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/research/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/research/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.

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

62.3/100

Rank #744 of 2,879 stocksTOP 50%

View Financials peers →

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

Revenue Growth

88.0/100

Profitability

92.1/100

Balance Sheet

36.8/100

Earnings Quality

30.0/100

Free Cash Flow

97.4/100

Institutional Flow

18.1/100

Revenue Scale

20.2/100

Dilution Risk

14.3/100

EBC Stock Analysis & AI Quality Score

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 62.3/100 on a 32-signal composite quality model, placing it at rank #744 of 2,879 stocks — the top half of the AI-ranked universe. EBC scores in the top quartile across free cash flow (97.4), profitability (92.1), revenue growth (88.0). Areas of concern include institutional flow (18.1) and revenue scale (20.2), which score below median versus the broader universe. Shareholder dilution risk is elevated at 14.3/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), Eastern Bankshares, Inc. reports quarterly revenue of $288.2M, net income of $65.3M, free cash flow of $-9.5M. 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 8 and 64 since 2021, currently 62.3 — an improving long-term trajectory across 56 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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Revenue

Q1 2026

$288.2M

Net Income

Q1 2026

$65.3M

Free Cash Flow

Q1 2026

$-9.5M

D/E Ratio

Q1 2026

0.17

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+45.7% YoY

$112.6MFY 2024

FY20 $60.2MFY21 $69.4MFY22 $77.3MFY24 $112.6M

Net Income

-40.1% YoY

$119.6MFY 2024

FY20 $22.7MFY21 $154.7MFY22 $199.8MFY24 $119.6M

EPS (Diluted)

-45.5% YoY

$0.66FY 2024

FY20 $0.13FY21 $0.90FY22 $1.21FY24 $0.66

Total Assets

+12.9% YoY

$25.56BFY 2024

FY20 $15.96BFY21 $23.51BFY22 $22.65BFY24 $25.56B

Total Debt

-91.1% YoY

$66.2MFY 2024

FY20 —FY21 $34.3MFY22 $740.8MFY24 $66.2M

Op. Cash Flow

+23.4% YoY

$283.8MFY 2024

FY20 $69.9MFY21 $174.5MFY22 $229.9MFY24 $283.8M

Metric	FY 2024	FY 2022	FY 2021	FY 2020	FY 2018	FY 2017
Revenue	$112.6M +45.7%	$77.3M +11.3%	$69.4M +15.4%	$60.2M -63.3%	$164.1M	—
Net Income	$119.6M -40.1%	$199.8M +29.2%	$154.7M +580.2%	$22.7M -81.5%	$122.7M	—
EPS (Diluted)	$0.66 -45.5%	$1.21 +34.4%	$0.90 +592.3%	$0.13	$0.00	—
Total Assets	$25.56B +12.9%	$22.65B -3.7%	$23.51B +47.3%	$15.96B +40.3%	$11.38B	—
Total Debt	$66.2M -91.1%	$740.8M +2061.2%	$34.3M	—	—	—
Operating Cash Flow	$283.8M +23.4%	$229.9M +31.8%	$174.5M +149.8%	$69.9M -65.9%	$205.0M	—

AI Insight: EBC Financial Trends

EBC's net income has stabilized at $65–$106M over the last four quarters after a Q1 2025 loss of $218M, but a sharp debt surge to $717M and negative operating cash flow in Q1 2026 demand close scrutiny.

• Revenue grew steadily from $29M in Q2 2024 to $37M in Q1 2026, a roughly 28% increase over eight quarters.

• Net income recovered strongly from a $218M loss in Q1 2025 to consistent profitability of $65–$106M across the following four quarters.

• Equity expanded from $2,967M in Q2 2024 to $4,286M in Q1 2026, reflecting a materially stronger book-value base.

• Total debt spiked from $40M in Q3 2025 to $717M in Q1 2026, reversing a multi-quarter deleveraging trend sharply.

⚠ Operating cash flow turned negative at -$9M in Q1 2026, the first negative reading in the dataset — warrants monitoring.

⚠ Total debt surged nearly 18x quarter-over-quarter to $717M in Q1 2026; the nature and permanence of this liability need clarification.

⚠ Net income of $65M in Q1 2026 is the lowest profitable quarter in three periods — early sign of earnings pressure or one-time drag?

AI Insight: EBC Ratio Trends

EBC's profitability normalized after a severe Q1 2025 loss, with ROE peaking at 11.2% in Q3 2025 before moderating to 6.1% in Q1 2026.

• ROE swung from -24.3% in Q1 2025 to +10.9% in Q2 2025, signaling a sharp one-quarter earnings disruption followed by rapid recovery.

• ROE and ROIC have decelerated from Q3 2025 peaks (11.2%, 9.8%) to 6.1% and 6.7% in Q1 2026, indicating fading momentum.

• D/E ratio jumped from 0.01 in Q2–Q3 2025 to 0.17 in Q1 2026, the highest level in the dataset, signaling rising leverage.

• ROA remained positive and stable at 1.3% (TTM) and 0.9% (Q1 2026), consistent with a functioning core banking operation.

⚠ D/E spiked to 0.17 in Q1 2026 from 0.01 just two quarters prior — the driver of this leverage increase warrants close scrutiny.

⚠ Q1 2025's -24.3% ROE remains unexplained by available data; recurrence risk cannot be dismissed without understanding the root cause.

⚠ NPM of 175.7% in Q1 2026 likely reflects non-operating gains; sustainability of reported earnings quality should be monitored.

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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.
$327.0M16,718,373 sh
FMR LLC
$289.8M14,817,500 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$211.0M10,788,460 sh
VANGUARD CAPITAL MANAGEMENT LLC
$186.1M9,515,766 sh
DIMENSIONAL FUND ADVISORS LP
$168.6M8,618,230 sh
STATE STREET CORP
$166.7M8,521,529 sh
HoldCo Asset Management, LP
$144.4M7,382,772 sh
JENNISON ASSOCIATES LLC
$133.9M6,846,216 sh
WELLINGTON MANAGEMENT GROUP LLP
$117.1M5,986,112 sh
GEODE CAPITAL MANAGEMENT, LLC
$108.6M5,551,024 sh

Fund	Value	Shares
BlackRock, Inc.	$327.0M	16,718,373
FMR LLC	$289.8M	14,817,500
VANGUARD PORTFOLIO MANAGEMENT LLC	$211.0M	10,788,460
VANGUARD CAPITAL MANAGEMENT LLC	$186.1M	9,515,766
DIMENSIONAL FUND ADVISORS LP	$168.6M	8,618,230
STATE STREET CORP	$166.7M	8,521,529
HoldCo Asset Management, LP	$144.4M	7,382,772
JENNISON ASSOCIATES LLC	$133.9M	6,846,216
WELLINGTON MANAGEMENT GROUP LLP	$117.1M	5,986,112
GEODE CAPITAL MANAGEMENT, LLC	$108.6M	5,551,024

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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.

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.