COMP <GO>
EBC vs TFSL // EV/EBITDA & P/E VALUATION
Eastern Bankshares Inc. (NASDAQ) VS. TFS Financial Corporation (NASDAQ) • 15-METRIC TALLY: EBC 5
— TFSL 2
■ METRIC PARITY
LAST: $22.64 (+0.53%) • MKT CAP: $5.17B
valuation
95.0x
LAST: $16.76 (+0.54%) • MKT CAP: $4.70B
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (EBC VS. TFSL)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | EBC | TFSL | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 0.70% | 4.80% | -4.10 | TFSL | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | 95.0x | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 8.24% | 1.51% | +6.73 | EBC | /fcf-yield <GO> |
| Operating Margin | 75.00% | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 65.80% | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | 19.10% | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.04% | 1.27% | +0.77 | EBC | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 7/9 | 4/9 | +3.00 | EBC | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 64.9 | 46.1 | +18.80 | EBC | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.12 | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 49.2x | 48.1x | +1.10 | TFSL | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $5.17B | $4.70B | $473.3M | EBC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | EBC REV | TFSL REV | EBC GROSS % | TFSL GROSS % | EBC FCF | TFSL FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $134.1M | $0 | — | — | $426.4M | $71.0M |
| FY 2024 | $112.6M | $0 | — | — | $278.8M | $85.5M |
| FY 2023 | $76.9M | $0 | — | — | $258.2M | $90.7M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
EBC // BETA 1.12
TFSL // BETA —