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 -1.50%73 Equity-to-Asset is 0.14 as of Mar. 2026, which is at its 10-year median of 0.14. GuruFocus rates FRA:EB0 with a GF Score™ of 73/100 and a GF Value™ of €23.73 (Modestly Undervalued). The stock has 6 warning signs investors should review. Among 1,525 Banks companies, Eastern Bankshares ranks better than 83.28% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Eastern Bankshares's Total Stockholders Equity for the quarter that ended in Mar. 2026 was €3,707.5 Mil. Eastern Bankshares's Total Assets for the quarter that ended in Mar. 2026 was €26,497.2 Mil.
Therefore, Eastern Bankshares's Equity to Asset Ratio for the quarter that ended in Mar. 2026 was 0.14.
The historical rank and industry rank for Eastern Bankshares's Equity-to-Asset or its related term are showing as below:
FRA:EB0'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.11 Med: 0.14 Max: 0.22
Current: 0.14
During the past 8 years, the highest Equity to Asset Ratio of Eastern Bankshares was 0.22. The lowest was 0.11. And the median was 0.14.
FRA:EB0's Equity-to-Asset is ranked better than 83.28% of 1525
companies
in the Banks industry
Industry Median: 0.1
vs FRA:EB0: 0.14
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Eastern Bankshares Equity-to-Asset Related Terms
Eastern Bankshares Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Eastern Bankshares's Equity-to-Asset 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.
FRA:EB0 vs FINN, TFSL, AX: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Eastern Bankshares's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Eastern Bankshares's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Eastern Bankshares's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Eastern Bankshares's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.14 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Eastern Bankshares and its competitors. This is near median its historical median of 0.14. Over the past decade, Eastern Bankshares' Equity-to-Asset has ranged from 0.11 to 0.22. According to the industry distribution chart, Eastern Bankshares ranks #255 out of 1525 companies in the Banks industry, placing it in the top 16.7%.
Is Eastern Bankshares' Equity-to-Asset too high?
Eastern Bankshares' current Equity-to-Asset of 0.14 is near median its 10-year median of 0.14. Over the past 10 years, this metric has ranged from a low of 0.11 to a high of 0.22. The Banks industry median Equity-to-Asset is 0.10. Eastern Bankshares' value of 0.14 is 40% above this industry median. Based on the distribution chart, Eastern Bankshares ranks #255 out of 1525 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Eastern Bankshares has a GF Score™ of 73/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Eastern Bankshares' Equity-to-Asset compare to FINN and TFSL?
According to the Banks industry distribution chart, Eastern Bankshares ranks #255 out of 1525 companies for Equity-to-Asset. This places Eastern Bankshares in the top 17% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. Eastern Bankshares' value of 0.14 is 40% above this benchmark. Historically, Eastern Bankshares' own Equity-to-Asset has ranged from 0.11 to 0.22 over the past decade. While the company's 10-year median is 0.14 vs. the industry median of 0.10, Eastern Bankshares has consistently been above 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Eastern Bankshares's current Equity-to-Asset of 0.14 is 40% above 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Eastern Bankshares and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Eastern Bankshares's current Equity-to-Asset is 0.14, which is near median its own 10-year median of 0.14. 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 €23.73, compared to a current price of €19.70 — trading 17% below its estimated fair value. The current Equity-to-Asset is 0.14, which is near median its 10-year median of 0.14 and 40% above the Banks industry median of 0.10. Eastern Bankshares' overall GF Score™ is 73/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Eastern Bankshares (FRA:EB0), the current Equity-to-Asset is 0.14 as of Mar. 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 €19.70 is trading 17% below its estimated GF Value™ of €23.73.
GuruFocus considers Eastern Bankshares to be Modestly Undervalued.
Key valuation signals for FRA:EB0:
Equity-to-Asset: 0.14 (near median its 10-year median of 0.14)
GF Value™: €23.73 vs. price of €19.70 (17% below fair value)
Industry Position: 40% above the Banks median (#255 of 1525)
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.
73GF Score
Get the complete analysis for FRA:EB0
Equity-to-Asset 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 
