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ENTERPRISE BANCORP INC (EBTC) Stock Fundamental Analysis

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

39.64  -0.3 (-0.75%)

After market: 39.64 0 (0%)

Fundamental Rating

3

EBTC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 396 industry peers in the Banks industry. Both the profitability and financial health of EBTC have multiple concerns. EBTC does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

EBTC had positive earnings in the past year.
In the past year EBTC had a positive cash flow from operations.
EBTC had positive earnings in each of the past 5 years.
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

EBTC has a Return On Assets (0.83%) which is in line with its industry peers.
EBTC's Return On Equity of 10.55% is fine compared to the rest of the industry. EBTC outperforms 73.55% of its industry peers.
Industry RankSector Rank
ROA 0.83%
ROE 10.55%
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

Looking at the Profit Margin, with a value of 23.38%, EBTC is in line with its industry, outperforming 48.87% of the companies in the same industry.
EBTC's Profit Margin has declined in the last couple of years.
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) 23.38%
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.
EBTC has more shares outstanding than it did 1 year ago.
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

The Debt to FCF ratio of EBTC is 1.25, which is an excellent value as it means it would take EBTC, only 1.25 years of fcf income to pay off all of its debts.
EBTC has a better Debt to FCF ratio (1.25) than 67.51% 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 RankSector Rank
Debt/Equity 0.16
Debt/FCF 1.25
Altman-Z N/A
ROIC/WACCN/A
WACC16%
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 grown by an nice 12.04% over the past year.
Measured over the past 5 years, EBTC shows a small growth in Earnings Per Share. The EPS has been growing by 1.57% on average per year.
The Revenue has been growing slightly by 4.37% in the past year.
Measured over the past years, EBTC shows a small growth in Revenue. The Revenue has been growing by 5.25% on average per year.
EPS 1Y (TTM)12.04%
EPS 3Y-3.72%
EPS 5Y1.57%
EPS Q2Q%20.78%
Revenue 1Y (TTM)4.37%
Revenue growth 3Y2.25%
Revenue growth 5Y5.25%
Sales Q2Q%7.85%

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 12.12, EBTC is valued correctly.
EBTC's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 28.04. EBTC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.12
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

Based on the Price/Free Cash Flow ratio, EBTC is valued a bit cheaper than the industry average as 61.96% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 10.32
EV/EBITDA N/A
EBTC Per share dataEBTC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)7.72
EPS Next 2YN/A
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

EBTC has a Yearly Dividend Yield of 2.52%. Purely for dividend investing, there may be better candidates out there.
EBTC's Dividend Yield is comparable with the industry average which is at 3.27.
Compared to an average S&P500 Dividend Yield of 2.35, EBTC has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.52%

5.2 History

On average, the dividend of EBTC grows each year by 8.93%, which is quite nice.
EBTC has been paying a dividend for at least 10 years, so it has 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

26.66% 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.
DP26.66%
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 (6/30/2025, 8:02:00 PM)

After market: 39.64 0 (0%)

39.64

-0.3 (-0.75%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-17 2025-04-17/amc
Earnings (Next)07-17 2025-07-17
Inst Owners35.07%
Inst Owner Change-0.36%
Ins Owners11.28%
Ins Owner Change-93.7%
Market Cap495.90M
Analysts0
Price TargetN/A
Short Float %1.18%
Short Ratio5.51
Dividend
Industry RankSector Rank
Dividend Yield 2.52%
Yearly Dividend0.83
Dividend Growth(5Y)8.93%
DP26.66%
Div Incr Years19
Div Non Decr Years19
Ex-Date05-12 2025-05-12 (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 12.12
Fwd PE N/A
P/S 2.85
P/FCF 10.32
P/OCF 9.97
P/B 1.29
P/tB 1.31
EV/EBITDA N/A
EPS(TTM)3.27
EY8.25%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)3.84
FCFY9.69%
OCF(TTM)3.98
OCFY10.03%
SpS13.9
BVpS30.8
TBVpS30.35
PEG (NY)N/A
PEG (5Y)7.72
Profitability
Industry RankSector Rank
ROA 0.83%
ROE 10.55%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.38%
GM N/A
FCFM 27.63%
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-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 1.25
Debt/EBITDA N/A
Cap/Depr 30.58%
Cap/Sales 0.97%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 118.2%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC16%
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)12.04%
EPS 3Y-3.72%
EPS 5Y1.57%
EPS Q2Q%20.78%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)4.37%
Revenue growth 3Y2.25%
Revenue growth 5Y5.25%
Sales Q2Q%7.85%
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-9.11%
FCF growth 3Y-8.77%
FCF growth 5Y7.2%
OCF growth 1Y-12.63%
OCF growth 3Y-9.24%
OCF growth 5Y1.3%