ENTERPRISE BANCORP INC (EBTC) Stock Fundamental Analysis
USA - NASDAQ:EBTC - US2936681095 - Common Stock
39.64 USD
-0.3 (-0.75%)
39.64 USD
0 (0%)
Overall EBTC gets a fundamental rating of 3 out of 10. We evaluated EBTC against 388 industry peers in the Banks industry. EBTC may be in some trouble as it scores bad on both profitability and health. EBTC does not seem to be growing, but still is valued expensively.
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.
EBTC had positive earnings in each of the past 5 years.
EBTC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
EBTC's Return On Assets of 0.83% is in line compared to the rest of the industry. EBTC outperforms 50.13% of its industry peers.
The Return On Equity of EBTC (10.55%) is better 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 (23.38%) 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) | 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.
EBTC has a better debt/assets ratio than last year.
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 Debt to FCF ratio of 1.25. This is in the better half of the industry: EBTC outperforms 67.51% of its industry peers.
EBTC has a Debt/Equity ratio of 0.16. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.16, EBTC perfoms like the industry average, 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.
EBTC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.57% yearly.
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.
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.
EBTC's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of EBTC to the average of the S&P500 Index (25.91), we can say EBTC is valued rather cheaply.
| 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
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.
Compared to an average industry Dividend Yield of 3.38, EBTC has a dividend in line with its industry peers.
EBTC's Dividend Yield is comparable with the S&P500 average which is at 2.36.
| 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 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
EBTC pays out 26.66% of its income as dividend. This is a sustainable payout ratio.
EBTC's earnings are growing slower than its dividend. 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-23%
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%.