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Eastern Bankshares Inc. (EBC) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$22.93 +2.41% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $22.99

Eastern Bankshares Inc. (EBC) carries a Roarable Rating of C+ (Hold) with 68/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $5.12B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is EBC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Eastern Bankshares Inc. (NASDAQ: EBC) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 68/100 at a spot price of $22.93 (+2.41% 1D, market cap $5.12B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 15/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 12/20. Across 1097 tracked Financials issuers, EBC ranks #153 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does EBC compare to AX and TFSL in the Financials sector?
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Within the Financials sector (Savings Institutions), EBC carries a Roarable C+ (68/100 RQD), trailing P/E of 58.6x, gross margin of —, and ROIC of 0.7%. By comparison, AX (Axos Financial Inc.) holds a C grade (63/100 RQD, P/E 12.2x, ROIC 14.8%, cap $5.13B) and TFSL (TFS Financial Corporation) posts a D grade (50/100 RQD, P/E 51.7x, ROIC 4.8%, cap $4.61B). Among the 5-stock peer group, PFS leads on earnings multiple (10.4x) while AX leads on capital efficiency (14.8% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for EBC?
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Per EBC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001810546), Eastern Bankshares Inc. generated $134.1M in revenue (+19.1% YoY), $88.2M in net income, and $426.4M in free cash flow against $30.59B in total assets and $11.81B in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Priced at 59x earnings—high expectations leave less room for a lukewarm quarter. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
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INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $22.99 (+0.24%)🧬 Cannibal Buyback (-1.24% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 318% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 68/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.8% avg 90D alpha vs SPY • 56.9% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C+
025507510068
2-of-3 JEV AI Jury Bullish
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk B-
Cash (13)Whales (15)SEC (15)Macro (13)CEO (12)
Each axis scored 0–20
12M PRICE TARGET CONE+4.5% Base Target
$28 Bull$24 Base$19 Bear
📬 FREE EBC RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for EBC)Realized 20D OHLCV Swing Band: ±4%
Deterministic 5-Pillar Attribution (68/100 Composite)
🔍 WHY EBC SCORES 68/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Whale & Options Positioning+15/20 pts (22% of score)

20D Institutional Volume Accumulation (±4% realized swing band)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (22% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution12/20 pts (-8 pt drag)

Cannibal Buyback (-1.24% YoY Shares) & executive Form 4 sales trim 8 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
60
Grade C$20.83+3.3% Next Q
Q2 (-2Q)
63
Grade C+$21.51+4.7% Next Q
Q3 (-1Q)
65
Grade C+$22.52+1.8% Next Q
Current
68
Grade C+$22.93+1.8% Hist 90D α
Trajectory: C (60) → C+ (68)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the EBC Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 68/100 (C+) score, EBC faces multiple-compression risk if 58.6x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Priced at 59x earnings—high expectations leave less room for a lukewarm quarter.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.24% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($21.68) or 200D SMA ($21.11) invalidates the momentum regime and cuts Target Base ($23.96) toward Bear Floor ($18.69).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $EBC• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “EBC Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 68%NO 32%Trade / Inspect Odds →
VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How EBC Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$426.4M (318% FCF Margin)
Revenue$134.1MGross Profit $69.7M (52%)Cost of Sales $64.4MOp Profit $69.7M (52%)OpEx (R&D/SG&A) $0Net Profit$88.2M (65.8%)Tax/Other $0

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow
FY23
Rev $76.9M
FY24
Rev $112.6M
FY25
Rev $134.1M
Fiscal YearRevenueGross MarginOp MarginNet ProfitFree Cash FlowROIC %
FY 2025$134.1M52%77.6%$88.2M$426.4M0.6%
FY 2024$112.6M52%125.3%$119.6M$278.8M1%
FY 2023$76.9M52%356.4%$232.2M$258.2M12.6%
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring EBC)

  • ✓Walkthrough of EBC's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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EBC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +15.11%📐 HORIZONTAL RANGE
2026-11-03O $22.64H $22.93L $22.39C $22.93VOL 1.72M
RES: $25.36SUP: $19.63SMA50: $21.68SMA200: $21.11
$24.13$22.63$21.14$19.64$18.15RES $25.36SUP $19.63$22.932026-05-042026-06-182026-08-052026-09-212026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

EBC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 EBC Butterfly Map → + Track EBC →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
40.8%/yr Implied 5Y Growth

vs. +19.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on EBC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for EBC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for EBC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (EBC)

Financials Rank #153 of 1097 ⚔️ AX vs EBC Full Matrix →

1. Head-to-Head Financials Peer Comparison (EBC vs. AX, TFSL, BKU, PFS)

Industry: Savings Institutions (33 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Eastern Bankshares Inc. (EBC) ranks #153 by composite RQD confidence (68/100, grade C+) and #271 by equity capitalization ($5.12B). Within this direct 5-issuer industry benchmark cohort, PFS leads on earnings valuation at 10.4x trailing P/E, while AX leads on capital efficiency and profitability with 14.8% ROIC and — gross margin. EBC currently leads its immediate peer cohort in composite quantitative strength at 68/100 (C+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
EBC ACTIVE
Eastern Bankshares Inc.
C+ 68/100 58.6x — 0.7% +2.41% $5.12B Benchmark Subject
AX
Axos Financial Inc.
C 63/100 12.2x — 14.8% +4.79% $5.13B /ax-vs-ebc →
TFSL
TFS Financial Corporation
D 50/100 51.7x — 4.8% +0.55% $4.61B /tfsl-vs-ebc →
BKU
BankUnited Inc.
D+ 54/100 11.5x — 8.8% +2.42% $3.06B /bku-vs-ebc →
PFS
Provident Financial Services Inc
C 65/100 10.4x — 10.3% +2.66% $2.99B /pfs-vs-ebc →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001810546 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Eastern Bankshares Inc. (EBC) reported GAAP revenue of $134.1M (+19.1% vs. FY2024 revenue of $112.6M , and +74.4% cumulative change since FY2023) , GAAP net income of $88.2M, operating cash flow of $432.4M, and free cash flow of $426.4M (+53.0% YoY). On the balance sheet, EBC closed FY2025 with $30.59B in total assets against $11.81B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 7/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $134.1M $88.2M $432.4M $426.4M $30.59B $11.81B
FY2024 (FY) 2024-12-31 $112.6M $119.6M $283.8M $278.8M $25.56B $9.88B
FY2023 (FY) 2023-12-31 $76.9M $232.2M $261.7M $258.2M $2.85B $665.8M

3. EBC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is EBC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Eastern Bankshares Inc. (NASDAQ: EBC) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 68/100 at a spot price of $22.93 (+2.41% 1D, market cap $5.12B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 15/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 12/20. Across 1097 tracked Financials issuers, EBC ranks #153 in composite RQD confidence.

How does EBC compare to AX and TFSL in the Financials sector?

Within the Financials sector (Savings Institutions), EBC carries a Roarable C+ (68/100 RQD), trailing P/E of 58.6x, gross margin of —, and ROIC of 0.7%. By comparison, AX (Axos Financial Inc.) holds a C grade (63/100 RQD, P/E 12.2x, ROIC 14.8%, cap $5.13B) and TFSL (TFS Financial Corporation) posts a D grade (50/100 RQD, P/E 51.7x, ROIC 4.8%, cap $4.61B). Among the 5-stock peer group, PFS leads on earnings multiple (10.4x) while AX leads on capital efficiency (14.8% ROIC).

What are the biggest fundamental strengths and SEC risk factors for EBC?

Per EBC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001810546), Eastern Bankshares Inc. generated $134.1M in revenue (+19.1% YoY), $88.2M in net income, and $426.4M in free cash flow against $30.59B in total assets and $11.81B in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Priced at 59x earnings—high expectations leave less room for a lukewarm quarter. Institutional options positioning shows a 50% call / 50% put premium split.

Where is EBC trading relative to its 50-day, 200-day, and 52-week technical levels?

EBC last traded at $22.93 (+2.41% on volume of 2,704,990 shares), positioning the stock +5.77% above its 50-day simple moving average ($21.68) and +8.62% above its 200-day simple moving average ($21.11). Across its 52-week range of $16.65 to $23.77, EBC sits at the 88.2% percentile with a 14-day RSI of 58.9 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.0% ($22.01 to $23.85).

Direct Sub-Reports: EBC RQD Cockpit EBC 12M Forecast EBC Earnings & Move EBC Dividends & DRIP EBC Insiders & 13F EBC Whale Options EBC Profit Sankey EBC News & Why
ROARABLE RATING BRIEF • RQD 68/100 (C+) ✓ SEC XBRL & RQD VERIFIED

EBC — Eastern Bankshares Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Eastern Bankshares Inc. (EBC) earns a live Roarable RQD composite score of 68/100, corresponding to a C+ letter grade (Roarable Hold) at a spot price of $22.93 (+2.41% 1D, market capitalization $5.12B).

  • Fundamental Cash Engine (13/20): Anchored by return on invested capital (ROIC) of 0.7%, gross margin of —, operating margin of 75.0%, and free cash flow yield of 8.24%.
  • Whale 13F & Options Flow (15/20) + Insider Conviction (12/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (13/20) + Forensic Balance Sheet (15/20): Incorporates a 1.12x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 7/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Eastern Bankshares Inc. (EBC) is a NASDAQ-listed issuer in the Financials sector, operating in the Savings Institutions industry. Per the market data, the company reports a 65.8% net margin and 75% operating margin. Market capitalization is $5.2B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Eastern Bankshares Inc. (EBC) reported $134.1M in annual revenue (up from $112.6M in FY2024, +19.1% YoY) and $88.2M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($76.9M revenue, $232.2M net income) through FY2025, EBC scaled operating cash flow to $432.4M and free cash flow to $426.4M, backed by $30.59B in total assets against $11.81B in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C+ • RQD 68/100): Big institutional funds and options desks are actively positioning on the bullish side. Clean SEC annual filing review with no major hidden accounting time-bombs. With Fundamental Cash Engine at 13/20 and Institutional Whale Flow at 15/20, sustained execution supports upside toward the upper end of the $16.65 – $23.77 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Priced at 59x earnings—high expectations leave less room for a lukewarm quarter. Investors must weigh 58.6x trailing P/E and 95.0x EV/EBITDA against 75.0% operating margins and a 1.12x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

The only sector-level context provided is classification within Financials / Savings Institutions and the Beta of 1.12 per the market data.

  • Key Question #1: Can EBC sustain or expand its 75.0% operating margin and 0.7% ROIC against Savings Institutions peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $134.1M and free cash flow of $426.4M, how will capital allocation balance growth reinvestment against $11.81B in total debt?
  • Key Question #3: How sensitive is EBC's 49.2x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.12x)?

EBC Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Eastern Bankshares Inc. (EBC) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to EBC Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

EBC Bull vs. Bear Conversation Board — What's Your Call at $22.93?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON EBC 🐻 33% BEARISH CONVICTION
1. Pick Your Side on EBC:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeltaGamma_99 RQD DEBATE OPENER • Options Flow Specialist 🐂 BULLISH 🎯 Target: $29.55 (+32.0%)
📌 Pinned Debate

Strong forensic balance-sheet pillar (Altman Z 2.5, Piotroski F 7/9, Debt/Equity 0.5) and a 8.24% FCF yield support the rating.

Long EBC at $22.39 targeting $29.55. Strong forensic balance-sheet pillar (Altman Z 2.5, Piotroski F 7/9, Debt/Equity 0.5) and a 8.24% FCF yield support the rating.. Institutional whale score is 15/20 and the risk/reward vs. the $16.65 52-week low is skewed heavily in favor of bulls.

CapAlloc_Nerd 🐂 BULL

@DeltaGamma_99 Agree on the RQD 68/100 quality, though with 1.12 beta I'm scaling in with half-size at $22.39 and keeping dry powder in case we test $20.82.

SH ShortSeller_Dan RQD DEBATE OPENER • Forensic Short Bias 🐻 BEARISH 🎯 Target: $16.79 (-25.0%)
Spot @ $22.39

Elevated valuation at 58.6x TTM P/E and 95x EV/EBITDA against a 0.7% ROIC and declining net income from FY 2023 to FY 2025.

I respect the product at Eastern Bankshares Inc., but the stock at $22.39 is a different story. Elevated valuation at 58.6x TTM P/E and 95x EV/EBITDA against a 0.7% ROIC and declining net income from FY 2023 to FY 2025.. FCF yield is 8.24% and RQD sits at 68/100 (C+) — why pay up here when you can wait for next quarter's numbers?

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