Eastern Bankshares, Inc. (EBC) intrinsic value & 10-year financials
Eastern Bankshares, Inc. (EBC) has a Graham intrinsic value of $9.09 per share. At $21.31 on Oct 17, 2026, the stock trades 134% above that value. Over the last 9 fiscal years revenue shrank 2.8% a year to $134.1M, with an average return on invested capital of 5.5%.
- Graham intrinsic value
- $9.09
- Share price (Oct 17, 2026)
- $21.31
- Price vs Graham value
- 134% above
- Market cap
- $4.4B
- Revenue (FY2025)
- $134.1M
- Revenue growth (9-yr CAGR)
- -2.8%
- ROIC (10-yr avg)
- 5.5%
- Free cash flow (FY2025)
- $413.0M
EBC 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $134.1M | $88.2M | $0.43 | $413.0M | — | 2.2% |
| FY2024 | $112.6M | $119.6M | $0.66 | $270.3M | — | 3.6% |
| FY2023 | $76.9M | $232.2M | $1.43 | $253.6M | — | 8.5% |
| FY2022 | $176.6M | $199.8M | $1.21 | $221.3M | — | 6.8% |
| FY2021 | $164.2M | $154.7M | $0.90 | $168.8M | — | 4.5% |
| FY2020 | $154.7M | $22.7M | $0.13 | $64.7M | — | 0.9% |
| FY2019 | $156.2M | $135.1M | $0.00 | $189.0M | — | 8.9% |
| FY2018 | $164.1M | $122.7M | $0.00 | $196.0M | — | 8.9% |
| FY2017 | — | — | — | — | — | — |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
Eastern Bankshares, Inc. revenue growth over the past decade is N/A; insufficient history prevents a reliable 10-year CAGR calculation.
Eastern Bankshares, Inc. 10-year average ROIC is N/A; capital efficiency cannot be assessed from the available history.
Eastern Bankshares, Inc. capital allocation metrics are N/A for the decade; share count and net debt history are incomplete.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, Eastern Bankshares, Inc. is modeled at 8.0% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $9.09 per share.