What is the 13F Pro Quality Score for EBC?

13F Pro ranks Eastern Bankshares, Inc. (EBC) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View EBC's current score at https://13fpro.ai/company/EBC (free sign-up required for the full ranking).

Which hedge funds own the most EBC stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of EBC include BlackRock,, FMR, VANGUARD PORTFOLIO MANAGEMENT. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/company/EBC as soon as new 13F filings post.

Where does 13F Pro source EBC data?

All Eastern Bankshares, Inc. fundamentals and ownership data come directly from SEC EDGAR. Eastern Bankshares, Inc. files with the SEC under CIK 1810546. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is EBC in?

Eastern Bankshares, Inc. (EBC) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives EBC's revenue?

Per Eastern Bankshares, Inc.'s latest 10-Q filed with the SEC on 2026-08-07, the biggest revenue drivers are: Investment advisory fees ($19.7M, +14.0% YoY); Service charges on deposit accounts ($10.0M, +21.8% YoY); Card income ($6.0M, +42.7% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/EBC.

What are EBC's largest expenses?

Eastern Bankshares, Inc.'s latest 10-Q reports these as the largest expense items: Salaries and employee benefits ($97.0M, +20.2% YoY); Technology and data processing ($23.7M, +29.1% YoY); Occupancy and equipment ($13.2M, +18.0% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

How often is EBC research updated on 13F Pro?

EBC's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Eastern Bankshares, Inc.(EBC)Stock Analysis

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13F Pro Quality Score

69.5/100

Rank #264 of 2,960 stocksTOP 10%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

79.2/100

Profitability

95.3/100

Balance Sheet

47.5/100

Earnings Quality

39.6/100

Free Cash Flow

89.5/100

Institutional Flow

91.4/100

Revenue Scale

51.2/100

Dilution Risk

13.7/100

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Why EBC Scores 70/100

exact factor attribution · 2026-09-12

EBC's composite is driven by profitability and revenue growth, held back by shareholder dilution and earnings quality. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Profitability

+9.1 pts

95th pct

Revenue growth

+7.8 pts

79th pct

Free cash flow

+5.9 pts

90th pct

Institutional flow

+2.8 pts

91th pct

Earnings growth

+2.5 pts

87th pct

Scale

+0.2 pts

51th pct

Capital efficiency

-0.3 pts

48th pct

Earnings quality

-1.0 pts

40th pct

Shareholder dilution

-2.4 pts

14th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

EBC Stock Analysis & AI Quality Score

Data updated 2026-09-12

AI stock analysis and institutional research for Eastern Bankshares, Inc. (EBC), a Financials sector company. 13F Pro's AI-powered ranking engine scores EBC at 69.5/100 on a 32-signal composite quality model, placing it at rank #264 of 2,960 stocks — the top 10% of the AI-ranked universe. EBC scores in the top quartile across profitability (95.3), institutional flow (91.4), free cash flow (89.5). Areas of concern include earnings quality (39.6), which score below median versus the broader universe. Shareholder dilution risk is elevated at 13.7/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), Eastern Bankshares, Inc. reports quarterly revenue of $309.5M, net income of $105.2M. Top institutional holders of EBC by reported 13-F value include BlackRock, FMR, VANGUARD PORTFOLIO MANAGEMENT, based on the most recent SEC filings. EBC trades on the Nasdaq exchange and files with the SEC under CIK 1810546. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate EBC daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Eastern Bankshares, Inc. directly from SEC EDGAR. Eastern Bankshares, Inc.'s 13F Pro composite quality score has ranged between 28 and 70 since 2021, currently 69.5 — an improving long-term trajectory across 68 quarterly and live scoring snapshots.

✦

Fun facts about Eastern Bankshares, Inc.

Quirks, history, and lore behind EBC — the kind of stuff that makes a stock memorable.

1
The Basics
A U.S. regional bank holding company · listed on Nasdaq · headquartered in Massachusetts · focused on commercial and retail banking.
2
The Numbers
Holds roughly $14 billion in assets — large enough to matter, small enough that Wall Street barely whispers its name — serving customers across New England.
3
The History
Traces its roots back to a mutual savings bank founded in the 19th century, eventually converting to a stock company and going public in a high-profile IPO in 2021.
4
The Secret
Its 2021 IPO was one of the largest U.S. bank IPOs in years, and it pledged a remarkable $10 million to charity for every $1 billion raised — putting community banking where its mouth is.
5
The Lore
Deeply rooted in the Greater Boston business community, it has long been a go-to lender for small and mid-sized businesses and nonprofits across the region.
6
The Giveaway
A Boston-based community bank that converted from mutual to stock ownership in 2021, trades under a three-letter ticker that sounds like a place you'd cash a check — Eastern something.

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What's Driving EBC's Business? Latest 10-Q Breakdown

✓ 35/35 datapoints verified

AI-extracted from Eastern Bankshares, Inc.'s 10-Q filed 2026-08-07 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Eastern Bankshares grew net interest income 24.7% YoY to $251.9M and net income to $105.2M in Q2 FY2026, aided by the HarborOne merger, while potential problem loans rose 28.4% and allowance coverage of non-accrual loans fell to 297% from 424% YoY.

Biggest Revenue Drivers

Investment advisory fees$19.7M+14.0% YoY

Asset management/custody fees based on a percentage of the monthly valuation of customer account assets, plus growth in wealth management services.

Service charges on deposit accounts$10.0M+21.8% YoY

Fees from deposit account access and transactional services, including cash management offerings.

Biggest Revenue Drivers

Total revenue: $38.7M+18.8% YoY

Investment advisory fees$19.7M+14.0% YoY

Asset management/custody fees based on a percentage of the monthly valuation of customer account assets, plus growth in wealth management services.

Service charges on deposit accounts$10.0M+21.8% YoY

Fees from deposit account access and transactional services, including cash management offerings.

Card income$6.0M+42.7% YoY

Debit card interchange revenue earned as transactions settle through card payment networks.

Other noninterest income (ASC 606)$2.9M+3.8% YoY

Includes safe deposit rent, ATM surcharge fees and customer checkbook fees.

Largest Expense Items

Salaries and employee benefits$97.0M+20.2% YoY

Increase in salary, wage and incentive expenses driven by higher headcount from the HarborOne merger plus regular employee wage increases.

Technology and data processing$23.7M+29.1% YoY

Higher cybersecurity software spend and increased core data processing costs from a larger number of accounts following the HarborOne merger.

Occupancy and equipment$13.2M+18.0% YoY

Increase attributable to expanded branch footprint and operations following the HarborOne merger.

Amortization of intangible assets$11.6M+49.1% YoY

Increase in intangible assets recorded in connection with the HarborOne merger drove higher amortization expense.

Margins: Net interest margin (FTE) rose 7 bps YoY to 3.66% as growth in average interest-earning asset balances and yields outpaced growth in interest-bearing liabilities; GAAP efficiency ratio improved to 54.26% from 55.93% a year earlier.

Watch Items from the Filing

Allowance for loan losses as a percent of non-accrual loans fell to 297.45% at June 30, 2026 from 424.25% a year earlier, even as the dollar allowance declined to $325.4M.
Potential problem loans increased 28.4% to $531.3M (2.3% of total loans) at June 30, 2026 from $413.7M (1.8%) at December 31, 2025.
Estimated total uninsured deposits were $10.9 billion, roughly 42% of the bank's $25.9 billion in total deposits.
Office-related CRE loans totaled $1.2 billion, with 87.1% concentrated in Massachusetts and eight loans ($7.2M) on non-accrual status, up from four loans at year-end 2025.
Operating net income rose 30.4% YoY to $106.5M, reflecting higher net interest income from the HarborOne acquisition partially offset by higher operating noninterest expense.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$309.5M

Net Income

Q2 2026

$105.2M

ROIC

Q2 2026

11.5%

D/E Ratio

Q2 2026

0.09

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

-81.7% YoY

$134.1MFY 2025

FY22 $644.8MFY23 $312.7MFY24 $731.5MFY25 $134.1M

Net Income

-26.2% YoY

$88.2MFY 2025

FY22 $199.8MFY23 $232.2MFY24 $119.6MFY25 $88.2M

EPS (Diluted)

-34.8% YoY

$0.43FY 2025

FY22 $1.21FY23 $1.43FY24 $0.66FY25 $0.43

Total Assets

+19.7% YoY

$30.59BFY 2025

FY22 $22.65BFY23 $21.13BFY24 $25.56BFY25 $30.59B

Total Debt

+224.8% YoY

$214.9MFY 2025

FY22 $740.8MFY23 $48.2MFY24 $66.2MFY25 $214.9M

Op. Cash Flow

+52.3% YoY

$432.4MFY 2025

FY22 $229.9MFY23 $261.7MFY24 $283.8MFY25 $432.4M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$134.1M -81.7%	$731.5M +134.0%	$312.7M -51.5%	$644.8M +22.3%	$527.3M +240.7%	$154.7M
Net Income	$88.2M -26.2%	$119.6M -48.5%	$232.2M +16.2%	$199.8M +29.2%	$154.7M +580.2%	$22.7M
EPS (Diluted)	$0.43 -34.8%	$0.66 -53.8%	$1.43 +18.2%	$1.21 +34.4%	$0.90 +592.3%	$0.13
Total Assets	$30.59B +19.7%	$25.56B +20.9%	$21.13B -6.7%	$22.65B -3.7%	$23.51B +47.3%	$15.96B
Total Debt	$214.9M +224.8%	$66.2M +37.3%	$48.2M -93.5%	$740.8M +2061.2%	$34.3M	—
Operating Cash Flow	$432.4M +52.3%	$283.8M +8.5%	$261.7M +13.8%	$229.9M +31.8%	$174.5M +149.8%	$69.9M

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Available Research

13F Pro tracks comprehensive data for Eastern Bankshares, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of EBC

BlackRock, Inc.
$498.7M22,422,283 sh
FMR LLC
$357.1M16,055,159 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$292.2M13,136,655 sh
T. Rowe Price Investment Management, Inc.
$280.9M12,630,998 sh
STATE STREET CORP
$269.7M12,124,657 sh
DIMENSIONAL FUND ADVISORS LP
$210.3M9,455,830 sh
VANGUARD CAPITAL MANAGEMENT LLC
$209.3M9,411,617 sh
GOLDMAN SACHS GROUP INC
$167.0M7,507,507 sh
HoldCo Asset Management, LP
$164.2M7,382,772 sh
JENNISON ASSOCIATES LLC
$144.9M6,514,253 sh

Fund	Value	Shares
BlackRock, Inc.	$498.7M	22,422,283
FMR LLC	$357.1M	16,055,159
VANGUARD PORTFOLIO MANAGEMENT LLC	$292.2M	13,136,655
T. Rowe Price Investment Management, Inc.	$280.9M	12,630,998
STATE STREET CORP	$269.7M	12,124,657
DIMENSIONAL FUND ADVISORS LP	$210.3M	9,455,830
VANGUARD CAPITAL MANAGEMENT LLC	$209.3M	9,411,617
GOLDMAN SACHS GROUP INC	$167.0M	7,507,507
HoldCo Asset Management, LP	$164.2M	7,382,772
JENNISON ASSOCIATES LLC	$144.9M	6,514,253

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Is EBC a good stock to buy?

13F Pro's AI-powered analysis of Eastern Bankshares, Inc. (EBC) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for EBC are available on the EBC stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. EBC is classified as a mid company.

Which hedge funds own EBC?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling EBC. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Eastern Bankshares, Inc.'s investment landscape.