Eastern Bankshares (EBC) Stock Analysis & Winston Score

Eastern Bankshares, Inc. operates as the bank holding company for Eastern Bank that provides banking products and services primarily to retail, commercial, and small business customers. It operates in two segments, Banking Business and Insurance Agency Business. The company provides interest-bearing and non interest-bearing checking deposits, money market deposits, savings deposits, and time certificates of deposits, as well as debit and credit cards. It also offers commercial and industrial loa

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

>+1,000% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

+126.6% YoY

YoY Growth Rate

Strong earnings growth

Insider Activity

11.8%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Runway

~2 years

$111M cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

$111M cash & investments at current burn rate

Revenue accelerating

Eastern Bankshares grew revenue 1206% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

73.9%

Premium pricing power — 73.9% gross margin

Operating Margin

21.7%

Excellent — 21.7% operating margin

ROCE

1.7%

Weak — 1.7% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+62.5%

Fast-growing sales (62.5% YoY)

EPS YoY

N/A

Data not available

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

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Cash Flow

Cash Conversion

101%

Turns 101% of profit into real cash

FCF Margin

25.1%

Converts sales into free cash efficiently (25.1%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.17

Conservative — low debt load (0.17)

Interest Cover

1.05x

Dangerous — barely covers interest (1.1x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

P/E Ratio (TTM)

12.6x

no trend

Attractive valuation — P/E 12.6

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

+0.6

GROWING

Earnings roughly flat

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Dividends

Dividend Yield

2.41%

no trend

Moderate income — 2.41% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

+12.5%

no trend

Dividend growing fast (12.5% YoY)

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