EBC Stock Analysis: Buy, Sell, or Hold?
EBC - Eastern Bankshares, Inc. Common Stock
$20.49
0.07 (0.37%)
▲
HOLD
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Apr 23, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: EBC shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: EBC shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$31.77
Based on 8.1% avg growth
INTRINSIC VALUE TODAY
$19.73
Trading above fair value
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 9.8x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: EBC is currently trading at $20.48, which is considered extended relative to its 30-day fair value range of $18.76 to $20.02. The stock's valuation (Forward PE: 9.3) is in line with its historical norms (9.8). Remarkably, the market is currently pricing in an annual earnings decline of 1.7% over the next few years. This pessimistic expectation contrasts with the company's recent 53.7% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, EBC is in a strong uptrend. The price is approaching resistance at $20.89. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: EBC has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $23.42 (+14.3%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, EBC is in a strong uptrend. The price is approaching resistance at $20.89. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: EBC has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $23.42 (+14.3%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
EXTENDED
Fair Price Range
$18.76 -
$20.02
Company Quality Score
64/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
59.5%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($23.42)
Fair Price Analysis
30-Day Fair Range
$18.76 -
$20.02
Current vs Fair Value
EXTENDED
Support & Resistance Levels
Support Level
$18.99
Resistance Level
$20.89
Current Trend
Strong Uptrend
Fundamental Context
Forward P/E (Next Year Est.)
9.29
Wall Street Target
$23.42
(+14.3%)
Revenue Growth (YoY)
32.8%
Earnings Growth (YoY)
53.7%
Profit Margin
12.7%
Valuation Discount vs History
-1.7% cheaper
PE vs Historical
9.3 vs 9.8
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.7%
(market-implied from PE analysis)
1-Year Target
$20.14
(-2%)
2-Year Target
$19.79
(-3%)
3-Year Target
$19.46
(-5%)
3-Yr Target (if PE normalizes)
(PE: 9→10)
$20.53
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 12.1%)
$69.37
(+239%)
Base:
(SPY PE: 9.3, Growth: 12.1%)
$28.90
(+41%)
Bear:
(PE: 7.9, Growth: 12.1%)
$24.56
(+20%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (46x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 46.35 | Current EPS (TTM): $0.43
Bull Case
$43.85
(+114%)
Analyst growth 100.0%, PE expands to 51.0
Base Case
$39.86
(+95%)
Market implied 100.0%, PE stable at 46.4
Bear Case
$13.55
(-34%)
Severe decline -20.0%, PE contracts to 39.4
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 9.3 to 9.8
Stabilization Target:
$21.61
(+5.5%)
PE Expansion Potential:
+5.5%
Last updated: February 01, 2026 6:24 PM ET
Data refreshes hourly during market hours. Next update: 7:24 PM
Data refreshes hourly during market hours. Next update: 7:24 PM
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Technical Signals Check
Is EBC showing a specific setup today?
Insider Activity (6 Months)
1
Buys
0
Sells
+
Net
INSIDERS BUYING
Recent Transactions
Quincy Lee Miller
BUY
13706 shares
2025-08-27
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