Sifting through countless of stocks in the Banks industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in Eastern Bankshares, Inc., Stellar Bancorp or Inc. because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how Eastern Bankshares, Inc., Stellar Bancorp and Inc. compare based on key financial metrics to determine which better meets your investment needs.

About Eastern Bankshares, Inc., Stellar Bancorp and Inc.

Eastern Bankshares, Inc. operates as the bank holding company for Eastern Bank that provides banking, trust, and investment services to retail, commercial, and small business customers. The company provides deposit accounts, interest checking accounts, money market accounts, savings accounts, and time certificates of deposit accounts. It also offers commercial and industrial, such as asset based lending portfolio; commercial real estate and construction; small business, residential real estate, and home equity loans; lines of credit; and other consumer loans comprising unsecured personal lines of credit, overdraft protection, automobile loans, home improvement loans, airplane loans, and other personal loans. In addition, the company provides wealth management and trust services, financial planning, and portfolio management; and automated lock box collection, cash management, and account reconciliation services. Eastern Bankshares, Inc. was founded in 1818 and is headquartered in Boston, Massachusetts.

Stellar Bancorp, Inc. operates as the bank holding company that provides a range of commercial banking products and services primarily to small and medium-sized businesses, professionals, and individual customers. It offers deposit products that include checking accounts, commercial accounts, money market accounts, savings accounts, and other time deposits, as well as convenient services, such as telephone, mobile, and online banking. The company also provides commercial and industrial loans; commercial real estate loans comprising multi-family residential loans; commercial real estate construction and land development loans; residential real estate loans comprising 1-4 family residential mortgage loans, including home equity and home improvement loans, and home equity lines of credit; commercial and retail lending services, such as loans to small businesses, mortgage loans, personal loans, and automobile loans; and factoring services. In addition, it offers safe deposit boxes, debit cards, cash management and wire transfer services, night depository services, direct deposits, cashier’s checks, and letters of credit. Stellar Bancorp, Inc. was founded in 2007 and is headquartered in Houston, Texas.

Latest Banks and Eastern Bankshares, Inc., Stellar Bancorp, Inc. Stock News

As of February 10, 2026, Eastern Bankshares, Inc. had a $4.9 billion market capitalization, compared to the Banks median of $560.8 million. Eastern Bankshares, Inc.’s stock is up 16.8% in 2026, down 1.2% in the previous five trading days and up 14.49% in the past year.

Currently, Eastern Bankshares, Inc.’s price-earnings ratio is 88.8. Eastern Bankshares, Inc.’s trailing 12-month revenue is $627.6 million with a 12.7% net profit margin. Year-over-year quarterly sales growth most recently was 49.9%. Analysts expect adjusted earnings to reach $1.945 per share for the current fiscal year. Eastern Bankshares, Inc. currently has a 2.4% dividend yield.

As of February 10, 2026, Stellar Bancorp, Inc. had a $2.0 billion market cap, putting it in the 55th percentile of all stocks. Stellar Bancorp, Inc.’s stock is up 28.3% in 2026, up 2.7% in the previous five trading days and up 35.32% in the past year.

Currently, Stellar Bancorp, Inc.’s price-earnings ratio is 20.4. Stellar Bancorp, Inc.’s trailing 12-month revenue is $416.5 million with a 24.9% net profit margin. Year-over-year quarterly sales growth most recently was -7.5%. Analysts expect adjusted earnings to reach $2.177 per share for the current fiscal year. Stellar Bancorp, Inc. currently has a 1.5% dividend yield.

How We Compare Eastern Bankshares, Inc., Stellar Bancorp and Inc. Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at Eastern Bankshares, Inc., Stellar Bancorp and Inc.’s stock grades to see how they measure up against one another.

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Eastern Bankshares, Inc., Stellar Bancorp and Inc. Stock Value Grades

Company	Ticker	Value
Eastern Bankshares, Inc.	EBC	D
Stellar Bancorp, Inc.	STEL	C

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection.

Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

AAII’s A+ Investor Value Grade derives from a stock’s value score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.

Eastern Bankshares, Inc. has a Value Score of 38, which is Expensive. Stellar Bancorp, Inc. has a Value Score of 50, which is Average.

The Value Stock Winner: No Clear Winner

Neither Eastern Bankshares, Inc., Stellar Bancorp or Inc. has a high enough value grade to be considered a “winner.” Investors who are considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolio. It’s important to look at a wide range of financial metrics in order to determine if Eastern Bankshares, Inc., Stellar Bancorp or Inc. is the better investment when it comes to value.

Eastern Bankshares, Inc., Stellar Bancorp and Inc.’s Quality Grades

Company	Ticker	Quality
Eastern Bankshares, Inc.	EBC	F
Stellar Bancorp, Inc.	STEL	D

Like the Value Grade, AAII’s A+ Investor Quality Grade comes from the percentile rank of key metrics. Specifically, the Quality Score is the percentile rank of the average of the percentile ranks of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and the F-Score.

The score is variable, meaning it can consider all eight measures or, should any of the eight measures not be valid, the remaining measures that are valid. To be assigned a Quality Score, stocks must have a valid (non-null) measure and corresponding ranking for at least four of the eight quality measures.

The Quality Score is used to assess the underlying “quality” of a particular stock. A higher-quality stock possesses traits associated with upside potential and reduced downside risk. Backtesting of the Quality Grade shows that stocks with higher grades, on average, outperformed stocks with lower grades over the period of 1998 through 2019.

Stocks receive better grades (higher scores) for having higher scores for the quality subcomponents and worse grades (lower scores) for lower scores for the subcomponents.

Eastern Bankshares, Inc. has a Quality Score of 19, which is Very Weak. Stellar Bancorp, Inc. has a Quality Score of 28, which is Weak.

The Quality Stock Winner: No Clear Winner

Neither Eastern Bankshares, Inc., Stellar Bancorp or Inc. has a high enough Quality Grade to be considered a “winner.” Investors who are considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if Eastern Bankshares, Inc., Stellar Bancorp or Inc. is the better investment when it comes to quality.

Eastern Bankshares, Inc., Stellar Bancorp and Inc.’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Eastern Bankshares, Inc.	EBC	C
Stellar Bancorp, Inc.	STEL	B

Earnings estimate revisions scores consider the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, positive surprises beget further positive surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

Eastern Bankshares, Inc. has a Earnings Estimate Score of 60, which is Neutral. Stellar Bancorp, Inc. has a Earnings Estimate Score of 62, which is Positive.

The Earnings Estimate Revisions Grade Winner: Stellar Bancorp, Inc.

As you can clearly see from the Earnings Estimate Revisions Grade breakdown above, Stellar Bancorp, Inc. has a better Earnings Estimate Revisions Grade than Eastern Bankshares, Inc.. For those who are specifically looking for companies with better short-term prospects when compared to other companies in the same industry, Stellar Bancorp, Inc. could be a good stock to invest in. However, it’s important to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Other Eastern Bankshares, Inc., Stellar Bancorp and Inc. Grades

In addition to Quality, Estimate Revisions and Value, A+ Investor also provides grades for Growth and Momentum.

Momentum grades help uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming.

Growth investing builds on the idea that stocks of companies exhibiting strong, consistent and prolonged growth outperform those of slower-growth companies. AAII measures growth through consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether Eastern Bankshares, Inc., Stellar Bancorp and Inc. pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Eastern Bankshares, Inc., Stellar Bancorp or Inc. Stock?

Overall, Eastern Bankshares, Inc. stock has a Value Score of 38, Estimate Revisions Score of 60 and Quality Score of 19.

Stellar Bancorp, Inc. stock has a Value Score of 50, Estimate Revisions Score of 62 and Quality Score of 28.

Comparing Eastern Bankshares, Inc., Stellar Bancorp and Inc.’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.