ENTERPRISE BANCORP INC (EBTC)
US2936681095 - Common Stock
EBTC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 412 industry peers in the Banks industry. Both the profitability and financial health of EBTC have multiple concerns. EBTC has a valuation in line with the averages, but it does not seem to be growing. EBTC also has an excellent dividend rating.
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.
1.2 Ratios
EBTC's Return On Assets of 0.85% is in line compared to the rest of the industry. EBTC outperforms 49.51% of its industry peers.
With a decent Return On Equity value of 11.56%, EBTC is doing good in the industry, outperforming 76.94% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.85% | ||
| ROE | 11.56% | ||
| ROIC | N/A |
ROA(3y)0.92%
ROA(5y)0.92%
ROE(3y)12.95%
ROE(5y)11.96%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a Profit Margin value of 22.30%, EBTC perfoms like the industry average, outperforming 42.23% of the companies in the same industry.
EBTC's Profit Margin has been stable 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) | 22.3% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.4%
PM growth 5Y-1.4%
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.
The number of shares outstanding for EBTC has been increased compared to 1 year ago.
Compared to 5 years ago, EBTC has more shares outstanding
Compared to 1 year ago, EBTC has about the same debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of EBTC is 1.16, which is an excellent value as it means it would take EBTC, only 1.16 years of fcf income to pay off all of its debts.
EBTC has a Debt to FCF ratio of 1.16. This is in the better half of the industry: EBTC outperforms 73.79% of its industry peers.
EBTC has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
EBTC has a better Debt to Equity ratio (0.18) than 60.68% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.16 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.79%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for EBTC have decreased strongly by -11.56% in the last year.
Measured over the past 5 years, EBTC shows a small growth in Earnings Per Share. The EPS has been growing by 4.79% on average per year.
Looking at the last year, EBTC shows a small growth in Revenue. The Revenue has grown by 0.25% in the last year.
Measured over the past years, EBTC shows a small growth in Revenue. The Revenue has been growing by 7.16% on average per year.
EPS 1Y (TTM)-11.56%
EPS 3Y5.59%
EPS 5Y4.79%
EPS growth Q2Q-36.22%
Revenue 1Y (TTM)0.25%
Revenue growth 3Y5.04%
Revenue growth 5Y7.16%
Revenue growth Q2Q-9.3%
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
EBTC is valuated cheaply with a Price/Earnings ratio of 7.97.
Based on the Price/Earnings ratio, EBTC is valued a bit cheaper than the industry average as 75.24% of the companies are valued more expensively.
EBTC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.06.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.97 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, EBTC is valued cheaply inside the industry as 81.80% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.93 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.66
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
EBTC has a Yearly Dividend Yield of 3.90%.
Compared to an average industry Dividend Yield of 3.84, EBTC has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.41, EBTC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.9% |
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 Years16
Div Non Decr Years16
5.3 Sustainability
25.58% 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.
DP25.58%
EPS Next 2YN/A
EPS Next 3YN/A
ENTERPRISE BANCORP INC
NASDAQ:EBTC (5/2/2024, 7:00:01 PM)
After market: 24.71 0 (0%)24.71
+0.09 (+0.37%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap303.44M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.9% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.97 | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)1.66
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.85% | ||
| ROE | 11.56% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 22.3% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-11.56%
EPS 3Y5.59%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)0.25%
Revenue growth 3Y5.04%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y