Why EBC beats the market
Up 38% in a year while the S&P 500 rose 12%.
“The increase was primarily due to an increase in our combined yield on our securities and other short-term investments”
EBC's Quality Score fell 1 point on Tue, Nov 10, to 13. Buying slipped from its highest in 20 days (2 chart checks stopped).
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Up 38% in a year while the S&P 500 rose 12%.
“The increase was primarily due to an increase in our combined yield on our securities and other short-term investments”
| The chart | Above every average |
| Latest filing | 10-Q, Nov 6 |
Mon Dec 7: Ex-dividend, $0.15 a shareAt the open. Pays Dec 21.
After its last 4 reports it closed -0.5% on average, higher 2 of 4 times.
Above Averagefor quality, not price, 5 of 14 chart checks firingWhat the Quality Score means
EBC is #18 of 168 by Quality Score.
| Rank | Stock | Quality Score |
|---|---|---|
| 1 | ||
| 2 | ||
| 3 | ||
| Open for its score | ||
| Open for its score | ||
| Open for its score | ||
| Open for its score | ||
| 18 |
Expected to report Thu Jan 21, after the close (in 72 days).
What an earnings report is: every 3 months, a company tells everyone how much it sold and earned. We read the figures, the outlook, and how the stock moved after.
A profit of $0.51 a share.
“We continued to generate positive operating leverage, due to higher net interest income driven by balance sheet growth and well-controlled expenses, resulting in an operating efficiency ratio of 47.5%.”
| Line | Q3 2026 | Q2 2026 | Q3 2025 |
|---|---|---|---|
| Investment Advisory Fees | $19.4M | $19.7M | $17.6M |
Each quarter's sales and their share of its total. Figures as filed (SEC filing, Nov 6)
No outlook figures read from this release.
“Net interest margin declined 4 basis points linked quarter, as higher earning asset yields were more than offset by increased deposit costs.”
From its results filing (SEC filing · Oct 22)
Sales fell 2.8% a year over 5 years, fiscal 2020 to 2025.
Pays $0.60 a share a year.
| Reported | Gap | Reaction | 5 days |
|---|---|---|---|
| Oct 22, 2026 | +0.2% | +1.3% | +2.4% |
| Jul 23, 2026 | +1.5% | +1.3% | +2.2% |
| Apr 23, 2026 | -3.9% | -3.0% | -1.4% |
Sales grew in three of the last seven years, to $134M in 2025. It made a profit in each of the eight years.
RSI 61.2, MACD above signal, above both averages. Not scored.
5 insiders sold $2.2M across 6 filings in the last 6 months. No open-market buys on record. The newest:
2 trades disclosed in the last six months. The newest:
Officers and directors with a Form 4 in the last 12 months.
In ETFs: EBC is under 0.1% of VYM and under 0.1% of VTI, the most of the 24 funds Breakaway covers, by each fund's latest filing, Jun 30 to Jul 31, 2026.
Eastern Bankshares Inc is a commercial bank that caters its products and services to retail, commercial, and small business customers. Its diversified products and services include lending, deposit, wealth management, and insurance products. The company has one operating segment: Banking business, which offers a range of banking, lending, savings, and small business offerings, and its wealth management and trust operations.
“The financial services industry in general and in our market in particular is highly competitive.”
EBC scores 13 today, which Breakaway calls Above Average. It is #18 of 168 in Banks by Quality Score, with 5 of 14 chart checks firing. Up 38% in a year while the S&P 500 rose 12%. Breakaway does not say whether to buy any stock: the score does not know your situation, and it is not a recommendation to buy or sell anything. Please do your own research.
EBC scores 13 today, which Breakaway calls Above Average (11 to 14). That is #18 of 168 in Banks by Quality Score. The score adds up the chart checks, the trend, the company's filed sales, its profits, the news, insider trades, and Congress trades. The section above lists the lines behind EBC's 13.
5 insiders sold $2.2M across 6 filings in the last 6 months. No open-market buys on record. The newest is Quincy Lee Miller, President, who sold $755K on Nov 5. Every filing, with the scored weight, for Pro members.
Only on the public pages, which run at least 15 minutes behind. Pro members, and anyone on a guest pass, see real-time prices: the scanner refreshes every 15 seconds, and your watchlist every few seconds, pre-market and after hours included.
Insider and Congress trades, the chart, and the financials, in one score.
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