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ENTERPRISE BANCORP INC (EBTC) Stock Fundamental Analysis

NASDAQ:EBTC - Nasdaq - US2936681095 - Common Stock - Currency: USD

35.03  +0.15 (+0.43%)

After market: 35.03 0 (0%)

Fundamental Rating

3

EBTC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 398 industry peers in the Banks industry. Both the profitability and financial health of EBTC have multiple concerns. EBTC has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year EBTC was profitable.
EBTC had a positive operating cash flow in the past year.
Each year in the past 5 years EBTC has been profitable.
Each year in the past 5 years EBTC had a positive operating cash flow.
EBTC Yearly Net Income VS EBIT VS OCF VS FCFEBTC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

1.2 Ratios

The Return On Assets of EBTC (0.80%) is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 10.74%, EBTC is in the better half of the industry, outperforming 75.38% of the companies in the same industry.
Industry RankSector Rank
ROA 0.8%
ROE 10.74%
ROIC N/A
ROA(3y)0.87%
ROA(5y)0.87%
ROE(3y)12.48%
ROE(5y)11.8%
ROIC(3y)N/A
ROIC(5y)N/A
EBTC Yearly ROA, ROE, ROICEBTC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

EBTC has a Profit Margin (22.68%) which is in line with its industry peers.
In the last couple of years the Profit Margin of EBTC has declined.
EBTC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 22.68%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.96%
PM growth 5Y-2.59%
GM growth 3YN/A
GM growth 5YN/A
EBTC Yearly Profit, Operating, Gross MarginsEBTC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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3

2. Health

2.1 Basic Checks

EBTC does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, EBTC has more shares outstanding
The number of shares outstanding for EBTC has been increased compared to 5 years ago.
EBTC has a better debt/assets ratio than last year.
EBTC Yearly Shares OutstandingEBTC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
EBTC Yearly Total Debt VS Total AssetsEBTC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

2.2 Solvency

EBTC has a debt to FCF ratio of 1.36. This is a very positive value and a sign of high solvency as it would only need 1.36 years to pay back of all of its debts.
EBTC has a better Debt to FCF ratio (1.36) than 68.34% of its industry peers.
EBTC has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.
EBTC has a Debt to Equity ratio (0.17) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 1.36
Altman-Z N/A
ROIC/WACCN/A
WACC16.64%
EBTC Yearly LT Debt VS Equity VS FCFEBTC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
EBTC Yearly Current Assets VS Current LiabilitesEBTC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

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2

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 0.61% over the past year.
The Earnings Per Share has been growing slightly by 1.57% on average over the past years.
Looking at the last year, EBTC shows a small growth in Revenue. The Revenue has grown by 0.03% in the last year.
EBTC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.25% yearly.
EPS 1Y (TTM)0.61%
EPS 3Y-3.72%
EPS 5Y1.57%
EPS Q2Q%33.7%
Revenue 1Y (TTM)0.03%
Revenue growth 3Y2.25%
Revenue growth 5Y5.25%
Sales Q2Q%4.86%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EBTC Yearly Revenue VS EstimatesEBTC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

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2

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 11.23, the valuation of EBTC can be described as very reasonable.
EBTC's Price/Earnings ratio is in line with the industry average.
EBTC is valuated cheaply when we compare the Price/Earnings ratio to 28.29, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.23
Fwd PE N/A
EBTC Price Earnings VS Forward Price EarningsEBTC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as EBTC.
Industry RankSector Rank
P/FCF 9.91
EV/EBITDA N/A
EBTC Per share dataEBTC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)7.15
EPS Next 2YN/A
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

EBTC has a Yearly Dividend Yield of 2.87%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.78, EBTC is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.57, EBTC has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.87%

5.2 History

The dividend of EBTC is nicely growing with an annual growth rate of 8.93%!
EBTC has paid a dividend for at least 10 years, which is a reliable track record.
EBTC has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)8.93%
Div Incr Years19
Div Non Decr Years19
EBTC Yearly Dividends per shareEBTC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

26.53% of the earnings are spent on dividend by EBTC. This is a low number and sustainable payout ratio.
EBTC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP26.53%
EPS Next 2YN/A
EPS Next 3YN/A
EBTC Yearly Income VS Free CF VS DividendEBTC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
EBTC Dividend Payout.EBTC Dividend Payout, showing the Payout Ratio.EBTC Dividend Payout.PayoutRetained Earnings

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ENTERPRISE BANCORP INC

NASDAQ:EBTC (4/17/2025, 8:14:37 PM)

After market: 35.03 0 (0%)

35.03

+0.15 (+0.43%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-17 2025-04-17/amc
Earnings (Next)07-21 2025-07-21
Inst Owners34.04%
Inst Owner Change0%
Ins Owners11.09%
Ins Owner Change0.98%
Market Cap436.47M
Analysts0
Price TargetN/A
Short Float %0.98%
Short Ratio2.64
Dividend
Industry RankSector Rank
Dividend Yield 2.87%
Yearly Dividend0.83
Dividend Growth(5Y)8.93%
DP26.53%
Div Incr Years19
Div Non Decr Years19
Ex-Date02-10 2025-02-10 (0.25)
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 11.23
Fwd PE N/A
P/S 2.56
P/FCF 9.91
P/OCF 9.38
P/B 1.21
P/tB 1.23
EV/EBITDA N/A
EPS(TTM)3.12
EY8.91%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)3.54
FCFY10.1%
OCF(TTM)3.73
OCFY10.66%
SpS13.7
BVpS28.95
TBVpS28.5
PEG (NY)N/A
PEG (5Y)7.15
Profitability
Industry RankSector Rank
ROA 0.8%
ROE 10.74%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 22.68%
GM N/A
FCFM 25.81%
ROA(3y)0.87%
ROA(5y)0.87%
ROE(3y)12.48%
ROE(5y)11.8%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.96%
PM growth 5Y-2.59%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 1.36
Debt/EBITDA N/A
Cap/Depr 43.98%
Cap/Sales 1.44%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 113.76%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC16.64%
ROIC/WACCN/A
Cap/Depr(3y)70%
Cap/Depr(5y)72.43%
Cap/Sales(3y)2.6%
Cap/Sales(5y)2.99%
Profit Quality(3y)116.4%
Profit Quality(5y)118.72%
High Growth Momentum
Growth
EPS 1Y (TTM)0.61%
EPS 3Y-3.72%
EPS 5Y1.57%
EPS Q2Q%33.7%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)0.03%
Revenue growth 3Y2.25%
Revenue growth 5Y5.25%
Sales Q2Q%4.86%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-13.83%
FCF growth 3Y-8.77%
FCF growth 5Y7.2%
OCF growth 1Y-18.59%
OCF growth 3Y-9.24%
OCF growth 5Y1.3%