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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.88
NAS:EBTC's Cash-to-Debt is ranked lower than
65% of the 1659 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. NAS:EBTC: 0.88 )
Ranked among companies with meaningful Cash-to-Debt only.
NAS:EBTC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.18  Med: 1.37 Max: N/A
Current: 0.88
Equity-to-Asset 0.09
NAS:EBTC's Equity-to-Asset is ranked lower than
60% of the 1628 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. NAS:EBTC: 0.09 )
Ranked among companies with meaningful Equity-to-Asset only.
NAS:EBTC' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.08 Max: 0.09
Current: 0.09
0.06
0.09
Interest Coverage 5.09
NAS:EBTC's Interest Coverage is ranked higher than
81% of the 1586 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.72 vs. NAS:EBTC: 5.09 )
Ranked among companies with meaningful Interest Coverage only.
NAS:EBTC' s Interest Coverage Range Over the Past 10 Years
Min: 0.37  Med: 2.37 Max: 5.09
Current: 5.09
0.37
5.09
Beneish M-Score: -3.25
WACC vs ROIC
8.66%
12.28%
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 % 27.69
NAS:EBTC's Operating Margin % is ranked lower than
61% of the 1666 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.66 vs. NAS:EBTC: 27.69 )
Ranked among companies with meaningful Operating Margin % only.
NAS:EBTC' s Operating Margin % Range Over the Past 10 Years
Min: 16.35  Med: 25.5 Max: 29.42
Current: 27.69
16.35
29.42
Net Margin % 19.25
NAS:EBTC's Net Margin % is ranked lower than
63% of the 1667 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.77 vs. NAS:EBTC: 19.25 )
Ranked among companies with meaningful Net Margin % only.
NAS:EBTC' s Net Margin % Range Over the Past 10 Years
Min: 11.49  Med: 16.85 Max: 19.49
Current: 19.25
11.49
19.49
ROE % 9.54
NAS:EBTC's ROE % is ranked higher than
58% of the 1667 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.51 vs. NAS:EBTC: 9.54 )
Ranked among companies with meaningful ROE % only.
NAS:EBTC' s ROE % Range Over the Past 10 Years
Min: 6.23  Med: 9.29 Max: 12.07
Current: 9.54
6.23
12.07
ROA % 0.81
NAS:EBTC's ROA % is ranked lower than
56% of the 1672 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.91 vs. NAS:EBTC: 0.81 )
Ranked among companies with meaningful ROA % only.
NAS:EBTC' s ROA % Range Over the Past 10 Years
Min: 0.5  Med: 0.77 Max: 0.97
Current: 0.81
0.5
0.97
3-Year Revenue Growth Rate 7.20
NAS:EBTC's 3-Year Revenue Growth Rate is ranked higher than
65% of the 1400 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.30 vs. NAS:EBTC: 7.20 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NAS:EBTC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -5.6  Med: 7.2 Max: 105
Current: 7.2
-5.6
105
3-Year EBITDA Growth Rate 8.90
NAS:EBTC's 3-Year EBITDA Growth Rate is ranked higher than
57% of the 1310 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. NAS:EBTC: 8.90 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NAS:EBTC' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -14.1  Med: 6.4 Max: 51.2
Current: 8.9
-14.1
51.2
3-Year EPS without NRI Growth Rate 10.40
NAS:EBTC's 3-Year EPS without NRI Growth Rate is ranked higher than
60% of the 1268 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.30 vs. NAS:EBTC: 10.40 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NAS:EBTC' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -16.1  Med: 8.75 Max: 20.4
Current: 10.4
-16.1
20.4
GuruFocus has detected 7 Warning Signs with Enterprise Bancorp Inc $NAS:EBTC.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NAS:EBTC's 30-Y Financials

Financials (Next Earnings Date: 2017-07-21 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522110    SIC: 6022
Compare:NAS:BKMU, NAS:UCFC, NAS:HIFS, NAS:BSF, NAS:CSBK, NAS:FDEF, NAS:TBNK, NAS:HBCP, NAS:WSBF, NAS:SMBC, OTCPK:NASB, NAS:GCBC, NAS:FNWB, NAS:SIFI, NAS:HONE, NAS:LSBG, NAS:ESSA, NAS:TSBK, NAS:ICBK, NAS:OFED » details
Headquarter Location:USA
Enterprise Bancorp, Inc is an American banking service provider. It specializes in savings and cooperative banking products such as commercial and consumer loan products, deposit products and cash management services.

Enterprise Bancorp, Inc is a holding company for Enterprise Bank and Trust company. The bank operates in the savings and cooperative banks industry of the United States and it earns income through offering commercial and consumer loan products, deposit products, and cash management services to business entities, non-profit organizations, professionals, and individuals. In addition, it also provides investment advisory and wealth management, trust and insurance services. The bank's strategy involves gathering deposits from the public and investing primarily in loans and investment securities. It utilizes the resulting cash flows to conduct operations, expand the branch network and pay dividends to stockholders.

Top Ranked Articles about Enterprise Bancorp Inc

Enterprise Bancorp, Inc. Announces Quarterly Dividend

Ratios

vs
industry
vs
history
PE Ratio 20.04
EBTC's PE Ratio is ranked lower than
75% of the 1552 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.61 vs. EBTC: 20.04 )
Ranked among companies with meaningful PE Ratio only.
EBTC' s PE Ratio Range Over the Past 10 Years
Min: 8.52  Med: 13.55 Max: 25.43
Current: 20.04
8.52
25.43
PE Ratio without NRI 20.04
EBTC's PE Ratio without NRI is ranked lower than
75% of the 1551 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.65 vs. EBTC: 20.04 )
Ranked among companies with meaningful PE Ratio without NRI only.
EBTC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 8.49  Med: 13.48 Max: 24.51
Current: 20.04
8.49
24.51
Price-to-Owner-Earnings 16.18
EBTC's Price-to-Owner-Earnings is ranked lower than
61% of the 906 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.97 vs. EBTC: 16.18 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
EBTC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 7.08  Med: 15.93 Max: 53.95
Current: 16.18
7.08
53.95
PB Ratio 1.86
EBTC's PB Ratio is ranked lower than
83% of the 1629 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.19 vs. EBTC: 1.86 )
Ranked among companies with meaningful PB Ratio only.
EBTC' s PB Ratio Range Over the Past 10 Years
Min: 0.76  Med: 1.23 Max: 2.04
Current: 1.86
0.76
2.04
PS Ratio 3.86
EBTC's PS Ratio is ranked lower than
61% of the 1612 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.37 vs. EBTC: 3.86 )
Ranked among companies with meaningful PS Ratio only.
EBTC' s PS Ratio Range Over the Past 10 Years
Min: 1.41  Med: 2.22 Max: 4.15
Current: 3.86
1.41
4.15
Price-to-Free-Cash-Flow 15.68
EBTC's Price-to-Free-Cash-Flow is ranked lower than
70% of the 880 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.48 vs. EBTC: 15.68 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
EBTC' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 5.69  Med: 14.04 Max: 51.79
Current: 15.68
5.69
51.79
Price-to-Operating-Cash-Flow 12.12
EBTC's Price-to-Operating-Cash-Flow is ranked lower than
61% of the 959 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.18 vs. EBTC: 12.12 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
EBTC' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 4.77  Med: 8.99 Max: 22.9
Current: 12.12
4.77
22.9
EV-to-EBIT 14.51
EBTC's EV-to-EBIT is ranked lower than
60% of the 1272 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.20 vs. EBTC: 14.51 )
Ranked among companies with meaningful EV-to-EBIT only.
EBTC' s EV-to-EBIT Range Over the Past 10 Years
Min: 0.3  Med: 8.1 Max: 25.7
Current: 14.51
0.3
25.7
EV-to-EBITDA 11.87
EBTC's EV-to-EBITDA is ranked lower than
55% of the 1277 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.93 vs. EBTC: 11.87 )
Ranked among companies with meaningful EV-to-EBITDA only.
EBTC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 0.3  Med: 6.6 Max: 19.3
Current: 11.87
0.3
19.3
PEG Ratio 2.25
EBTC's PEG Ratio is ranked lower than
66% of the 853 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.41 vs. EBTC: 2.25 )
Ranked among companies with meaningful PEG Ratio only.
EBTC' s PEG Ratio Range Over the Past 10 Years
Min: 0.9  Med: 1.61 Max: 11.9
Current: 2.25
0.9
11.9
Shiller PE Ratio 26.52
EBTC's Shiller PE Ratio is ranked lower than
71% of the 510 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.16 vs. EBTC: 26.52 )
Ranked among companies with meaningful Shiller PE Ratio only.
EBTC' s Shiller PE Ratio Range Over the Past 10 Years
Min: 7.05  Med: 14.73 Max: 29.53
Current: 26.52
7.05
29.53

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.49
EBTC's Dividend Yield % is ranked lower than
77% of the 2337 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.66 vs. EBTC: 1.49 )
Ranked among companies with meaningful Dividend Yield % only.
EBTC' s Dividend Yield % Range Over the Past 10 Years
Min: 0.8  Med: 2.45 Max: 4.19
Current: 1.49
0.8
4.19
Dividend Payout Ratio 0.30
EBTC's Dividend Payout Ratio is ranked higher than
56% of the 1342 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.32 vs. EBTC: 0.30 )
Ranked among companies with meaningful Dividend Payout Ratio only.
EBTC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.26  Med: 0.34 Max: 0.52
Current: 0.3
0.26
0.52
3-Year Dividend Growth Rate 6.10
EBTC's 3-Year Dividend Growth Rate is ranked lower than
53% of the 805 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. EBTC: 6.10 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
EBTC' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 2.2 Max: 14.5
Current: 6.1
0
14.5
Forward Dividend Yield % 1.49
EBTC's Forward Dividend Yield % is ranked lower than
81% of the 2234 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.88 vs. EBTC: 1.49 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.92
EBTC's 5-Year Yield-on-Cost % is ranked lower than
77% of the 2672 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.41 vs. EBTC: 1.92 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
EBTC' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.03  Med: 3.16 Max: 5.4
Current: 1.92
1.03
5.4
3-Year Average Share Buyback Ratio -2.20
EBTC's 3-Year Average Share Buyback Ratio is ranked lower than
51% of the 1086 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.80 vs. EBTC: -2.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
EBTC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -28.4  Med: -2.45 Max: -1.3
Current: -2.2
-28.4
-1.3

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.91
EBTC's Price-to-Tangible-Book is ranked lower than
77% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.27 vs. EBTC: 1.91 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
EBTC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.81  Med: 1.31 Max: 2.08
Current: 1.91
0.81
2.08
Price-to-Intrinsic-Value-Projected-FCF 1.10
EBTC's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
78% of the 916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.78 vs. EBTC: 1.10 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
EBTC' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.43  Med: 0.73 Max: 1.16
Current: 1.1
0.43
1.16
Price-to-Median-PS-Value 1.74
EBTC's Price-to-Median-PS-Value is ranked lower than
89% of the 1561 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. EBTC: 1.74 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
EBTC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.63  Med: 1.03 Max: 1.84
Current: 1.74
0.63
1.84
Price-to-Peter-Lynch-Fair-Value 2.18
EBTC's Price-to-Peter-Lynch-Fair-Value is ranked lower than
78% of the 464 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. EBTC: 2.18 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
EBTC' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.54  Med: 1.48 Max: 2.59
Current: 2.18
0.54
2.59
Price-to-Graham-Number 1.30
EBTC's Price-to-Graham-Number is ranked lower than
78% of the 1460 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.94 vs. EBTC: 1.30 )
Ranked among companies with meaningful Price-to-Graham-Number only.
EBTC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.59  Med: 0.91 Max: 1.42
Current: 1.3
0.59
1.42
Earnings Yield (Greenblatt) % 6.91
EBTC's Earnings Yield (Greenblatt) % is ranked higher than
54% of the 1671 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.85 vs. EBTC: 6.91 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
EBTC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 3.9  Med: 12.4 Max: 290.7
Current: 6.91
3.9
290.7
Forward Rate of Return (Yacktman) % 13.63
EBTC's Forward Rate of Return (Yacktman) % is ranked higher than
57% of the 955 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.14 vs. EBTC: 13.63 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
EBTC' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -5.9  Med: 9.3 Max: 22.4
Current: 13.63
-5.9
22.4

More Statistics

Revenue (TTM) (Mil) $103.93
EPS (TTM) $ 1.77
Beta1.10
Short Percentage of Float0.89%
52-Week Range $22.34 - 39.25
Shares Outstanding (Mil)11.57
» More Articles for EBTC

Headlines

Articles On GuruFocus.com
Enterprise Bancorp, Inc. Announces Quarterly Dividend Apr 18 2017 
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 

More From Other Websites
ETFs with exposure to Enterprise Bancorp, Inc. : June 15, 2017 Jun 15 2017
Enterprise Bancorp, Inc. breached its 50 day moving average in a Bullish Manner : EBTC-US : June 12,... Jun 12 2017
Enterprise Bancorp, Inc. :EBTC-US: Earnings Analysis: Q1, 2017 By the Numbers : May 31, 2017 May 31 2017
Enterprise Bancorp, Inc. : EBTC-US: Dividend Analysis : May 11th, 2017 (record date) : By the... May 09 2017
Enterprise Bancorp, Inc. breached its 50 day moving average in a Bearish Manner : EBTC-US : May 5,... May 05 2017
Enterprise Bancorp posts 1Q profit Apr 20 2017
Enterprise Bancorp, Inc. Announces First Quarter 2017 Net Income of $5.6 Million Apr 20 2017
Enterprise Bancorp, Inc. Announces Quarterly Dividend Apr 18 2017
ETFs with exposure to Enterprise Bancorp, Inc. : April 7, 2017 Apr 07 2017
Enterprise Bancorp, Inc. breached its 50 day moving average in a Bullish Manner : EBTC-US : March... Mar 29 2017
Enterprise Bancorp, Inc. :EBTC-US: Earnings Analysis: Q4, 2016 By the Numbers : February 1, 2017 Feb 01 2017
Enterprise Bancorp, Inc. breached its 50 day moving average in a Bearish Manner : EBTC-US : February... Feb 01 2017
ETFs with exposure to Enterprise Bancorp, Inc. : January 17, 2017 Jan 17 2017
Enterprise Bancorp, Inc. breached its 50 day moving average in a Bearish Manner : EBTC-US : January... Jan 13 2017
Enterprise Bancorp, Inc. : EBTC-US: Dividend Analysis : November 10th, 2016 (record date) : By the... Jan 09 2017
Enterprise Bancorp, Inc.: Price momentum supported by strong fundamentals Nov 14 2016
Enterprise Bancorp, Inc. breached its 50 day moving average in a Bullish Manner : EBTC-US : October... Oct 31 2016

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)

GF Chat

{{numOfNotice}}