Eastern Bankshares (FRA:EB0) Moat Score: 4/10 (As of Jun. 28, 2026)


FRA:EB0 Eastern Bankshares Inc FRA:EB0
63 GF Score
Price €18.60
GF Value €24.47
Valuation Modestly Undervalued
! 5 Warning Signs
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What is Eastern Bankshares Moat Score?

Eastern Bankshares FRA:EB0 +1.64% 63 Moat Score is 4 as of Jun. 28, 2026. GuruFocus rates FRA:EB0 with a GF Score™ of 63/100 and a GF Value™ of €24.47 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 1,614 Banks companies, Eastern Bankshares ranks better than 86.25% on this metric.

Eastern Bankshares has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Eastern Bankshares has Narrow Moat: Eastern Bankshares has a discernible but modest moat due to its regional market leadership and customer loyalty. However, it lacks significant network effects or cost advantages to elevate it beyond a narrow moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Eastern Bankshares might have Narrow Moat - Discernible but modest moat.

Eastern Bankshares  (FRA:EB0) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Eastern Bankshares Moat Score Related Terms

FRA:EB0 vs SFBS, FULT, TCBI: Moat Score Comparison

For the Banks - Regional subindustry, Eastern Bankshares's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Eastern Bankshares's Moat Score distribution charts can be found below:

* The bar in red indicates where Eastern Bankshares's Moat Score falls into.


FRA:EB0
63GF Score
Eastern Bankshares Inc FRA:EB0
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Eastern Bankshares (FRA:EB0) has a Moat Score of 4 as of Jun. 28, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Eastern Bankshares ranks #222 out of 1614 companies in the Banks industry, placing it in the top 13.8%.
Is Eastern Bankshares' Moat Score too high?
Eastern Bankshares' current Moat Score is 4. Based on the distribution chart, Eastern Bankshares ranks #222 out of 1614 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 63/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Eastern Bankshares' Moat Score compare to SFBS and FULT?
According to the Banks industry distribution chart, Eastern Bankshares ranks #222 out of 1614 companies for Moat Score. This places Eastern Bankshares in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Eastern Bankshares's current Moat Score is 4. 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 €24.47, compared to a current price of €18.60 — trading 24% below its estimated fair value. The current Moat Score is 4. Eastern Bankshares' overall GF Score™ is 63/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Eastern Bankshares (FRA:EB0), the current Moat Score is 4 as of Jun. 28, 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 €18.60 is trading 24% below its estimated GF Value™ of €24.47. GuruFocus considers Eastern Bankshares to be Modestly Undervalued.

Key valuation signals for FRA:EB0:

  • Moat Score: 4
  • GF Value™: €24.47 vs. price of €18.60 (24% below fair value)
  • GF Score™: 63/100 with 5 warning signs

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 Business Description

Other Exchanges EBC:USA
Address 125 High Street, Boston, MA, USA, 02110
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.
63GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€18.60
Price
€24.47
GF Value