NAS:EBTC (USA)

Enterprise Bancorp Inc

$ 29.09 0.43 (1.5%)
Volume: 2,815 Avg Vol (1m): 7,363
Market Cap $: 342.99 Mil Enterprise Value $: 222.58 Mil
P/E (TTM): 11.13 P/B: 1.27
Earnings Power Value 6.28
Net Current Asset Value 0
Tangible Book 22.1
Projected FCF 38.3
Median P/S Value 24.33
Graham Number 36.03
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
1Y (-%)

Financial Strength : 5/10

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.
Current vs industry vs history
Cash-to-Debt 9.10
Cash-To-Debt ranked higher than
68.15% of 1617 companies
in the Savings & Cooperative Banks industry.
Industry Max: 2539500, Med: 1.43, Min: 0.01
EBTC: 9.1
Ranked among companies with meaningful Cash-To-Debt only.
Cash-To-Debt range over the past 10 years
Min: 0.18, Med: 2.43, Max: 9.57
Current: 9.1
0.18
9.57
Equity-to-Asset 0.09
Equity-to-Asset ranked lower than
61.16% of 1627 companies
in the Savings & Cooperative Banks industry.
Industry Max: 1, Med: 0.11, Min: -11.05
EBTC: 0.09
Ranked among companies with meaningful Equity-to-Asset only.
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
Debt-to-Equity 0.06
Debt-to-Equity ranked higher than
95.48% of 1393 companies
in the Savings & Cooperative Banks industry.
Industry Max: 543.58, Med: 0.68, Min: 0.01
EBTC: 0.06
Ranked among companies with meaningful Debt-to-Equity only.
Debt-to-Equity range over the past 10 years
Min: 0.06, Med: 0.25, Max: 3.29
Current: 0.06
0.06
3.29
Debt-to-EBITDA 0.12
Debt-to-EBITDA ranked higher than
95.69% of 1416 companies
in the Savings & Cooperative Banks industry.
Industry Max: 2306.11, Med: 1.79, Min: 0.01
EBTC: 0.12
Ranked among companies with meaningful Debt-to-EBITDA only.
Debt-to-EBITDA range over the past 10 years
Min: 0, Med: 0, Max: 0.12
Current: 0.12
0
0.12
Beneish M-Score -2.38
Not Manipulator
Manipulator
WACC vs ROIC %
ROIC 0%
WACC 8.08%

Profitability & Growth : 4/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Net Margin % 25.01
Net Margin ranked lower than
54.00% of 1639 companies
in the Savings & Cooperative Banks industry.
Industry Max: 10754.72, Med: 25.15, Min: -234138
EBTC: 25.01
Ranked among companies with meaningful Net Margin only.
Net Margin range over the past 10 years
Min: 13.35, Med: 17.11, Max: 25.01
Current: 25.01
13.35
25.01
ROE % 12.47
ROE ranked higher than
68.99% of 1638 companies
in the Savings & Cooperative Banks industry.
Industry Max: 231.61, Med: 9.79, Min: -53900
EBTC: 12.47
Ranked among companies with meaningful ROE only.
ROE range over the past 10 years
Min: 8, Med: 9.29, Max: 12.47
Current: 12.47
8
12.47
ROA % 1.05
ROA ranked lower than
50.27% of 1645 companies
in the Savings & Cooperative Banks industry.
Industry Max: 54.28, Med: 1.01, Min: -205.98
EBTC: 1.05
Ranked among companies with meaningful ROA only.
ROA range over the past 10 years
Min: 0.64, Med: 0.77, Max: 1.05
Current: 1.05
0.64
1.05
3-Year Total Revenue Growth Rate 9.00
3-Year Revenue Growth Rate ranked higher than
53.34% of 1513 companies
in the Savings & Cooperative Banks industry.
Industry Max: 672.4, Med: 4.3, Min: -100
EBTC: 7.2
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
3-Year Revenue Growth Rate range over the past 10 years
Min: -5.6, Med: 7, Max: 105
Current: 7.2
-5.6
105
3-Year EPS w/o NRI Growth Rate 19.50
3-Year EPS w/o NRI Growth Rate ranked lower than
51.43% of 1359 companies
in the Savings & Cooperative Banks industry.
Industry Max: 804.5, Med: 5.3, Min: -214.9
EBTC: 19.5
Ranked among companies with meaningful 3-Year EPS w/o NRI Growth Rate only.
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: -16.1, Med: 8.15, Max: 20.4
Current: 19.5
-16.1
20.4

» EBTC's 30-Y Financials

Financials (Next Earnings Date: 2019-07-19)

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Business Description

Industry Banks » Savings & Cooperative Banks    NAICS : 522110    SIC : 6022
Compare NAS:HBCP HKSE:00900 OTCPK:NASB NAS:SMBC NAS:HIFS NAS:TBNK NAS:GCBC NAS:UCFC NAS:WSBF NAS:TSBK NAS:SIFI NAS:FNWB NAS:ESSA NAS:RVSB OSL:SADG NAS:FCAP PHS:PBB NAS:PBIP NAS:MLVF NAS:PROV
Traded in other countries
Address 222 Merrimack Street, Lowell, MA, USA, 01852
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.

Ratios

Current vs industry vs history
PE Ratio (TTM) 11.13
PE Ratio ranked lower than
53.89% of 1557 companies
in the Savings & Cooperative Banks industry.
Industry Max: 625000, Med: 12.36, Min: 0.02
EBTC: 11.13
Ranked among companies with meaningful PE Ratio only.
PE Ratio range over the past 10 years
Min: 8.52, Med: 14.37, Max: 25.43
Current: 11.13
8.52
25.43
PE Ratio without NRI 11.13
PE without NRI ranked lower than
53.13% of 1532 companies
in the Savings & Cooperative Banks industry.
Industry Max: 625000, Med: 12.43, Min: 0.02
EBTC: 11.13
Ranked among companies with meaningful PE without NRI only.
PE without NRI range over the past 10 years
Min: 8.52, Med: 14.36, Max: 25.01
Current: 11.13
8.52
25.01
Price-to-Owner-Earnings 10.62
Price-to-Owner-Earnings ranked lower than
54.30% of 989 companies
in the Savings & Cooperative Banks industry.
Industry Max: 2862049.23, Med: 12.46, Min: 0.01
EBTC: 10.62
Ranked among companies with meaningful Price-to-Owner-Earnings only.
Price-to-Owner-Earnings range over the past 10 years
Min: 7.05, Med: 16.16, Max: 53.28
Current: 10.62
7.05
53.28
PB Ratio 1.27
PB Ratio ranked lower than
72.20% of 1651 companies
in the Savings & Cooperative Banks industry.
Industry Max: 339397.23, Med: 1.11, Min: 0
EBTC: 1.27
Ranked among companies with meaningful PB Ratio only.
PB Ratio range over the past 10 years
Min: 0.76, Med: 1.25, Max: 2.05
Current: 1.27
0.76
2.05
PS Ratio 2.78
PS Ratio ranked higher than
50.52% of 1649 companies
in the Savings & Cooperative Banks industry.
Industry Max: 207056.49, Med: 3.01, Min: 0.01
EBTC: 2.78
Ranked among companies with meaningful PS Ratio only.
PS Ratio range over the past 10 years
Min: 1.3, Med: 2.33, Max: 4.23
Current: 2.78
1.3
4.23
Price-to-Free-Cash-Flow 9.60
Price-to-Free-Cash-Flow ranked lower than
59.86% of 882 companies
in the Savings & Cooperative Banks industry.
Industry Max: 2338.98, Med: 10.27, Min: 0
EBTC: 9.6
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
Price-to-Free-Cash-Flow range over the past 10 years
Min: 5.69, Med: 13.24, Max: 51.79
Current: 9.6
5.69
51.79
Price-to-Operating-Cash-Flow 8.26
Price-to-Operating-Cash-Flow ranked lower than
55.06% of 948 companies
in the Savings & Cooperative Banks industry.
Industry Max: 1945525.29, Med: 9.19, Min: 0.01
EBTC: 8.26
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 4.77, Med: 9.36, Max: 22.9
Current: 8.26
4.77
22.9
EV-to-Revenue 1.81
EV-to-Revenue ranked lower than
100.00% of 1325 companies
in the Savings & Cooperative Banks industry.
Industry Max: 2007.65, Med: 3.55, Min: 0.02
EBTC: 1.81
Ranked among companies with meaningful EV-to-Revenue only.
EV-to-Revenue range over the past 10 years
Min: 0.1, Med: 1.9, Max: 4.9
Current: 1.81
0.1
4.9
Shiller PE Ratio 18.48
Shiller PE Ratio ranked lower than
63.39% of 672 companies
in the Savings & Cooperative Banks industry.
Industry Max: 1946.36, Med: 17.52, Min: 0.06
EBTC: 18.48
Ranked among companies with meaningful Shiller PE Ratio only.
Shiller PE Ratio range over the past 10 years
Min: 7.87, Med: 16.87, Max: 30
Current: 18.48
7.87
30

Dividend & Buy Back

Current vs industry vs history
Dividend Yield % 2.10
Trailing Dividend Yield ranked lower than
74.10% of 2587 companies
in the Savings & Cooperative Banks industry.
Industry Max: 266.3, Med: 2.92, Min: 0.01
EBTC: 2.1
Ranked among companies with meaningful Trailing Dividend Yield only.
Trailing Dividend Yield range over the past 10 years
Min: 1.34, Med: 2.38, Max: 4.19
Current: 2.1
1.34
4.19
Dividend Payout Ratio 0.23
Dividend Payout Ratio ranked higher than
69.01% of 1420 companies
in the Savings & Cooperative Banks industry.
Industry Max: 186.51, Med: 0.33, Min: 0.01
EBTC: 0.23
Ranked among companies with meaningful Dividend Payout Ratio only.
Dividend Payout Ratio range over the past 10 years
Min: 0.23, Med: 0.33, Max: 0.4
Current: 0.23
0.23
0.4
3-Year Dividend Growth Rate (Per Share) 7.60
3-Year Dividend Growth Rate ranked higher than
53.52% of 880 companies
in the Savings & Cooperative Banks industry.
Industry Max: 228.7, Med: 6, Min: -100
EBTC: 7.6
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
3-Year Dividend Growth Rate range over the past 10 years
Min: 0, Med: 4.45, Max: 14.5
Current: 7.6
0
14.5
Forward Dividend Yield % 2.23
Forward Dividend Yield ranked lower than
74.70% of 2534 companies
in the Savings & Cooperative Banks industry.
Industry Max: 98, Med: 3.16, Min: 0.01
EBTC: 2.23
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield-on-Cost (5-Year) % 2.93
Yield-on-Cost (5y) ranked lower than
67.28% of 2561 companies
in the Savings & Cooperative Banks industry.
Industry Max: 266.3, Med: 3.65, Min: 0.01
EBTC: 2.93
Ranked among companies with meaningful Yield-on-Cost (5y) only.
Yield-on-Cost (5y) range over the past 10 years
Min: 1.84, Med: 3.26, Max: 5.74
Current: 2.93
1.84
5.74
3-Year Share Buyback Rate -1.60
3-Year Share Buyback Rate ranked higher than
51.89% of 1137 companies
in the Savings & Cooperative Banks industry.
Industry Max: 82.2, Med: -2.1, Min: -499.5
EBTC: -1.6
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
3-Year Share Buyback Rate range over the past 10 years
Min: -29.4, Med: -2.4, Max: 19.3
Current: -1.6
-29.4
19.3

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 1.31
Price-to-Tangible-Book ranked lower than
65.01% of 1669 companies
in the Savings & Cooperative Banks industry.
Industry Max: 359582.88, Med: 1.2, Min: 0.01
EBTC: 1.31
Ranked among companies with meaningful Price-to-Tangible-Book only.
Price-to-Tangible-Book range over the past 10 years
Min: 0.81, Med: 1.32, Max: 2.08
Current: 1.31
0.81
2.08
Price-to-Projected-FCF 0.76
Price-to-Intrinsic-Value-Projected-FCF ranked lower than
62.42% of 958 companies
in the Savings & Cooperative Banks industry.
Industry Max: 460, Med: 0.76, Min: 0.01
EBTC: 0.76
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.4, Med: 0.8, Max: 2.23
Current: 0.76
0.4
2.23
Price-to-Median-PS-Value 1.19
Price-to-Median-PS-Value ranked lower than
77.03% of 1524 companies
in the Savings & Cooperative Banks industry.
Industry Max: 186, Med: 1.02, Min: 0.03
EBTC: 1.19
Ranked among companies with meaningful Price-to-Median-PS-Value only.
Price-to-Median-PS-Value range over the past 10 years
Min: 0.55, Med: 1.05, Max: 2.48
Current: 1.19
0.55
2.48
Price-to-Graham-Number 0.81
Price-to-Graham-Number ranked lower than
63.08% of 1476 companies
in the Savings & Cooperative Banks industry.
Industry Max: 99940.04, Med: 0.86, Min: 0
EBTC: 0.81
Ranked among companies with meaningful Price-to-Graham-Number only.
Price-to-Graham-Number range over the past 10 years
Min: 0.59, Med: 0.94, Max: 1.69
Current: 0.81
0.59
1.69

More Statistics

Revenue (TTM) (Mil) $ 122.94
EPS (TTM) $ 2.61
Beta 0.6
Volatility % 21.62
52-Week Range $ 26.96 - 44.04
Shares Outstanding (Mil) 11.79

Analyst Estimate

Piotroski F-Score Details