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EBC

Eastern BanksharesD
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Q3 EPS of $0.51 exceeded the $0.49 pre-release consensus cited by Zacks. Higher net interest income, lower operating expense, improved non-performing loans and Q3 repurchases support a constructive interpretation.
Posture
Defensive
Lead driver
Sentiment
What changed
3 setup hits (3d) with net bullish as of 2026-10-26.
What can break
Commercial loan closings have been slower than management anticipated; continued delays could weaken loan growth.
Momentum
52
Value
41
Sentiment
55
Setup hits (3d)
3 · Net Bullish
AI TargetsBase $24.00 · Bull $26.00 · Bear $18.00Analysis 2026-10-23; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-26 • Vendor: Data Vendor v1
Scores
As of 2026-10-26 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-23 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-26

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-26. Definitions

Supporting evidence
What
Grade D · Defensive
Confidence Medium · Net Bullish
Target $25.38
Why
Momentum52 · Δ7d +2.8
Value41 · Δ7d -0.1
Sentiment55 · Δ7d -1.3
So what
Weak posture (Net Bullish). Prioritize risk control and patience.

Confirming evidence

  • • 3 setup hits (3d) with net bullish as of 2026-10-26.
  • • Sentiment remains the lead driver in the composite, 7D delta -1.3.

Contradictions & invalidation

  • • Commercial loan closings have been slower than management anticipated; continued delays could weaken loan growth.
  • • Credit improvement may reverse, particularly if commercial real estate conditions deteriorate.
  • • The margin decline, higher deposit costs and slower commercial loan closings temper the beat.

Catalyst clock

2026-11-06

Q3 earnings beat, with a funding-cost offset

Lead driver: Sentiment · See AI snapshot
Momentum
52
8% active weight
Current posture
7d trendFlat
Δ7d
+2.8
Δ21d
+4.4
Value
41
47% active weight
Current posture
7d trendFlat
Δ7d
-0.1
Δ21d
-0.3
Sentiment
55
45% active weight
Current posture
7d trendSoftening
Δ7d
-1.3
Δ21d
-7.8
Why this grade

Composite grade D. Momentum 52.2 / Value 41.5 / Sentiment 55.3

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-23. Scenario method

B+
Bull case
25%
Probability
Target price
$26.00
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$24.00
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$18.00
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-26
Market Cap
$5.14B
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 2026-10-26 • Updated nightlySource: Internal modelMethods & Data