EBC
Eastern Bankshares, Inc. Financial Services - Banks - Regional Investor Relations →
Eastern Bankshares, Inc. (EBC) closed at $22.96 as of 2026-07-31, trading 49.6% above its 200-week moving average of $15.34. The stock is currently moving closer to the line, down from 49.6% last week. With a 14-week RSI of 76, EBC is in overbought territory.
Trading volume is running at 1.8x of its 14-week average, which is in the normal range. The balance between buying and selling volume (0.90 ratio) is neutral — neither side is clearly dominating.
Over the past 254 weeks of data, EBC has crossed below its 200-week moving average 8 times. On average, these episodes lasted 14 weeks. The average one-year return after crossing below was -2.5%, suggesting these dips have not historically been reliable buying opportunities for this stock.
With a market cap of $5.3 billion, EBC is a mid-cap stock. Return on equity stands at 9.4%. The stock trades at 1.2x book value.
Share count has increased 26.8% over three years, indicating dilution.
Over the past 4.9 years, a hypothetical investment of $100 in EBC would have grown to $126, compared to $186 for the S&P 500. EBC has returned 4.9% annualized vs 13.4% for the index, underperforming the broader market over this period.
In the past 12 months, corporate insiders have made 8 open-market purchases totaling $3,070,911. Multiple insiders purchased within a 30-day window — a cluster buy pattern that historically signals management confidence in the company's prospects.
Free cash flow has been growing at a 23.1% compound annual rate, with 4 consecutive years of positive cash generation.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($M)
Revenue Annual revenue ($M) — business growth proxy
Total Debt Balance sheet debt ($M)
ROIC Return on invested capital (%)
FCF Yield Free cash flow / market cap (%) — Yartseva signal
Gross Margin Pricing power & competitive moat (%)
Shares Outstanding Buybacks vs dilution (millions)
Growth of $100: EBC vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After EBC Crosses Below the Line?
Across 8 historical episodes, buying EBC when it crossed below its 200-week moving average produced an average return of -0.9% after 12 months (median +2.0%), compared to +17.0% for the S&P 500 over the same periods. 50% of those episodes were profitable after one year. After 24 months, the average return was +4.2% vs +46.0% for the index.
Each line shows $100 invested at the moment EBC crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Bean Score Experimental
The Bean Score measures how far a stock's free cash flow yield has deviated from its own quarterly baseline, normalized by the stock's historical behavior. Between earnings dates, FCF is constant — so the score is purely a function of stock price. The levels below show at what prices EBC would reach each dislocation threshold.
Dislocation Price Levels
Prices where EBC's Bean Score would hit each σ threshold. Valid until next earnings report (date TBD — last report: 2026-03-31).
| Level | σ | Price | Signal |
|---|---|---|---|
| Deep Value | +2σ | $18.68 | Unusually cheap — potential buy zone |
| Value | +1σ | $19.76 | Cheap vs. own history |
| Fair Value | +0σ | $20.97 | Historical mean behavior |
| Expensive | -1σ | $22.33 | Expensive vs. own history |
| Deep Expensive | -2σ | $23.89 | Unusually expensive — potential trim zone |
Quarterly FCF & Yield Trailing twelve-month free cash flow and yield at each quarter end
Signal Accuracy Collecting Data
The Bean Score system is accumulating weekly data to validate signal accuracy. After 13+ weeks of history, this section will display win rates and average returns for each σ threshold crossing — answering the question: "When this score says cheap or expensive, does the price subsequently move in the expected direction?"
Theoretical framework — not backtested or forward-tested. The Bean Score uses trailing twelve-month free cash flow yield as a dislocation identifier. It measures whether the market has pushed a stock's yield unusually far from its own baseline behavior. These levels are reference points for identifying potential swing trade opportunities, not buy/sell signals. FCF values update quarterly with earnings; between reports, all movement is price-driven.
Dislocation Scores Experimental
Each score measures deviation from EBC's own historical baseline — the same idea as the Bean Score, applied to different fundamentals. Positive means cheaper or more dislocated than this stock's norm. Scores marked σ are normalized by the stock's own variability; pp values are simple deltas from its recent baseline.
Theoretical framework — not backtested. These scores describe how unusual today's readings are for this specific company. They are starting points for research, not buy or sell signals. Annual-statement scores (buyback, accruals, FCF vs history) rest on only ~4 yearly data points and are deltas, not sigmas.
Historical Touches
EBC has crossed below its 200-week MA 8 times with an average 1-year return of +-2.5% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| May 2022 | May 2022 | 2 | 1.1% | -39.7% | +37.0% |
| Jun 2022 | Jun 2022 | 2 | 3.2% | -30.0% | +37.7% |
| Nov 2022 | Nov 2022 | 2 | 0.8% | -37.4% | +36.3% |
| Dec 2022 | Jul 2024 | 84 | 39.9% | -27.8% | +38.2% |
| Jul 2024 | Aug 2024 | 3 | 6.2% | +2.4% | +61.0% |
| Oct 2024 | Oct 2024 | 1 | 0.7% | +14.3% | +51.8% |
| Mar 2025 | Jun 2025 | 13 | 9.8% | +41.2% | +64.5% |
| Jul 2025 | Aug 2025 | 2 | 2.9% | +57.2% | +57.2% |
| Average | 14 | — | +-2.5% | — |
Frequently Asked Questions
Is EBC below its 200-week moving average?
No. Eastern Bankshares, Inc. (EBC) is currently 49.6% above its 200-week moving average of $15.34. It would need to fall to $15.34 to cross below the line.
What is EBC's 200-week moving average price?
Eastern Bankshares, Inc.'s 200-week moving average is $15.34 as of 2026-07-31. This is the average weekly closing price over roughly the last 4 years, and it acts as a long-term trend line. When a stock drops below this level, it can signal that the price has fallen far enough from the long-term trend to attract value-oriented investors.
What happens when EBC drops below its 200-week moving average?
EBC has crossed below its 200-week moving average 8 times in our data. The average one-year return after these crossings was -2.5%, meaning the dips were not reliable buying signals for this particular stock. These episodes lasted 14 weeks on average.
Is EBC a good value right now?
Here's what our data says about EBC as of 2026-07-31: The stock is above its 200-week moving average, so it doesn't currently meet our primary signal. The 14-week RSI is 76 (overbought). Return on equity is 9.4%. Price-to-book is 1.2x. This is not a buy or sell recommendation — always do your own research.
How does EBC compare to the S&P 500?
Over the past 4.9 years, $100 invested in EBC would have grown to $126, compared to $186 for the S&P 500. That's 4.9% annualized vs 13.4% for the index. EBC has underperformed the broader market over this period.
Does EBC pay a dividend?
Yes. Eastern Bankshares, Inc. currently pays a dividend yield of 244.00%.
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of week of 2026-07-31