EBTC (Enterprise Bancorp) Moat Score : 4/10 (As of Jul. 06, 2025)

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What is Enterprise Bancorp Moat Score?

Enterprise Bancorp has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Enterprise Bancorp has Narrow Moat: Enterprise Bancorp Inc has a discernible but modest moat due to its regional market presence and customer relationships. However, it lacks significant pricing power or proprietary technology to strengthen its competitive position.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Enterprise Bancorp might have Narrow Moat - Discernible but modest moat.

Competitive Comparison of Enterprise Bancorp's Moat Score

For the Banks - Regional subindustry, Enterprise Bancorp's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Enterprise Bancorp's Moat Score Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Enterprise Bancorp's Moat Score distribution charts can be found below:

* The bar in red indicates where Enterprise Bancorp's Moat Score falls into.

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Enterprise Bancorp (NAS:EBTC) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score	Moat Level
10	Wide Moat - Exceptionally dominant and durable wide moat
8 - 9	Wide Moat - Clear and robust wide moat
7	Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6	Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5	Narrow Moat - Solid narrow moat
4	Narrow Moat - Discernible but modest moat
1 - 3	No Moat - Very weak/transient advantages
0	No Moat - No discernible moat

Enterprise Bancorp Moat Score Related Terms

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Enterprise Bancorp Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Enterprise Bancorp Inc (NAS:EBTC) » Definitions » Moat Score

Comparable Companies

Traded in Other Exchanges

N/A

Address

222 Merrimack Street, Lowell, MA, USA, 01852

Website

https://www.enterprisebanking.com

Enterprise Bancorp Inc is a holding company engaged in the business of gathering deposits from the general public and investing in loans and investment securities. Through the Bank and its subsidiaries, the company offers a range of commercial, residential, and consumer loan products, deposit products, and cash management services, as well as wealth management and wealth services.

Executives

Susan Covey	officer: EVP-Principal Subsidiary	C/O ENTERPRISE BANK, 222 MERRIMACK STREET, LOWELL MA 01852
Michael T Putziger	director	C/O NEW HAMPSHIRE THRIFT BANCSHARES, 9 MAIN STREET, NEWPORT NH 03773
Joseph R Lussier	officer: EVP-Principal Subsidiary	C/O ENTERPRISE BANK, 222 MERRIMACK STREET, LOWELL MA 01852
Ken S Ansin	director	390 GOODRICH ST, LUNENBURG MA 01462
Gino J Baroni	director	222 MERRIMACK STREET, LOWELL MA 01852
Jacqueline F Moloney	director	222 MERRIMACK STREET, LOWELL MA 01852
George L Duncan	director, officer: Chief Executive Officer	222 MERRIMACK ST, LOWELL MA 01852
Stephen J Irish	officer: EVP - Principal Subsidiary	222 MERRIMACK ST, LOWELL MA 01852
Ryan C Dunn	officer: EVP-Principal Subsidiary	C/O ENTERPRISE BANK, 222 MERRIMACK STREET, LOWELL MA 01852
Mary Jane King	director	222 MERRIMACK STREET, LOWELL MA 01852
Luis M Pedroso	director	222 MERRIMACK STREET, LOWELL MA 01852
Diane J Silva	officer: EVP - Principal Subsidiary	222 MERRIMACK STREET, LOWELL MA 01852
Anita R Worden	director	C/O ENTERPRISE BANK, 222 MERRIMACK STREET, LOWELL MA 01852
John A Koutsos	director	222 MERRIMACK STREET, LOWELL MA 01852
Peter Rayno	officer: EVP - Principal Subsidiary	C/O ENTERPRISE BANK, 222 MERRIMACK STREET, LOWELL MA 01852