Switch to:

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 4.63
EBTC's Cash to Debt is ranked higher than
84% of the 1566 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. EBTC: 4.63 )
EBTC' s 10-Year Cash to Debt Range
Min: 0.18   Max: No Debt
Current: 4.63

Equity to Asset 0.08
EBTC's Equity to Asset is ranked higher than
62% of the 2010 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. EBTC: 0.08 )
EBTC' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.09
Current: 0.08

0.06
0.09
Interest Coverage 3.84
EBTC's Interest Coverage is ranked higher than
87% of the 1837 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. EBTC: 3.84 )
EBTC' s 10-Year Interest Coverage Range
Min: 0.37   Max: 3.84
Current: 3.84

0.37
3.84
F-Score: 4
Z-Score: 0.24
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 : 7/10

vs
industry
vs
history
Operating margin (%) 25.58
EBTC's Operating margin (%) is ranked higher than
69% of the 2021 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.33 vs. EBTC: 25.58 )
EBTC' s 10-Year Operating margin (%) Range
Min: -427.28   Max: 34.15
Current: 25.58

-427.28
34.15
Net-margin (%) 16.95
EBTC's Net-margin (%) is ranked higher than
66% of the 2021 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.41 vs. EBTC: 16.95 )
EBTC' s 10-Year Net-margin (%) Range
Min: 11.49   Max: 140.23
Current: 16.95

11.49
140.23
ROE (%) 9.09
EBTC's ROE (%) is ranked higher than
77% of the 2031 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.59 vs. EBTC: 9.09 )
EBTC' s 10-Year ROE (%) Range
Min: 6.23   Max: 14.94
Current: 9.09

6.23
14.94
ROA (%) 0.75
EBTC's ROA (%) is ranked higher than
71% of the 2034 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. EBTC: 0.75 )
EBTC' s 10-Year ROA (%) Range
Min: 0.5   Max: 1.03
Current: 0.75

0.5
1.03
ROC (Joel Greenblatt) (%) 72.28
EBTC's ROC (Joel Greenblatt) (%) is ranked higher than
75% of the 2003 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 76.89 vs. EBTC: 72.28 )
EBTC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -399.06   Max: 203.8
Current: 72.28

-399.06
203.8
Revenue Growth (%) 3.50
EBTC's Revenue Growth (%) is ranked higher than
82% of the 1740 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. EBTC: 3.50 )
EBTC' s 10-Year Revenue Growth (%) Range
Min: -5.8   Max: 104.9
Current: 3.5

-5.8
104.9
EBITDA Growth (%) 6.30
EBTC's EBITDA Growth (%) is ranked higher than
73% of the 1563 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. EBTC: 6.30 )
EBTC' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 18.6
Current: 6.3

0
18.6
EPS Growth (%) 5.70
EBTC's EPS Growth (%) is ranked higher than
72% of the 1547 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.90 vs. EBTC: 5.70 )
EBTC' s 10-Year EPS Growth (%) Range
Min: -16.2   Max: 21
Current: 5.7

-16.2
21
» EBTC's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with EBTC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 17.50
EBTC's P/E(ttm) is ranked higher than
75% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.80 vs. EBTC: 17.50 )
EBTC' s 10-Year P/E(ttm) Range
Min: 8.56   Max: 25.24
Current: 17.5

8.56
25.24
P/B 1.60
EBTC's P/B is ranked higher than
69% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.33 vs. EBTC: 1.60 )
EBTC' s 10-Year P/B Range
Min: 0.76   Max: 1.92
Current: 1.6

0.76
1.92
P/S 2.90
EBTC's P/S is ranked higher than
80% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.56 vs. EBTC: 2.90 )
EBTC' s 10-Year P/S Range
Min: 1.41   Max: 3.06
Current: 2.9

1.41
3.06
PFCF 15.20
EBTC's PFCF is ranked higher than
81% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. EBTC: 15.20 )
EBTC' s 10-Year PFCF Range
Min: 5.7   Max: 51
Current: 15.2

5.7
51
EV-to-EBIT 9.07
EBTC's EV-to-EBIT is ranked higher than
90% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.47 vs. EBTC: 9.07 )
EBTC' s 10-Year EV-to-EBIT Range
Min: 0.3   Max: 25.7
Current: 9.07

0.3
25.7
PEG 1.84
EBTC's PEG is ranked higher than
87% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. EBTC: 1.84 )
EBTC' s 10-Year PEG Range
Min: 0.83   Max: 153.9
Current: 1.84

0.83
153.9
Shiller P/E 20.00
EBTC's Shiller P/E is ranked higher than
85% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. EBTC: 20.00 )
EBTC' s 10-Year Shiller P/E Range
Min: 7.86   Max: 20
Current: 20

7.86
20

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.00
EBTC's Dividend Yield is ranked lower than
54% of the 1876 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.32 vs. EBTC: 2.00 )
EBTC' s 10-Year Dividend Yield Range
Min: 0.8   Max: 4.19
Current: 2

0.8
4.19
Dividend Payout 0.34
EBTC's Dividend Payout is ranked higher than
75% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.61 vs. EBTC: 0.34 )
EBTC' s 10-Year Dividend Payout Range
Min: 0.22   Max: 22.5
Current: 0.34

0.22
22.5
Dividend growth (3y) 4.80
EBTC's Dividend growth (3y) is ranked higher than
76% of the 1127 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.50 vs. EBTC: 4.80 )
EBTC' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 14.5
Current: 4.8

0
14.5
Yield on cost (5-Year) 2.54
EBTC's Yield on cost (5-Year) is ranked higher than
52% of the 1889 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.53 vs. EBTC: 2.54 )
EBTC' s 10-Year Yield on cost (5-Year) Range
Min: 1.02   Max: 5.32
Current: 2.54

1.02
5.32
Share Buyback Rate -2.60
EBTC's Share Buyback Rate is ranked higher than
70% of the 1472 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.80 vs. EBTC: -2.60 )
EBTC' s 10-Year Share Buyback Rate Range
Min: -1.3   Max: -28.4
Current: -2.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.60
EBTC's Price/Tangible Book is ranked higher than
72% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.58 vs. EBTC: 1.60 )
EBTC' s 10-Year Price/Tangible Book Range
Min: 0.81   Max: 2.06
Current: 1.6

0.81
2.06
Price/DCF (Projected) 0.80
EBTC's Price/DCF (Projected) is ranked higher than
83% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.09 vs. EBTC: 0.80 )
EBTC' s 10-Year Price/DCF (Projected) Range
Min: 0.43   Max: 1.08
Current: 0.8

0.43
1.08
Price/Median PS Value 1.30
EBTC's Price/Median PS Value is ranked higher than
70% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.21 vs. EBTC: 1.30 )
EBTC' s 10-Year Price/Median PS Value Range
Min: 0.64   Max: 1.31
Current: 1.3

0.64
1.31
Price/Peter Lynch Fair Value 2.40
EBTC's Price/Peter Lynch Fair Value is ranked higher than
89% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. EBTC: 2.40 )
EBTC' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.58   Max: 2.02
Current: 2.4

0.58
2.02
Price/Graham Number 1.10
EBTC's Price/Graham Number is ranked higher than
75% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. EBTC: 1.10 )
EBTC' s 10-Year Price/Graham Number Range
Min: 0.61   Max: 1.18
Current: 1.1

0.61
1.18
Earnings Yield (Greenblatt) 10.50
EBTC's Earnings Yield (Greenblatt) is ranked higher than
88% of the 1996 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. EBTC: 10.50 )
EBTC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3.9   Max: 289.3
Current: 10.5

3.9
289.3
Forward Rate of Return (Yacktman) 13.92
EBTC's Forward Rate of Return (Yacktman) is ranked higher than
72% of the 1246 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.25 vs. EBTC: 13.92 )
EBTC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -4.8   Max: 23.9
Current: 13.92

-4.8
23.9

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, strong 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 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 

More From Other Websites
ENTERPRISE BANCORP INC /MA/ Financials Nov 15 2014
10-Q for Enterprise Bancorp, Inc. Nov 09 2014
ENTERPRISE BANCORP INC /MA/ Files SEC form 10-Q, Quarterly Report Nov 07 2014
Enterprise Bancorp, Inc. Announces Its 100th Consecutive Profitable Quarter with 2014 Third Quarter... Oct 23 2014
ENTERPRISE BANCORP INC /MA/ Files SEC form 8-K, Results of Operations and Financial Condition,... Oct 23 2014
Enterprise Bancorp, Inc. Announces Its 100th Consecutive Profitable Quarter with 2014 Third Quarter... Oct 23 2014
Enterprise Bancorp, Inc. Announces Quarterly Dividend Oct 21 2014
ENTERPRISE BANCORP INC /MA/ Files SEC form 8-K, Other Events Oct 21 2014
Enterprise Bancorp, Inc. Announces Quarterly Dividend Oct 21 2014
ENTERPRISE BANCORP INC /MA/ Files SEC form 10-Q, Quarterly Report Aug 08 2014
ENTERPRISE BANCORP INC /MA/ Files SEC form 8-K, Regulation FD Disclosure Jul 21 2014
ENTERPRISE BANCORP INC /MA/ Files SEC form 8-K, Results of Operations and Financial Condition,... Jul 17 2014
ENTERPRISE BANCORP INC /MA/ Files SEC form 8-K, Other Events Jul 15 2014
ENTERPRISE BANCORP INC /MA/ Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 12 2014
ENTERPRISE BANCORP INC /MA/ Files SEC form 10-Q, Quarterly Report May 09 2014
ENTERPRISE BANCORP INC /MA/ Files SEC form 8-K, Results of Operations and Financial Condition,... Apr 17 2014
ENTERPRISE BANCORP INC /MA/ Files SEC form 8-K, Other Events Apr 15 2014
ENTERPRISE BANCORP INC /MA/ Files SEC form 8-K, Change in Directors or Principal Officers Mar 24 2014
ENTERPRISE BANCORP INC /MA/ Files SEC form 8-K, Change in Directors or Principal Officers Mar 21 2014
ENTERPRISE BANCORP INC /MA/ Files SEC form 10-K, Annual Report Mar 14 2014

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK