Eastern Bankshares, Inc. (EBC)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
$22.73-2.49%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
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 is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -0.8% |
| Our one-year growth estimate | diamond | -1.2% |
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 2026-11-05.
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 0.5 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-05 · Compared with 230 industry peers · Company calendar date is not available
EBC — dividend update
Dated 2026-10-22
Regulation FD Disclosure. In the press release announcing the Company's earnings for the quarter ended September 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 December 21, 2026 to shareholders of record as of the close of business on December 7, 2026. In connection with issuing such press release, the Company posted an investor presentation in the “Presentations” section of the Company’s investor relat…
Why it matters: Loans grew 1.1% in Q3. Slower growth would weaken the recent lending trend.
Worry ifQ4 period-end loans grow less than 1.1% from Q3, or decline.
Less concerning ifQ4 period-end loans grow at least 1.1% from Q3.
Why it matters: Deposits rose 0.4% in Q3 despite seasonal outflows. Faster growth would support lending without relying more on costly funds.
Supportive ifQ4 period-end deposits grow more than 0.4% from Q3, with core deposits also rising.
Worry ifQ4 period-end deposits are flat or lower, or core deposits fall.
Why it matters: Non-performing loans fell for three straight quarters after the HarborOne merger. A rise would break that improving trend.
Worry ifQ4 non-performing loans exceed $84.8 million, or rise above 0.36% of loans.
Less concerning ifQ4 non-performing loans fall below $84.8 million and stay at or below 0.36% of loans.
Why it matters: The board set a $0.15 per-share dividend. Payment on the stated date would confirm the current cash return plan.
Supportive ifEastern pays $0.15 per share on December 21, 2026, to holders of record on December 7.
Worry ifEastern cancels, delays, or cuts the $0.15 per-share payment before December 21.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$82 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $202 loss on $10,000 · 2.0% | 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: The margin fell to 3.62% in Q3 as deposit costs rose. A further drop would point to more pressure on bank earnings.
Worry ifQ4 FTE net interest margin falls below 3.62%.
Less concerning ifQ4 FTE net interest margin is at least 3.62%.