ENTERPRISE BANCORP INC(NASDAQ:EBTC) stock Fundamental Analysis

Fundamental Rating

Overall EBTC gets a fundamental rating of 3 out of 10. We evaluated EBTC against 404 industry peers in the Banks industry. Both the profitability and financial health of EBTC have multiple concerns. EBTC is valued expensive and it does not seem to be growing.

Quickly go to:

1. Profitability

1.1 Basic Checks

EBTC had positive earnings in the past year.

EBTC had a positive operating cash flow in the past year.

In the past 5 years EBTC has always been profitable.

Of the past 5 years EBTC 4 years had a positive operating cash flow.

1.2 Ratios

EBTC has a Return On Assets of 0.76%. This is comparable to the rest of the industry: EBTC outperforms 45.98% of its industry peers.

EBTC's Return On Equity of 9.76% is fine compared to the rest of the industry. EBTC outperforms 68.34% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.76%
ROE	9.76%
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

1.3 Margins

EBTC has a Profit Margin (21.29%) 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 Rank	Sector Rank
OM	N/A
PM (TTM)	21.29%
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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

2. Health

2.1 Basic Checks

EBTC does not have a ROIC to compare to the WACC, probably because it is not profitable.

EBTC has more shares outstanding than it did 1 year ago.

Compared to 5 years ago, EBTC has more shares outstanding

Compared to 1 year ago, EBTC has an improved debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of EBTC is 1.38, which is an excellent value as it means it would take EBTC, only 1.38 years of fcf income to pay off all of its debts.

EBTC has a better Debt to FCF ratio (1.38) than 69.60% of its industry peers.

A Debt/Equity ratio of 0.16 indicates that EBTC is not too dependend on debt financing.

The Debt to Equity ratio of EBTC (0.16) is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0.16
Debt/FCF	1.38
Altman-Z	N/A

ROIC/WACCN/A

WACC13.55%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

EBTC shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 0.60%.

EBTC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.57% yearly.

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)0.6%

EPS 3Y-3.72%

EPS 5Y1.57%

EPS Q2Q%33.64%

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.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 13.96 indicates a correct valuation of EBTC.

The rest of the industry has a similar Price/Earnings ratio as EBTC.

EBTC is valuated cheaply when we compare the Price/Earnings ratio to 30.43, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	13.96
Fwd PE	N/A

4.2 Price Multiples

EBTC's Price/Free Cash Flow is on the same level as the industry average.

		Industry Rank	Sector Rank
P/FCF	12.51
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)8.89

EPS Next 2YN/A

EPS Next 3YN/A

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

EBTC has a Yearly Dividend Yield of 2.32%.

Compared to an average industry Dividend Yield of 3.16, EBTC is paying slightly less dividend.

EBTC's Dividend Yield is comparable with the S&P500 average which is at 2.30.

		Industry Rank	Sector Rank
Dividend Yield	2.32%

5.2 History

The dividend of EBTC is nicely growing with an annual growth rate of 6.57%!

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)6.57%

Div Incr Years19

Div Non Decr Years19

5.3 Sustainability

28.15% of the earnings are spent on dividend by EBTC. This is a low number and sustainable payout ratio.

The dividend of EBTC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP28.15%

EPS Next 2YN/A

EPS Next 3YN/A

More info and screens

Find the best dividend stocks

Show peers with best dividend

ENTERPRISE BANCORP INC

NASDAQ:EBTC (2/18/2025, 8:00:01 PM)

After market: 43.57 0 (0%)

43.57

+0.52 (+1.21%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-23 2025-01-23

Earnings (Next)04-21 2025-04-21

Inst Owners31.65%

Inst Owner Change0.6%

Ins Owners10.91%

Ins Owner Change0.12%

Market Cap542.45M

Analysts0

Price TargetN/A

Short Float %1.06%

Short Ratio2.13

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.32%

Yearly Dividend0.8

Dividend Growth(5Y)6.57%

DP28.15%

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 Rank	Sector Rank
PE	13.96
Fwd PE	N/A
P/S	3.22
P/FCF	12.51
P/OCF	11.23
P/B	1.47
P/tB	1.5
EV/EBITDA	N/A

EPS(TTM)3.12

EY7.16%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)3.48

FCFY7.99%

OCF(TTM)3.88

OCFY8.9%

SpS13.55

BVpS29.57

TBVpS29.11

PEG (NY)N/A

PEG (5Y)8.89

Profitability

		Industry Rank	Sector Rank
ROA	0.76%
ROE	9.76%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	21.29%
GM	N/A
FCFM	25.71%

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-Score5

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.16
Debt/FCF	1.38
Debt/EBITDA	N/A
Cap/Depr	84.91%
Cap/Sales	2.92%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	120.76%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC13.55%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)0.6%

EPS 3Y-3.72%

EPS 5Y1.57%

EPS Q2Q%33.64%

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-28.07%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-25.58%

OCF growth 3YN/A

OCF growth 5YN/A

ENTERPRISE BANCORP INC (EBTC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens