B+
Bull case
20%
Probability
Target price
$25.00
Analysis reference price unavailable
Analysis 2026-01-24 · RankAlpha Sentiment AI
EBC
Eastern BanksharesCNasdaq / Banks
Last Price
Quote time unavailable
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 +0.2.
What can break
Deposit outflows or higher-cost funding pressure
Momentum
43
Value
50
Sentiment
64
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 2026-09-11 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-24 • Model: RankAlpha Sentiment AI
Investment thesisAs of 2026-09-11
Investment thesis
As of 2026-09-11
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-11. Definitions
Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $25.13
Why
Momentum43 · Δ7d -1.3
Value50 · Δ7d +7.9
Sentiment64 · Δ7d +0.2
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.
Confirming evidence
- • Sentiment remains the lead driver in the composite, 7D delta +0.2.
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
43
9% active weight
Current posture
7d trendFlat
Δ7d
-1.3
Δ21d
-18.2
Value
50
28% active weight
Current posture
7d trendImproving
Δ7d
+7.9
Δ21d
+7.9
Sentiment
64
62% active weight
Current posture
7d trendFlat
Δ7d
+0.2
Δ21d
+5.8
Why this grade
Composite grade C. Momentum 43.2 / Value 49.7 / Sentiment 63.8
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-01-24. Scenario method
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
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 2026-09-11 • Updated nightlySource: Internal modelMethods & Data