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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 7.17
EBTC's Cash to Debt is ranked higher than
64% of the 983 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.38 vs. EBTC: 7.17 )
Ranked among companies with meaningful Cash to Debt only.
EBTC' s 10-Year Cash to Debt Range
Min: 0.18  Med: 1.37 Max: N/A
Current: 7.17
Equity to Asset 0.08
EBTC's Equity to Asset is ranked lower than
69% of the 1353 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. EBTC: 0.08 )
Ranked among companies with meaningful Equity to Asset only.
EBTC' s 10-Year Equity to Asset Range
Min: 0.06  Med: 0.08 Max: 0.09
Current: 0.08
0.06
0.09
Interest Coverage 4.24
EBTC's Interest Coverage is ranked higher than
76% of the 1269 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.61 vs. EBTC: 4.24 )
Ranked among companies with meaningful Interest Coverage only.
EBTC' s 10-Year Interest Coverage Range
Min: 0.37  Med: 1.55 Max: 4.24
Current: 4.24
0.37
4.24
F-Score: 3
WACC vs ROIC
8.49%
12.75%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 25.38
EBTC's Operating margin (%) is ranked lower than
63% of the 1421 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.31 vs. EBTC: 25.38 )
Ranked among companies with meaningful Operating margin (%) only.
EBTC' s 10-Year Operating margin (%) Range
Min: -427.28  Med: 23.29 Max: 34.15
Current: 25.38
-427.28
34.15
Net-margin (%) 16.65
EBTC's Net-margin (%) is ranked lower than
69% of the 1421 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.02 vs. EBTC: 16.65 )
Ranked among companies with meaningful Net-margin (%) only.
EBTC' s 10-Year Net-margin (%) Range
Min: 11.49  Med: 18.89 Max: 140.23
Current: 16.65
11.49
140.23
ROE (%) 8.99
EBTC's ROE (%) is ranked higher than
54% of the 1423 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.48 vs. EBTC: 8.99 )
Ranked among companies with meaningful ROE (%) only.
EBTC' s 10-Year ROE (%) Range
Min: 6.23  Med: 12.25 Max: 14.94
Current: 8.99
6.23
14.94
ROA (%) 0.74
EBTC's ROA (%) is ranked lower than
58% of the 1432 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. EBTC: 0.74 )
Ranked among companies with meaningful ROA (%) only.
EBTC' s 10-Year ROA (%) Range
Min: 0.5  Med: 0.87 Max: 1.03
Current: 0.74
0.5
1.03
Revenue Growth (3Y)(%) 4.10
EBTC's Revenue Growth (3Y)(%) is ranked higher than
60% of the 1210 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. EBTC: 4.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
EBTC' s 10-Year Revenue Growth (3Y)(%) Range
Min: -5.8  Med: 5.95 Max: 104.9
Current: 4.1
-5.8
104.9
EBITDA Growth (3Y)(%) 8.20
EBTC's EBITDA Growth (3Y)(%) is ranked higher than
52% of the 1066 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.60 vs. EBTC: 8.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
EBTC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -1.45 Max: 18.6
Current: 8.2
0
18.6
EPS Growth (3Y)(%) 7.50
EBTC's EPS Growth (3Y)(%) is ranked lower than
57% of the 1065 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.70 vs. EBTC: 7.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
EBTC' s 10-Year EPS Growth (3Y)(%) Range
Min: -16.2  Med: 7.85 Max: 21
Current: 7.5
-16.2
21
» EBTC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 15.30
EBTC's P/E(ttm) is ranked lower than
55% of the 1300 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.20 vs. EBTC: 15.30 )
Ranked among companies with meaningful P/E(ttm) only.
EBTC' s 10-Year P/E(ttm) Range
Min: 8.56  Med: 13.53 Max: 25.24
Current: 15.3
8.56
25.24
Forward P/E 12.80
EBTC's Forward P/E is ranked lower than
60% of the 718 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.82 vs. EBTC: 12.80 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 13.80
EBTC's PE(NRI) is ranked lower than
53% of the 1288 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.20 vs. EBTC: 13.80 )
Ranked among companies with meaningful PE(NRI) only.
EBTC' s 10-Year PE(NRI) Range
Min: 8.59  Med: 13.55 Max: 25.24
Current: 13.8
8.59
25.24
P/B 1.32
EBTC's P/B is ranked lower than
62% of the 1381 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.05 vs. EBTC: 1.32 )
Ranked among companies with meaningful P/B only.
EBTC' s 10-Year P/B Range
Min: 0.76  Med: 1.22 Max: 1.92
Current: 1.32
0.76
1.92
P/S 2.42
EBTC's P/S is ranked higher than
64% of the 1426 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.88 vs. EBTC: 2.42 )
Ranked among companies with meaningful P/S only.
EBTC' s 10-Year P/S Range
Min: 1.41  Med: 2.23 Max: 3.06
Current: 2.42
1.41
3.06
PFCF 10.56
EBTC's PFCF is ranked higher than
57% of the 858 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.85 vs. EBTC: 10.56 )
Ranked among companies with meaningful PFCF only.
EBTC' s 10-Year PFCF Range
Min: 5.7  Med: 12.40 Max: 51
Current: 10.56
5.7
51
POCF 8.42
EBTC's POCF is ranked higher than
59% of the 954 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.17 vs. EBTC: 8.42 )
Ranked among companies with meaningful POCF only.
EBTC' s 10-Year POCF Range
Min: 4.78  Med: 8.21 Max: 19.29
Current: 8.42
4.78
19.29
EV-to-EBIT 5.63
EBTC's EV-to-EBIT is ranked higher than
92% of the 1297 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.56 vs. EBTC: 5.63 )
Ranked among companies with meaningful EV-to-EBIT only.
EBTC' s 10-Year EV-to-EBIT Range
Min: 0.3  Med: 7.90 Max: 25.7
Current: 5.63
0.3
25.7
PEG 1.64
EBTC's PEG is ranked lower than
67% of the 612 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.99 vs. EBTC: 1.64 )
Ranked among companies with meaningful PEG only.
EBTC' s 10-Year PEG Range
Min: 0.83  Med: 1.86 Max: 153.9
Current: 1.64
0.83
153.9
Shiller P/E 16.52
EBTC's Shiller P/E is ranked higher than
54% of the 784 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.97 vs. EBTC: 16.52 )
Ranked among companies with meaningful Shiller P/E only.
EBTC' s 10-Year Shiller P/E Range
Min: 7.93  Med: 14.50 Max: 19.6
Current: 16.52
7.93
19.6
Days Sales Outstanding 27.94
EBTC's Days Sales Outstanding is ranked higher than
61% of the 793 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 34.20 vs. EBTC: 27.94 )
Ranked among companies with meaningful Days Sales Outstanding only.
EBTC' s 10-Year Days Sales Outstanding Range
Min: 28.37  Med: 40.49 Max: 602.67
Current: 27.94
28.37
602.67

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.34
EBTC's Dividend Yield is ranked lower than
56% of the 2262 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.73 vs. EBTC: 2.34 )
Ranked among companies with meaningful Dividend Yield only.
EBTC' s 10-Year Dividend Yield Range
Min: 0.8  Med: 2.50 Max: 4.19
Current: 2.34
0.8
4.19
Dividend Payout 0.34
EBTC's Dividend Payout is ranked higher than
50% of the 1321 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. EBTC: 0.34 )
Ranked among companies with meaningful Dividend Payout only.
EBTC' s 10-Year Dividend Payout Range
Min: 0.22  Med: 0.34 Max: 22.5
Current: 0.34
0.22
22.5
Dividend growth (3y) 4.60
EBTC's Dividend growth (3y) is ranked lower than
60% of the 671 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.50 vs. EBTC: 4.60 )
Ranked among companies with meaningful Dividend growth (3y) only.
EBTC' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 0.00 Max: 14.5
Current: 4.6
0
14.5
Yield on cost (5-Year) 2.97
EBTC's Yield on cost (5-Year) is ranked higher than
50% of the 2265 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.15 vs. EBTC: 2.97 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
EBTC' s 10-Year Yield on cost (5-Year) Range
Min: 1.01  Med: 3.16 Max: 5.3
Current: 2.97
1.01
5.3
Share Buyback Rate -2.60
EBTC's Share Buyback Rate is ranked lower than
53% of the 1012 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. EBTC: -2.60 )
Ranked among companies with meaningful Share Buyback Rate only.
EBTC' s 10-Year Share Buyback Rate Range
Min: -1.3  Med: -2.60 Max: -28.4
Current: -2.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.31
EBTC's Price/Tangible Book is ranked lower than
56% of the 1349 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. EBTC: 1.31 )
Ranked among companies with meaningful Price/Tangible Book only.
EBTC' s 10-Year Price/Tangible Book Range
Min: 0.81  Med: 1.26 Max: 2.08
Current: 1.31
0.81
2.08
Price/Projected FCF 0.75
EBTC's Price/Projected FCF is ranked lower than
55% of the 806 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.67 vs. EBTC: 0.75 )
Ranked among companies with meaningful Price/Projected FCF only.
EBTC' s 10-Year Price/Projected FCF Range
Min: 0.43  Med: 0.74 Max: 1.08
Current: 0.75
0.43
1.08
Price/Median PS Value 1.09
EBTC's Price/Median PS Value is ranked higher than
51% of the 1310 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.05 vs. EBTC: 1.09 )
Ranked among companies with meaningful Price/Median PS Value only.
EBTC' s 10-Year Price/Median PS Value Range
Min: 0.63  Med: 1.00 Max: 1.35
Current: 1.09
0.63
1.35
Price/Peter Lynch Fair Value 2.17
EBTC's Price/Peter Lynch Fair Value is ranked lower than
89% of the 371 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.92 vs. EBTC: 2.17 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
EBTC' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.58  Med: 1.30 Max: 2.68
Current: 2.17
0.58
2.68
Price/Graham Number 0.92
EBTC's Price/Graham Number is ranked lower than
55% of the 1192 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.82 vs. EBTC: 0.92 )
Ranked among companies with meaningful Price/Graham Number only.
EBTC' s 10-Year Price/Graham Number Range
Min: 0.61  Med: 0.88 Max: 1.19
Current: 0.92
0.61
1.19
Earnings Yield (Greenblatt) (%) 17.69
EBTC's Earnings Yield (Greenblatt) (%) is ranked higher than
92% of the 1422 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.80 vs. EBTC: 17.69 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
EBTC' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 3.9  Med: 12.60 Max: 289.3
Current: 17.69
3.9
289.3
Forward Rate of Return (Yacktman) (%) 15.09
EBTC's Forward Rate of Return (Yacktman) (%) is ranked higher than
52% of the 785 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.29 vs. EBTC: 15.09 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
EBTC' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -4.8  Med: 7.10 Max: 23.9
Current: 15.09
-4.8
23.9

Analyst Estimate

Dec15
EPS($) 1.66
EPS without NRI($) 1.66

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, FNFG » details
Enterprise Bancorp, Inc., is incorporated in Massachusetts in 1996. It operates as the parent holding company of Enterprise Bank and Trust Company (the Bank). The Company's operations are conducted through the Bank. Through the bank and its subsidiaries, the company offers commercial and consumer loan products, deposit and cash management products, investment advisory and management, trust and insurance services. It specializes in lending to business entities, non-profit organizations, professionals and individuals. Its main lending focus is on the development of high quality commercial relationships achieved through active business development efforts, community involvement and focused marketing strategies. Loans made by the company to businesses include commercial mortgage loans, construction and land development loans, secured and unsecured commercial loans and lines of credit, and standby letters of credit. The company also originates equipment lease financing for businesses. Loans made to individuals include conventional residential mortgage loans, home equity loans, residential construction loans on primary residences, secured and unsecured personal loans and lines of credit. The Company's investment activity is an integral part of the overall asset-liability management program of the company. The investment function provides readily available funds to support loan growth as well as to meet withdrawals and maturities of deposits and attempts to provide maximum return consistent with liquidity constraints and general prudence, including diversification and safety of investments. It offers commercial checking, business and municipal savings accounts, money market and business sweep accounts, and escrow management accounts, as well as checking and Simplified Employee Pension (SEP) accounts to employees of its business customers. The Company provides investment advisory and management services to individuals, family groups, businesses, trusts, foundations, non-profit organizations, endowments and retirement plans under the label "Enterprise Investment Advisors." Investment services are delivered via two channels, brokerage services and investment management. Brokerage services are offered through a third party arrangement with Commonwealth Financial Network, a licensed securities brokerage firm, with products designed mainly for the individual investor. Investment management includes customized management and trust services offered to high net worth individuals, institutions and businesses. The business and operations of the Company are subject to the supervision and examination of the Board of Governors of the Federal Reserve System.
» More Articles for NAS:EBTC

Headlines

Articles On GuruFocus.com
Enterprise Bancorp Inc Reports Operating Results (10-Q) Aug 09 2010 
Guru Stocks Raising Dividends: Omega Healthcare Investors Inc., Spectra Energy Partners LP, Oneok Pa Feb 02 2010 
Enterprise Bancorp Inc (EBTC) Chairman George L Duncan buys 10,334 Shares Dec 03 2009 
Weekly CEO Buys Highlight: Prospect Capital Corp, CONSTELLATION ENERGY, Optimer Pharmaceuticals Inc, Nov 30 2009 
Enterprise Bancorp Inc (EBTC) CFO James A Marcotte buys 2,500 Shares Nov 23 2009 
Enterprise Bancorp Inc (EBTC) CEO John P Jr Clancy buys 14,102 Shares Nov 23 2009 
Enterprise Bancorp, Inc. Announces 2008 Net Income of $5.5 Million, Continued Strong Growth and Expa Jan 29 2009 

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