.59B | $11.81B |
| FY2024 (FY) | 2024-12-31 | $112.6M | $119.6M | $283.8M | $278.8M | $25.56B | $9.88B |
| FY2023 (FY) | 2023-12-31 | $76.9M | $232.2M | $261.7M | $258.2M | $2.85B | $665.8M |
3. EBC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)
✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLEDIs EBC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-02, Eastern Bankshares Inc. (NASDAQ: EBC) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $22.39 (-1.10% 1D, market cap $5.17B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 15/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 14/20, and SEC Balance-Sheet Forensics 12/20. Across 1096 tracked Financials issuers, EBC ranks #152 in composite RQD confidence.
How does EBC compare to AX and TFSL in the Financials sector?
Within the Financials sector (Savings Institutions), EBC carries a Roarable C+ (69/100 RQD), trailing P/E of 58.6x, gross margin of —, and ROIC of 0.7%. By comparison, AX (Axos Financial Inc.) holds a C+ grade (68/100 RQD, P/E 12.2x, ROIC 14.8%, cap $5.26B) and TFSL (TFS Financial Corporation) posts a D+ grade (52/100 RQD, P/E 51.7x, ROIC 4.8%, cap $4.70B). Among the 5-stock peer group, PFS leads on earnings multiple (10.4x) while AX leads on capital efficiency (14.8% ROIC).
What are the biggest fundamental strengths and SEC risk factors for EBC?
Per EBC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001810546), Eastern Bankshares Inc. generated $134.1M in revenue (+19.1% YoY), $88.2M in net income, and $426.4M in free cash flow against $30.59B in total assets and $11.81B in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side.. Primary risk factors monitored: Priced at 59x earnings—high expectations leave less room for a lukewarm quarter.. Institutional options positioning shows a 50% call / 50% put premium split.
Where is EBC trading relative to its 50-day, 200-day, and 52-week technical levels?
EBC last traded at $22.39 (-1.10% on volume of 1,723,271 shares), positioning the stock +3.27% above its 50-day simple moving average ($21.68) and +6.16% above its 200-day simple moving average ($21.09). Across its 52-week range of $16.65 to $23.77, EBC sits at the 80.6% percentile with a 14-day RSI of 64.9 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.0% ($21.49 to $23.29).
EBC Investor FAQ & Complete 8-Part Research Index
100% OPEN ACCESS • SEC EDGAR × CBOE × FREDWhy is EBC stock moving today?
Why EBC Stock slipped -1.10% Today — RQD Quant Desk Flash. Solid steady margins (1% return on capital), mixed timing at 59x P/E—hold if owned, no rush to chase.
EBC — Eastern Bankshares Inc.: What the Facts Mean to a Prospective Investor
Roarable Rating Brief: What This Means to a Prospective Investor
Per the Roarable RQD rating, EBC scores 69 out of 100 (letter grade C+, verdict "Roarable Hold — Upper Neutral / Watch for Breakout"). The five pillars are:
- Fundamental Cash Engine: 13 / 20. Cited as ROIC 0.7% and FCF yield 8.24%. The low ROIC indicates weak return on invested capital, while the FCF yield is a comparatively supportive element of the score.
- Whale / 13F Flow: 15 / 20. Described as institutional accumulation and options positioning. Specific holder data is not available in source data.
- Insider Conviction: 12 / 20. Described as an SEC Form 4 and Congressional PTR cluster flow. Specific transactions are not available in source data.
- Macro Regime Fit: 14 / 20. Cited as Beta 1.12 and sector sensitivity.
- Forensic Balance Sheet: 15 / 20. Cited as Altman Z 2.5, Piotroski F 7/9, and Debt/Equity 0.5.
For a prospective investor, the rating reads as a middle-of-the-range profile: the balance sheet and forensic pillar and the whale-flow pillar are the strongest contributors, while insider conviction and cash-engine economics weigh on the score. The verdict's "watch for breakout" language signals that the rating frames EBC as a name to monitor rather than one with a decisive directional signal. Valuation is a key tradeoff: per the market data, P/E (TTM) is 58.6 and EV/EBITDA is 95, which are elevated relative to the 0.7% ROIC shown. Upside drivers would need to come from earnings expansion, since the current multiple already embeds substantial growth expectations. This is educational analysis, not personalized financial advice.
Snapshot
Business
Eastern Bankshares Inc. (EBC) is a NASDAQ-listed issuer in the Financials sector, operating in the Savings Institutions industry, per the company profile. The source data does not describe its products, customer base, or specific revenue model beyond sector and industry classification. Per the market data, the company reports a 65.8% net margin and 75% operating margin. Market capitalization is $5.2B per the profile.
Financial Trend
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $134.1M | $104.1M | $88.2M | N/A | $426.4M | N/A | $11810.8M |
| FY 2024 | $112.6M | $141.1M | $119.6M | N/A | $278.8M | N/A | $9875.7M |
| FY 2023 | $76.9M | $274.0M | $232.2M | N/A | $258.2M | N/A | $665.8M |
Per the SEC financials, net income declined from $232.2M in FY 2023 to $119.6M in FY 2024 and $88.2M in FY 2025, while reported debt rose from $665.8M to $11810.8M over the same span. FCF increased from $258.2M to $426.4M. Per the Roarable RQD rating, the Altman Z-Score is 2.5 and the Piotroski F-Score is 7/9, with Debt/Equity of 0.5. Per the market data, ROIC is 0.7%, which is low despite strong reported margins.
Recent Catalysts & News Wire Analysis
Per the recent news feed, the headlines are dominated by market-wire and earnings-related coverage:
- A Q3 2026 earnings beat was reported, with the stock described as flat after hours (ChartMill, the highest-impact item in the feed).
- Earnings previews and an earnings call presentation for Q3 2026, dated 2026-10-23, were published (Yahoo Finance and Seeking Alpha).
- Barclays was reported as maintaining a Hold rating on EBC (The Globe and Mail).
- Estimates coverage from TradingView and a general quote/history page from Yahoo! Finance Canada were also listed.
Risk watch items: the news feed does not describe the earnings figures, guidance, or the substance behind the headlines. Per the butterfly graph, there are no proprietary signals.
Butterfly Effect: 2nd-Order Supply-Chain & Sector Ripples
Per the Butterfly Supply-Chain Graph, the supply chain is "NONE," with no butterfly links and no proprietary signals. Upstream and downstream dependencies, sector correlations, and second-order bottlenecks are not available in source data. The only sector-level context provided is classification within Financials / Savings Institutions and the Beta of 1.12 per the market data.
Open Questions
- What drove the jump in reported debt from $665.8M in FY 2023 to $11810.8M in FY 2025, and how does it relate to the decline in net income?
- Why is ROIC only 0.7% despite a 65.8% net margin, and what capital base is the denominator?
- What were the actual Q3 2026 earnings figures and guidance behind the reported "beat"?
- What specific institutional, options, and insider transactions underlie the whale-flow and insider-conviction pillar scores?
- What is the company's core business mix and revenue composition, given that the source data does not describe it?
EBC Live News Feed, Press Releases & Catalyst Wire
Real-time company headlines, analyst actions, and sector developments for Eastern Bankshares Inc. (EBC) • Click "Debate This Headline" to argue it in the Roar Pit below
Yahoo! Finance Canada report covering Eastern Bankshares Inc. (EBC) market action, institutional positioning, and fundamental catalysts.
ChartMill report covering Eastern Bankshares Inc. (EBC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Eastern Bankshares Inc. (EBC) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Eastern Bankshares Inc. (EBC) market action, institutional positioning, and fundamental catalysts.
The Globe and Mail report covering Eastern Bankshares Inc. (EBC) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Eastern Bankshares Inc. (EBC) market action, institutional positioning, and fundamental catalysts.
Quiver Quantitative report covering Eastern Bankshares Inc. (EBC) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Eastern Bankshares Inc. (EBC) market action, institutional positioning, and fundamental catalysts.
EBC Bull vs. Bear Conversation Board — What's Your Call at $22.39?
🔥 Official Bull vs. Bear Debate: Is EBC (C+ • RQD 69/100) a Buy at $22.64?
Welcome to the EBC (Eastern Bankshares Inc.) Roar Pit. Current RQD Composite is 69/100 (Roarable Hold — Upper Neutral / Watch for Breakout) in Savings Institutions. Bulls point to operating leverage and sector positioning, while bears focus on valuation multiple compression (58.6x trailing P/E). Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Pump the brakes on EBC — check the valuation vs. margin headwinds
Everyone in here is repeating the bull case on EBC, but look at what you are paying: 58.6x trailing P/E with tightening sector spreads. Unless Eastern Bankshares Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
EBC cash flow & RQD setup is being underpriced by the Street here
Looking at the 5-pillar RQD breakdown on EBC, the market is fixating on short-term headline noise in Savings Institutions and ignoring the balance sheet and cash flow trajectory. At $22.64 (52-wk range $16.65 - $23.77), any beat on forward guidance forces shorts and underweight funds to chase.