TORVANTA
Other · S&P 500 · data as of 2026-10-05

EBC stock analysis: EBC

EBC (EBC) is an S&P 500 company in Other.

The model's view of EBC · subscribers

Where EBC ranks among the 1,500 U.S. stocks the model scores each trading day, its expected return, the evidence for and against it, and whether the model portfolio holds it. The grades below describe the company's data; they are not the model's view.

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What's happening with EBC · updated 2026-10-05 · from prices and SEC filings

EBC price performance

EBC against the S&P 500, one year
+0%+20%EBC +20%S&P 500 +18%2025-09-292026-10-05
Year to date+17.7%S&P 500 +14.5% · ahead by 3.2 pts
1 year+19.8%S&P 500 +17.0% · ahead by 2.8 pts
3 years+94.5%S&P 500 +89.3% · ahead by 5.2 pts
5 years+15.1%S&P 500 +91.3% · behind by 76.2 pts

Total returns with dividends reinvested.

EBC factor grades

Each grade compares EBC with the rest of its sector (A+ best, F worst); the numbers behind it are shown with the typical figure for its peers.

B+ValueP/E 11.9x (industry 20.1x)FCF yield 8.4% (industry 6.0%)
B-GrowthRevenue growth +15% (industry +8%)
BProfitability
B-Momentum12-month change +20%From 52-wk high -10%

EBC in plain numbers

EBC key statistics

SectorOther
Industryn/a
IndexS&P 500
Market value$4.9B
Revenue growth (y/y)+15%
Free-cash-flow yield8.4%
Dividend yield2.6%
Next earnings (expected)2026-10-22
Valuation measures
Market value$4.9B
Enterprise value$4.6B
P/E (trailing)11.9x
Forward P/E (Torvanta estimate)11.9x
Price / sales33.2x
Price / book1.1x
EV / revenue31.4x
Financial highlights
Revenue, last 12 months$146.2M
Net income, last 12 months$376.1M
EPS, last 12 months (GAAP)$1.79
Net margin257.2%
Return on equity9.4%
Cash$256.2M
Total debt$0

Company figures from its latest SEC filings; market value and returns from end-of-day prices.

EBC earnings trends

Revenue vs earnings
-$217.7M-$136.7M-$55.8M$25.2M$106.1MSep 2024 Revenue: $30.1MDec 2024 Revenue: $33.2MMar 2025 Revenue: $31.1MJun 2025 Revenue: $32.5MSep 2025 Revenue: $33.0MDec 2025 Revenue: $37.5MMar 2026 Revenue: $37.2MJun 2026 Revenue: $38.7MSep 2024 Net income: -$6.2MDec 2024 Net income: $60.8MMar 2025 Net income: -$217.7MJun 2025 Net income: $100.2MSep 2025 Net income: $106.1MDec 2025 Net income: $99.5MMar 2026 Net income: $65.3MJun 2026 Net income: $105.2MSep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Net margin: -20.5%Net margin: 183.1%Net margin: -699.2%Net margin: 308.2%Net margin: 321.9%Net margin: 265.6%Net margin: 175.7%Net margin: 272.2%-699%-189%322%■ Revenue ■ Net income ━ Net margin
Earnings per share$-1.1$-0.7$-0.3$0.1$0.5Sep 2024 EPS (GAAP, diluted): $-0.0Dec 2024 EPS (GAAP, diluted): $0.3Mar 2025 EPS (GAAP, diluted): $-1.1Jun 2025 EPS (GAAP, diluted): $0.5Sep 2025 EPS (GAAP, diluted): $0.5Dec 2025 EPS (GAAP, diluted): $0.5Mar 2026 EPS (GAAP, diluted): $0.3Jun 2026 EPS (GAAP, diluted): $0.5Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026■ EPS (GAAP, diluted) Change from a year earlier: Dec 2025 +53% · Jun 2026 -4%

From the company's 10-Q and 10-K filings with the SEC.

EBC financials (from SEC filings)

Fiscal yearFY2021FY2022FY2023FY2024FY2025
Revenue$164.2M$176.6M$136.0M$112.6M$134.1M
Net income$154.7M$199.8M$232.2M$119.6M$88.2M
EPS (GAAP)$0.91$1.21$1.42$0.69$0.44

EBC earnings history

ReportedEPS (GAAP)EPS y/yRevenue y/yStock vs S&P 500, 2 days
2026-07-23$0.48-4%+19%+2.7%
2026-04-23$0.29n/a+19%-2.1%
2026-01-22$0.49+53%+13%-1.7%
2025-10-23$0.53n/a+9%-5.4%
2025-07-24$0.50+212%+13%-1.9%
2025-04-24$-1.08-550%+52%-7.4%

About EBC

HeadquartersBoston, MA
Industry (SEC code)Savings Institution, Federally Chartered
Fiscal year endsDecember 31
Incorporated inMA
Listed onNasdaq

From the company's SEC registration record.

Companies similar to EBC

CompanyMarket valueP/ERevenue growthOperating margin12-month change
EBC EBC$4.9B11.9x+15%n/a+20%
RELY RELY$4.8B16.5x+24%9.5%+43%compare
BOX BOX$4.8B52.0x+10%9.4%+10%compare
GOLF GOLF$4.9B22.7x+9%13.7%+5%compare
SBRA SBRA$4.9B73.3x+17%n/a+12%
KRG KRG$4.8B15.0x-6%n/a+15%
HCC HCC$4.9B22.2x+37%13.6%+44%

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Frequently asked questions

Is EBC stock a buy?

Torvanta does not tell individuals what to buy. Its grades for EBC are shown above. Subscribers see the model's rank, expected return and whether the model portfolio holds it. This is research, not a recommendation.

What is EBC's P/E ratio?

EBC trades at about 11.9 times its last 12 months of GAAP earnings reported to the SEC, and about 11.9 times Torvanta's own estimate of the next 12 months.

When does EBC report earnings next?

Based on its filing history, Torvanta expects EBC to report around 2026-10-22.

Does EBC pay a dividend?

Yes. Its dividend yield is about 2.6%, and it has raised its dividend 4 years in a row.

How has EBC performed against the S&P 500?

Over the past year EBC returned +19.8%, against +17.0% for the S&P 500, dividends reinvested.

See the model's view

Subscribers get the model's rank and expected return for every covered company, the reasoning behind each, and the Torvanta model portfolio's trades each trading day, sized and explained, at three risk levels.

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Torvanta is research only - not investment advice and not a recommendation to buy or sell any security. Grades describe a company's reported data against its sector; they are not the model's view, change as data changes and can be wrong. Financial figures come from the company's SEC filings; returns include reinvested dividends. Past performance does not predict future results.

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