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EBC

Eastern BanksharesC
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Stronger-than-expected NIM expansion, stable credit performance, and modestly accretive M&A drive shares materially above consensus, validating a higher multiple.
Posture
Mixed
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +4.3.
What can break
Deposit outflows or higher-cost funding pressure
Momentum
44
Value
50
Sentiment
63
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $21.90 · Bull $25.00 · Bear $18.00Analysis 2026-01-24; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-10 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-24 • Model: RankAlpha Sentiment AI
Investment thesis
As of 2026-09-10

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-10. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $25.13
Why
Momentum44 · Δ7d -2.5
Value50 · Δ7d +8.1
Sentiment63 · Δ7d +4.3
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta +4.3.

Contradictions & invalidation

  • • Deposit outflows or higher-cost funding pressure
  • • Localized credit deterioration requiring reserve builds
  • • Prolonged NIM compression or reserve build from localized credit weakness leads to earnings misses and multiple contraction, pushing the stock below recent analyst lows.

Catalyst clock

2026-04-24

Quarterly earnings release and guidance update

Lead driver: Sentiment · See AI snapshot
Momentum
44
9% active weight
Current posture
7d trendSoftening
Δ7d
-2.5
Δ21d
-15.0
Value
50
28% active weight
Current posture
7d trendImproving
Δ7d
+8.1
Δ21d
+8.2
Sentiment
63
62% active weight
Current posture
7d trendImproving
Δ7d
+4.3
Δ21d
+6.4
Why this grade

Composite grade C. Momentum 43.8 / Value 50.0 / Sentiment 62.6

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-01-24. Scenario method

B+
Bull case
20%
Probability
Target price
$25.00
Analysis reference price unavailable
Analysis 2026-01-24 · RankAlpha Sentiment AI
Most likely
B
Base case
60%
Probability
Target price
$21.90
Analysis reference price unavailable
Analysis 2026-01-24 · RankAlpha Sentiment AI
B-
Bear case
20%
Probability
Target price
$18.00
Analysis reference price unavailable
Analysis 2026-01-24 · RankAlpha Sentiment AI
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$5.4B
Beta
0.81
Shares Out
228.51M
P/E (TTM)
77.4
P/S (TTM)
6.96
P/FCF (TTM)
15.40
Rev YoY
+26.4%
EPS YoY
-4.7%
Gross Margin
-
Op Margin
+26.9%
Net Debt
$186.73M
Current Ratio
0.03
As of 2026-09-10 • Updated nightlySource: Internal modelMethods & Data