EBTC Fundamental Analysis - ENTERPRISE BANCORP INC

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to EBTC. EBTC was compared to 396 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.

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1. Profitability

1.1 Basic Checks

In the past year EBTC was profitable.

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

In the past 5 years EBTC has always been profitable.

Each year in the past 5 years EBTC had a positive operating cash flow.

1.2 Ratios

The Return On Assets of EBTC (0.83%) is comparable to the rest of the industry.

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 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.

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)	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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

The debt/assets ratio for EBTC has been reduced compared to a year ago.

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.

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

EBTC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.04%, which is quite good.

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.

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Find the best growth stocks

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 12.12 indicates a correct valuation of EBTC.

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

The average S&P500 Price/Earnings ratio is at 27.46. EBTC is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	12.12
Fwd PE	N/A

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 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

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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 3.29.

Compared to an average S&P500 Dividend Yield of 2.34, 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 paid a dividend for at least 10 years, which is a reliable track record.

EBTC has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.

Dividend Growth(5Y)8.93%

Div Incr Years19

Div Non Decr Years19

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

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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 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-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 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

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

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 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) 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