Eastern Bankshares Inc Dossier
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SectorFinancials IndustryBanks - Regional Beta (adjusted)0.78 Intrinsic Value Insufficient data for a value estimateNot enough reliable inputs to publish a fair value for this company yet. Market Price $21.08Price as of 1 Oct 2026 Data confidence Sign in to view data confidence Market Cap $4.8B Shares Outstanding 226.4M diluted Next Earnings Date22 Oct 2026 Last ex-dividend8 Sep 2026 All prices and values are periodic snapshots, not live quotes. Source dates are shown for reference. ThesisStreet consensus, scenarios, merits, risks, and invalidation triggers Thesis Summary Eastern Bankshares, Inc. (EBC) presents a compelling regional banking investment opportunity, driven by its successful scale expansion in New England through strategic mergers (Cambridge Trust and HarborOne) and a robust wealth management franchise. Despite near-term headwinds from elevated deposit competition and seasonal growth factors, EBC's strong capital position, expanding net interest margin (NIM) supported by fixed-asset repricing, and consistent dividend growth make it highly attractive. The bank's recent inclusion in the S&P SmallCap 600 index serves as a positive catalyst to broaden its institutional investor base. This section is the 12-month view: analyst targets and the probability-weighted scenarios built from them. The intrinsic value at the top of this page answers a different question: what the business is worth today. Street view · analyst 12-month targets Low · most bearish analyst$22.00 Mean target$25.13 High · most bullish analyst$27.00 Our research · scenarios, merits, risks, and invalidation triggersResearch as of 18 Sep 2026 Scenarios · 12-month scenario targets Bear CaseDownside scenario $22.0015% Intensified deposit competition in the New England market forces EBC to raise funding costs, compressing NIM below 3.50%. Integration delays or higher-than-anticipated non-operating merger costs weigh on profitability, while a broader economic slowdown leads to rising commercial real estate charge-offs. Base CaseCentral scenario $25.1360% Matches the consensus meanEBC successfully navigates deposit pricing pressures, maintaining a stable NIM around 3.60%-3.65%. Wealth management assets continue to grow steadily, and credit quality remains highly stable with non-performing loans well-controlled. Share repurchases continue under the authorized program, supporting steady EPS growth. Bull CaseUpside scenario $27.0025% Accelerated realization of cost synergies from the HarborOne and Cambridge Trust mergers, combined with faster-than-expected fixed-asset repricing, drives NIM expansion above 3.80%. Strong organic commercial loan growth and positive net flows in the wealth management division push EPS significantly ahead of consensus. Scenarios are anchored to street consensus at the research date, with our probabilities and rationale. Key Investment Merits
Key Investment Risks
Thesis Invalidation Triggers
All scenarios are estimates and subject to change. Past performance is not indicative of future results. Quality Pillars MembersThis section is available to registered members. Create a free account or sign in to unlock the full breakdown. Explore this dossierValuationIntrinsic value, the six-method breakdown, peer medians, and your assumptions sandbox.Financial SnapshotRevenue, profitability, returns, balance sheet, dividends, and the filing-level detail.Qualitative AnalysisBusiness overview, strategic initiatives, and mergers, acquisitions & partnerships.Outlook & Key DatesForward estimates, reporting calendar, and the monitoring framework. |