Eastern Bankshares, Inc. (EBC)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$22.24+0.72%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · EBC
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance recently climbed back into the top half of its industry — confirming the recovery.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -11.8% |
| Our one-year growth estimate | diamond | -1.5% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 10.3 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 219 industry peers
EBC — dividend update
Dated 2026-07-23
Regulation FD Disclosure. In the press release announcing the Company's earnings for the quarter ended June 30, 2026, the Company announced the approval by its Board of Directors of a regular quarterly cash dividend of $0.15 per share payable on September 22, 2026 to shareholders of record as of the close of business on September 8, 2026. In connection with issuing such press release, the Company posted an investor presentation in the “Presentations” section of the Company’s investor relation…
Why it matters: Slower growth in wealth management fees may show issues in the wealth business. This can affect total revenue.
Worry ifWealth management fees grow less than 10% year over year in Q3 2026.
Less concerning ifWealth management fees grow at or above 10% year over year in Q3 2026.
Why it matters: News about the share repurchase program can show management's trust in the company's value and future.
Supportive ifManagement announces the end of the share repurchase program or new plans.
Worry ifNo news or delays about the share repurchase program are shared.
Why it matters: If non-performing loans go up, it may show credit quality problems after the merger.
Worry ifNon-performing loans exceed 0.60% of total loans in Q3.
Less concerning ifNon-performing loans remain below 0.60% of total loans in Q3.
Why it matters: An increase in non-performing loans could indicate rising credit risk. This impacts asset quality.
Worry ifNon-performing loans rise above 0.50% of total loans. This signals credit issues.
Less concerning ifNon-performing loans stay below 0.50%. This shows strong asset quality.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$84 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $235 loss on $10,000 · 2.4% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,503 loss on $10,000 · 15.0% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: A drop in wealth management assets could mean less client engagement and bad market conditions.
Worry ifWealth management assets fall below $11 billion in Q3.
Less concerning ifWealth management assets remain at or above $11 billion.
Why it matters: More non-performing loans could show worse asset quality and higher credit risk.
Worry ifNon-performing loans exceed $120 million in Q3.
Less concerning ifNon-performing loans are still under $120 million.
Why it matters: Better efficiency helps manage costs. This is important for making more money in the future.
Supportive ifManagement says the efficiency ratio is much better than in past quarters.
Worry ifThe efficiency ratio gets worse or stays the same.
Why it matters: Keeping or raising the dividend shows strong cash flow and care for shareholders.
Supportive ifThe company raises the dividend or keeps it at $0.15.
Worry ifThe company cuts the dividend or suspends it.
Why it matters: A drop in net interest margin may show profit pressure from funding costs.
Worry ifNet interest margin falls below 3.66% in Q3.
Less concerning ifNet interest margin stays above 3.66% in Q3.
Why it matters: A higher efficiency ratio means costs are rising and profits are going down.
Worry ifEfficiency ratio exceeds 54.3% in Q3.
Less concerning ifEfficiency ratio gets better below 54.3% in Q3.
Why it matters: A strong commercial loan pipeline shows future loan growth and money-making chances.
Supportive ifCommercial loan pipeline exceeds $1 billion at the end of Q3.
Worry ifThe commercial loan pipeline is now below $800 million.
Why it matters: Keeping the dividend shows the company is stable. It also shows a promise to return money.
Supportive ifThe quarterly dividend remains at $0.15 per share for Q3.
Worry ifThe dividend is cut below $0.15. This indicates possible financial strain.
Why it matters: Finishing the share buyback shows strong capital return plans. It also shows management's confidence.
Supportive ifCompletion of the current share repurchase program by mid-2026.
Worry ifShare repurchase program remains incomplete past mid-2026.
Why it matters: If revenue growth falls below its median, it could indicate a slowdown in the financial sector. This would impact investor sentiment.
Worry ifRevenue growth drops below its median level in the next quarter.
Less concerning ifRevenue growth remains above the median level.
Why it matters: A higher net interest margin means loans make more money. This can help investor trust.
Supportive ifIn Q3, the net interest margin was over 3.66% on a fully tax equivalent basis.
Worry ifQ3 net interest margin falls below 3.63%.
Why it matters: A decrease in non-performing loans shows improved asset quality. This can enhance the bank's stability.
Supportive ifNon-performing loans drop below $109.4 million.
Worry ifNon-performing loans rise above $137.7 million.
Why it matters: Strong growth in commercial loans signals demand and can lead to higher revenues. This is crucial for future earnings.
Supportive ifQ3 commercial loan growth exceeds 1.4%.
Worry ifCommercial loan growth falls below 1.0%.