Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Eastern BanksharesFRA:EB0 -1.60%70 Cash-to-Debt is 0.70 as of Jun. 2026, which is 96% below its 10-year median of 17.97. GuruFocus rates FRA:EB0 with a GF Score™ of 70/100 and a GF Value™ of €23.76 (Modestly Undervalued). The stock has 6 warning signs investors should review. Among 1,490 Banks companies, Eastern Bankshares ranks worse than 68.39% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Eastern Bankshares's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.70.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Eastern Banksharescouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Eastern Bankshares's Cash-to-Debt or its related term are showing as below:
FRA:EB0'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.23 Med: 17.97 Max: 79.09
Current: 0.7
During the past 8 years, Eastern Bankshares's highest Cash to Debt Ratio was 79.09. The lowest was 0.23. And the median was 17.97.
FRA:EB0's Cash-to-Debt is ranked worse than 68.39% of 1490
companies
in the Banks industry
Industry Median: 1.395
vs FRA:EB0: 0.70
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Eastern Bankshares Cash-to-Debt Related Terms
Eastern Bankshares Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Eastern Bankshares's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
FRA:EB0 vs FINN, TFSL, OZK: Cash-to-Debt Comparison
For the Banks - Regional subindustry, Eastern Bankshares's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Eastern Bankshares Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Eastern Bankshares's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Eastern Bankshares's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Eastern Bankshares (FRA:EB0) has a Cash-to-Debt of 0.70 as of Jun. 2026. This is 96% below median its historical median of 17.97. Over the past decade, Eastern Bankshares' Cash-to-Debt has ranged from 0.23 to 79.09. According to the industry distribution chart, Eastern Bankshares ranks #1019 out of 1490 companies in the Banks industry, placing it in the top 68.4%.
Is Eastern Bankshares' Cash-to-Debt too high?
Eastern Bankshares' current Cash-to-Debt of 0.70 is 96% below median its 10-year median of 17.97. Over the past 10 years, this metric has ranged from a low of 0.23 to a high of 79.09. The Banks industry median Cash-to-Debt is 1.40. Eastern Bankshares' value of 0.70 is 49.8% below this industry median. Based on the distribution chart, Eastern Bankshares ranks #1019 out of 1490 companies in the Banks industry, which is below the industry midpoint. Overall, Eastern Bankshares has a GF Score™ of 70/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Eastern Bankshares' Cash-to-Debt compare to FINN and TFSL?
According to the Banks industry distribution chart, Eastern Bankshares ranks #1019 out of 1490 companies for Cash-to-Debt. This places Eastern Bankshares in the lower half of its industry. The industry median Cash-to-Debt is 1.40. Eastern Bankshares' value of 0.70 is 49.8% below this benchmark. Historically, Eastern Bankshares' own Cash-to-Debt has ranged from 0.23 to 79.09 over the past decade. While the company's 10-year median is 17.97 vs. the industry median of 1.40, Eastern Bankshares has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.40, based on 1,490 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Eastern Bankshares's current Cash-to-Debt of 0.70 is 49.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Eastern Bankshares's current Cash-to-Debt is 0.70, which is 96% below median its own 10-year median of 17.97. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Eastern Bankshares stock overvalued right now?
Based on GuruFocus' analysis, Eastern Bankshares (FRA:EB0) is currently considered Modestly Undervalued. The stock's GF Value™ is €23.76, compared to a current price of €18.50 — trading 22.1% below its estimated fair value. The current Cash-to-Debt is 0.70, which is 96% below median its 10-year median of 17.97 and 49.8% below the Banks industry median of 1.40. Eastern Bankshares' overall GF Score™ is 70/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Eastern Bankshares (FRA:EB0), the current Cash-to-Debt is 0.70 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Eastern Bankshares (FRA:EB0) Overvalued in 2026?
Based on GuruFocus' analysis, Eastern Bankshares stock appears to be undervalued.
The current stock price of €18.50 is trading 22.1% below its estimated GF Value™ of €23.76.
GuruFocus considers Eastern Bankshares to be Modestly Undervalued.
Key valuation signals for FRA:EB0:
Cash-to-Debt: 0.70 (96% below median its 10-year median of 17.97)
GF Value™: €23.76 vs. price of €18.50 (22.1% below fair value)
Industry Position: 49.8% below the Banks median (#1019 of 1490)
No single metric tells the full story. See the FRA:EB0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
70GF Score
Get the complete analysis for FRA:EB0
Cash-to-Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:EB0 has been successfully added to your 
