39.64 USD
-0.3 (-0.75%)
39.64 USD
0 (0%)
Taking everything into account, EBTC scores 3 out of 10 in our fundamental rating. EBTC was compared to 387 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.
1. Profitability
1.1 Basic Checks
In the past year EBTC was profitable.
In the past year EBTC had a positive cash flow from operations.
Each year in the past 5 years EBTC has been profitable.
In the past 5 years EBTC always reported a positive cash flow from operatings.
1.2 Ratios
With a Return On Assets value of 0.83%, EBTC perfoms like the industry average, outperforming 50.13% of the companies in the same industry.
EBTC has a better Return On Equity (10.55%) than 73.55% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
EBTC has a Profit Margin of 23.38%. This is comparable to the rest of the industry: EBTC outperforms 48.87% of its industry peers.
EBTC's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for EBTC so they could not be analyzed.
| Industry Rank | Sector 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
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.
The debt/assets ratio for EBTC has been reduced compared to a year ago.
2.2 Solvency
EBTC has a debt to FCF ratio of 1.25. This is a very positive value and a sign of high solvency as it would only need 1.25 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 1.25, EBTC is doing good in the industry, outperforming 67.51% of the companies in the same industry.
EBTC has a Debt/Equity ratio of 0.16. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.16, EBTC is in line with its industry, outperforming 54.66% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | 1.25 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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.
EBTC shows a small growth in Revenue. In the last year, the Revenue has grown by 4.37%.
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 12.12, the valuation of EBTC can be described as correct.
Compared to the rest of the industry, the Price/Earnings ratio of EBTC is on the same level as its industry peers.
When comparing the Price/Earnings ratio of EBTC to the average of the S&P500 Index (26.46), we can say EBTC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.12 | ||
| Fwd PE | N/A |
4.2 Price Multiples
EBTC's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. EBTC is cheaper than 61.96% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.32 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)7.72
EPS Next 2YN/A
EPS Next 3YN/A
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 3.15.
Compared to an average S&P500 Dividend Yield of 2.32, EBTC has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.52% |
5.2 History
The dividend of EBTC is nicely growing with an annual growth rate of 8.93%!
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
5.3 Sustainability
EBTC pays out 26.66% of its income as dividend. This is a 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
39.64
-0.3 (-0.75%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners35.07%
Inst Owner Change-99.43%
Ins Owners11.28%
Ins Owner Change-95.46%
Market Cap495.90M
Revenue(TTM)173.94M
Net Income(TTM)40.66M
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.52% |
Yearly Dividend0.83
Dividend Growth(5Y)8.93%
DP26.66%
Div Incr Years19
Div Non Decr Years19
Ex-Date
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 | 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
Graham NumberN/A
Profitability
| Industry Rank | Sector 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
ROICexgc growth 3YN/A
ROICexgc 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 Rank | Sector 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%
ENTERPRISE BANCORP INC / EBTC FAQ
What is the fundamental rating for EBTC stock?
ChartMill assigns a fundamental rating of 3 / 10 to EBTC.
What is the valuation status for EBTC stock?
ChartMill assigns a valuation rating of 2 / 10 to ENTERPRISE BANCORP INC (EBTC). This can be considered as Overvalued.
Can you provide the profitability details for ENTERPRISE BANCORP INC?
ENTERPRISE BANCORP INC (EBTC) has a profitability rating of 3 / 10.
How sustainable is the dividend of ENTERPRISE BANCORP INC (EBTC) stock?
The dividend rating of ENTERPRISE BANCORP INC (EBTC) is 6 / 10 and the dividend payout ratio is 26.66%.