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15.88 (1y: +1%)
Market Cap 159.4 M P/E(ttm) 12.20
Enterprise Value 215 M P/B 1.10
EBTC- NAS (USA)
Enterprise Bancorp, Inc.
  • Currently 2.5/5
Business Predictability Rank: 2.5-Star
Back Testing Results:
Average gain of all 2.5-Star stocks: 7.3% per year.
% of Stocks that are in still loss if held for 10yrs: 18%.
Read more:
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Performances of real portfolio
Top Ranked Predictable Companies
$15.88
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Valuation Ratios|Valuation and Quality|Per share data|Common Size Ratios|Income Statment|Balance Sheet|Cashflow Statement
Annual Rates (per share) 10 yrs* 5 yrs* 12 months*
Revenue Growth (%) 5  3.9  3.3 
EBITDA Growth (%) -0  14.9  8.9 
Free Cash Flow Growth (%) -3.5  -6.9  55.3 
Book Value Growth (%) 7.7  5.3  6.7 

*12-month growth rate is calculated with the per share revenue (EBITDA, FCF, earnings) of the last 12 months over the per share revenue (EBITDA, FCF, earnings) over the previous 12 months. 5-year and 10-year growth rates are calculated with least-square regression based on the 5-year and 10-year numbers.
   Trendline:
Export: Download financial data to Excel Download financial data to CSV  Print This Table Print helpSee this page for the explanation of the data and charts * All numbers are in millions except for per share data
Per Share DataAnnualsQuarterly
Fiscal Period
 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 TTM Mar12 Jun12 Sep12 Dec12 Mar13
   
Revenue per Share ($)
4.99
5.14
5.79
6.19
6.42
6.49
7.09
7.22
7.45
7.67
7.78
1.88
1.90
1.92
1.97
1.99
EBITDA per Share
2.31
1.95
2.07
2.21
2.22
1.32
1.76
2.13
2.14
2.40
2.45
0.61
0.56
0.62
0.61
0.66
Free Cashflow per Share
1.65
0.87
2.21
2.00
1.03
1.32
1.86
0.72
1.59
1.00
1.46
0.24
1.18
-0.64
0.22
0.70
Earnings per Share ($)
0.94
0.99
1.10
1.18
1.25
0.69
0.96
1.15
1.16
1.28
1.30
0.33
0.30
0.32
0.33
0.35
Dividends Per Share
--
--
0.24
0.28
0.32
0.36
0.38
0.40
0.42
0.44
0.45
0.11
0.11
0.11
0.11
0.12
Book Value per Share
7.37
8.10
8.82
9.85
11.00
11.38
13.00
12.65
13.49
14.44
14.58
13.66
13.80
14.09
14.35
14.58
Month End Stock Price
--
--
15.55
16.10
12.65
11.30
10.95
13.60
14.30
16.52
16.95
16.44
16.39
17.08
16.52
16.95
RatiosAnnualsQuarterly
Fiscal Period
 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Mar12 Jun12 Sep12 Dec12 Mar13
   
Return on Equity %
12.70
12.20
12.40
12.00
11.40
6.10
7.40
9.10
8.60
8.90
9.60
9.60
8.80
8.80
9.20
9.60
Return on Assets %
0.90
0.90
0.90
0.90
0.90
0.50
0.60
0.80
0.70
0.70
0.80
0.80
0.80
0.80
0.80
0.80
Return on Capital - Joel Greenblatt %
460
--
35.40
--
19.70
6.50
73.50
158
--
532
63.60
--
--
--
542
63.60
Debt to Equity
0.59
0.24
1.02
0.34
1.06
1.45
0.33
0.23
0.12
0.27
0.39
0.11
0.10
0.10
0.27
0.39
   
Operating Margin %
34.20
30.10
29.60
30.10
29.40
15.20
19.00
23.60
22.90
25.30
26.80
26.60
23.60
25.90
24.90
26.80
Net Margin %
18.70
19.20
18.90
19.10
19.50
10.70
13.50
16.00
15.50
16.70
17.60
17.70
15.80
16.40
16.90
17.60
   
Debt to Revenue
0.87
0.37
1.56
0.54
1.82
2.54
0.61
0.40
0.22
0.50
2.84
0.76
0.75
0.74
1.95
2.84
Interest Exp. to Revenue %
76.46
82.16
85.55
85.91
80.10
81.16
82.51
82.62
82.86
83.57
81.30
83.07
83.92
83.98
82.99
81.30
   
Asset Turnover
0.05
0.05
0.05
0.05
0.05
0.04
0.05
0.05
0.05
0.04
0.01
0.01
0.01
0.01
0.01
0.01
Buyback Ratio
--
--
--
--
--
--
-124
-11.30
-11.50
-10.30
-9.10
-10.00
-10.90
-10.50
-9.80
-9.10
Dividend Payout Ratio
--
--
0.22
0.24
0.26
0.52
0.40
0.35
0.36
0.34
0.33
0.33
0.37
0.35
0.33
0.33
Income StatementAnnuals (USD $) View: Quarterly
Fiscal Period
 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 TTM Mar12 Jun12 Sep12 Dec12 Mar13
   
Net Interest Income
28.35
32.12
38.10
41.56
40.68
42.20
48.45
54.97
58.33
61.91
62.80
14.93
15.41
15.65
15.92
15.82
Non Interest Income
8.73
6.98
6.44
6.82
10.11
9.79
10.27
11.56
12.06
12.18
12.84
3.04
2.95
2.99
3.26
3.64
Revenue
37.08
39.10
44.54
48.38
50.79
51.99
58.72
66.53
70.39
74.09
75.64
17.97
18.36
18.63
19.19
19.46
   
Selling, General, &Admin. Expense
14.34
15.58
19.20
20.54
22.43
24.42
32.47
35.22
37.83
42.72
43.26
9.90
10.01
10.35
12.47
10.43
Credit Losses Provision
1.08
1.65
1.14
1.26
1.00
2.51
4.85
5.14
5.20
2.75
3.23
0.30
1.05
0.80
0.60
0.78
Other Expenses
4.49
7.01
8.25
9.30
9.79
14.53
6.86
6.58
7.13
5.41
5.31
1.95
1.87
1.51
0.15
1.79
Earnings Before DDA
17.18
14.86
15.95
17.28
17.57
10.53
14.55
19.60
20.23
23.21
23.84
5.82
5.44
5.98
5.97
6.45
   
Depreciation, Depletion and Amortization
4.51
3.10
2.79
2.70
2.62
2.64
3.38
3.89
4.13
4.49
4.68
1.04
1.10
1.16
1.19
1.23
   
Operating Income
12.67
11.76
13.17
14.58
14.94
7.90
11.16
15.71
16.11
18.72
19.16
4.79
4.34
4.82
4.77
5.22
Net Income
6.95
7.51
8.41
9.23
9.90
5.55
7.95
10.64
10.94
12.38
12.64
3.17
2.91
3.06
3.23
3.43
   
Earnings per Share ($)
0.94
0.99
1.10
1.18
1.25
0.69
0.96
1.15
1.16
1.28
1.30
0.33
0.30
0.32
0.33
0.35
Total Shares Outstanding
7.43
7.61
7.69
7.82
7.91
8.01
8.28
9.22
9.45
9.66
9.79
9.57
9.66
9.69
9.73
9.79
Balance SheetAnnuals (USD $) View: Quarterly
Fiscal Period
 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Mar12 Jun12 Sep12 Dec12 Mar13
   
Cash and cash equivalents
31.10
25.18
32.95
35.58
24.93
21.48
32.61
30.54
37.02
50.23
39.53
78.59
79.55
76.39
50.23
39.53
Money Market Investments
14.00
40.29
5.43
15.30
7.79
3.80
--
--
2.12
2.51
1.30
17.57
21.31
5.88
2.51
1.30
Net Loan
479
560
688
748
820
933
1,065
1,124
1,227
1,344
1,383
1,229
1,269
1,280
1,344
1,383
Securities & Investments
196
188
157
132
146
159
139
147
140
184
184
154
165
192
184
184
Accounts Receivable
3.47
3.63
5.64
5.46
6.16
5.36
5.37
5.53
5.82
5.83
6.11
5.70
5.63
5.83
5.83
6.11
Property, Plant and Equipment
12.43
11.91
11.53
16.02
19.30
21.65
22.92
24.92
27.31
27.21
28.10
27.03
26.52
27.27
27.21
28.10
Intangible Assets
6.53
6.40
6.26
6.13
6.00
5.87
5.73
5.66
5.66
5.66
5.66
5.66
5.66
5.66
5.66
5.66
Other Assets
8.85
13.62
12.47
21.05
27.71
29.58
33.65
59.94
43.51
45.88
46.92
42.67
41.91
44.71
45.88
46.92
Total Assets
752
848
918
979
1,058
1,180
1,304
1,397
1,489
1,666
1,694
1,560
1,615
1,638
1,666
1,694
   
Total Deposits
661
769
775
868
869
948
1,145
1,244
1,333
1,475
1,485
1,405
1,454
1,470
1,475
1,485
Accounts Payable
0.72
0.79
1.17
2.20
3.37
1.85
1.42
0.91
0.75
13.79
11.43
0.34
0.58
0.32
13.79
11.43
Current Portion of Long-Term Debt
21.42
3.65
58.64
15.11
81.43
121
24.88
15.54
4.49
26.54
44.35
2.87
2.87
2.99
26.54
44.35
Long-Term Debt
10.83
10.83
10.83
10.83
10.83
10.83
10.83
10.83
10.83
10.83
10.83
10.83
10.83
10.83
10.83
10.83
Other liabilities
3.01
2.58
4.62
6.57
6.25
7.55
14.27
9.30
12.49
-0.00
0.00
10.35
13.90
16.44
-0.00
0.00
Total Liabilities
697
786
851
902
971
1,089
1,196
1,281
1,362
1,526
1,551
1,429
1,482
1,501
1,526
1,551
   
Common Stock
0.04
0.04
0.04
0.08
0.08
0.08
0.09
0.09
0.10
0.10
0.10
0.10
0.10
0.10
0.10
0.10
Retained Earnings
31.47
37.41
44.03
51.13
58.53
60.20
65.04
72.00
79.00
87.16
89.48
81.13
82.98
84.99
87.16
89.48
Additional Paid-In Capital
21.01
22.60
24.29
25.81
28.05
29.70
40.45
42.59
45.16
48.19
49.10
45.96
46.60
47.30
48.19
49.10
Total Equity
54.75
61.68
67.83
77.04
87.01
91.10
108
117
127
140
143
131
133
137
140
143
Cashflow StatementAnnuals (USD $) View: Quarterly
Fiscal Period
 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 TTM Mar12 Jun12 Sep12 Dec12 Mar13
   
Net Income
6.95
7.51
8.41
9.23
9.90
5.55
7.95
10.64
10.94
12.38
12.64
3.17
2.91
3.06
3.23
3.43
Depreciation, Depletion and Amortization
4.51
3.10
2.79
2.70
2.62
2.64
3.38
3.89
4.13
4.49
4.68
1.04
1.10
1.16
1.19
1.23
Cash Flow from Others
0.77
-4.00
5.78
3.74
-4.37
2.42
8.51
-2.45
5.38
-2.90
2.45
-1.29
7.72
-8.63
-0.70
4.06
Cash Flow from Operations
12.22
6.61
16.97
15.68
8.15
10.61
19.83
12.08
20.45
13.96
19.76
2.92
11.73
-4.41
3.73
8.72
   
Investment for Property, Plant & Equipement
--
--
--
--
--
--
-4.43
-5.43
-5.43
-4.33
-5.59
-0.61
-0.35
-1.77
-1.60
-1.87
Cash Flow from Investing
-39.81
-74.49
-97.18
-50.90
-93.08
-135
-120
-76.99
-112
-162
-194
-15.44
-54.94
-30.49
-60.97
-47.41
   
Net Issuance of Stock
1.30
1.57
1.38
1.24
1.66
1.13
9.85
1.20
1.25
1.27
1.27
0.32
0.32
0.32
0.32
0.31
Net Issuance of Debt
4.19
-17.77
54.99
-43.53
66.32
39.82
-96.37
-9.34
-11.05
22.05
41.48
-1.63
--
0.13
23.55
17.81
Cash Flow for Dividends
-1.35
-1.57
-1.79
-2.14
-2.50
-2.87
-3.10
-3.68
-3.95
-4.22
-4.29
-1.04
-1.05
-1.06
-1.06
-1.12
Other Financing
22.77
108
6.74
92.16
1.28
79.12
197
99.13
89.40
142
80.25
71.90
48.65
16.93
4.90
9.77
Cash Flow from Financing
26.92
90.05
61.32
47.72
66.76
117
108
87.31
75.66
161
119
69.55
47.92
16.31
27.70
26.78
   
Net Change in Cash
-0.68
22.17
-18.89
12.51
-18.17
-7.44
7.33
22.40
-15.88
13.60
-55.34
57.03
4.70
-18.59
-29.54
-11.91
   
Free Cash Flow
12.22
6.61
16.97
15.68
8.15
10.61
15.41
6.65
15.02
9.63
14.18
2.30
11.38
-6.18
2.13
6.85
Valuation Ratios (Daily)AnnualsQuarterly
Fiscal Period
 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Mar12 Jun12 Sep12 Dec12 Mar13
   
PE Ratio(ttm) Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
Price to Tangible Book Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
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EV-to-EBITDA Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
EV-to-EBIT Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
Earnings Yield (Joel Greenblatt) Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
Forward Rate of Return Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
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Valuation and QualityAnnualsQuarterly
Fiscal Period
 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Mar12 Jun12 Sep12 Dec12 Mar13
   
Market Cap Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
Enterprise Value Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
Month End Stock Price Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
Net Cash (per share) Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
Net Current Asset Value (per share) Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
DCF (per share) Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
Median PS (per share) Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
Peter Lynch Fair Value (per share) Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
Graham Number (per share) Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
Altman Z-Score Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
Piotroski F-Score Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
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