ENTERPRISE BANCORP INC (EBTC) Fundamental Analysis & Valuation

NASDAQ:EBTC • US2936681095

Current stock price

39.64 USD
-0.3 (-0.75%)
At close:
39.64 USD
0 (0%)
After Hours:

This EBTC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. EBTC Profitability Analysis

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.
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 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.
  • Looking at the Return On Equity, with a value of 10.55%, EBTC is in the better half of the industry, outperforming 73.55% of the companies in the same industry.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • EBTC has a Profit Margin (23.38%) which is comparable to the rest of the 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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3

2. EBTC Health Analysis

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.
  • EBTC has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, EBTC has an improved debt to assets ratio.
EBTC Yearly Shares OutstandingEBTC Yearly Shares OutstandingYearly Shares Outstanding 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 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 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.
  • 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 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

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2

3. EBTC Growth Analysis

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.
  • EBTC shows a small growth in Revenue. In the last year, the Revenue has grown by 4.37%.
  • The Revenue has been growing slightly by 5.25% on average over the past years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

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2

4. EBTC Valuation Analysis

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.
  • EBTC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.21.
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of EBTC indicates a somewhat cheap valuation: EBTC is cheaper than 61.96% of the companies listed in the same industry.
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. EBTC Dividend Analysis

5.1 Amount

  • EBTC has a Yearly Dividend Yield of 2.52%.
  • EBTC's Dividend Yield is comparable with the industry average which is at 2.73.
  • EBTC's Dividend Yield is a higher than the S&P500 average which is at 1.89.
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 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
EBTC Yearly Dividends per shareEBTC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

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
EBTC Yearly Income VS Free CF VS DividendEBTC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 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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EBTC Fundamentals: All Metrics, Ratios and Statistics

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
Earnings (Next)07-17
Inst Owners35.07%
Inst Owner ChangeN/A
Ins Owners11.28%
Ins Owner Change0%
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 RankSector Rank
Dividend Yield 2.52%
Yearly Dividend0.83
Dividend Growth(5Y)8.93%
DP26.66%
Div Incr Years19
Div Non Decr Years19
Ex-DateN/A
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
Graham NumberN/A
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
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 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%

ENTERPRISE BANCORP INC / EBTC Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for ENTERPRISE BANCORP INC?

ChartMill assigns a fundamental rating of 3 / 10 to EBTC.


Can you provide the valuation status for ENTERPRISE BANCORP INC?

ChartMill assigns a valuation rating of 2 / 10 to ENTERPRISE BANCORP INC (EBTC). This can be considered as Overvalued.


What is the profitability of EBTC stock?

ENTERPRISE BANCORP INC (EBTC) has a profitability rating of 3 / 10.


What is the valuation of ENTERPRISE BANCORP INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for ENTERPRISE BANCORP INC (EBTC) is 12.12 and the Price/Book (PB) ratio is 1.29.