[subject] + 终归 + 是 + [noun]
[subject] + 终归 + 会 / 要 + [verb phrase]
归根结底,[clause]
[topic],归根结底 + 是 / 在于 + [noun]
终归 and 归根结底 both get past the details to what really matters, but they sit in different places. 终归 is an adverb before the predicate. 归根结底 is a four-character phrase that opens the sentence or follows its topic, usually set off by a comma.
With 是, 终归 reminds the listener of a basic fact that should change how they judge. With 会 or 要, it says something will happen in the end, however long it takes.
毕竟 and 终究 are close in meaning; 终归 is a little more literary than 毕竟.
归根结底 – "return to the root, reach the bottom" – introduces what lies under everything said so far. The clause after it often has 是 or 在于 "lies in".
归根到底 is a variant with the same meaning.
归根结底 is about cause and essence, so it can't mean "eventually". For "it will happen in the end", use 终归.