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Enterprise Bancorp, Inc. EBTC
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 35.96
-1.4 %
$ 448 M
Market Cap
11.07
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one EBTC stock under the worst case scenario is HIDDEN Compared to the current market price of 36 USD, Enterprise Bancorp, Inc. is HIDDEN

EBTC Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one EBTC stock under the base case scenario is HIDDEN Compared to the current market price of 36 USD, Enterprise Bancorp, Inc. is HIDDEN

EBTC Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one EBTC stock under the best case scenario is HIDDEN Compared to the current market price of 36 USD, Enterprise Bancorp, Inc. is HIDDEN

EBTC Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart EBTC

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1M -9%
6M 12%
1Y 46%
3Y 12%
5Y 78%
All
$46.0$46.0$44.0$44.0$42.0$42.0$40.0$40.0$38.0$38.0$36.0$36.0$34.0$34.0$32.0$32.0$30.0$30.0Nov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 Apr
FINANCIALS
230 M REVENUE
42.63%
Growth Rates
1Year 42.63%
3Years 12.98%
5Years 11.74%
7Years 10.68%
10Years 10.47%
228 M OPERATING INCOME
344.52%
Growth Rates
1Year 344.52%
3Years 59.86%
5Years 38.57%
7Years 26.84%
10Years 23.55%
38.7 M NET INCOME
1.77%
Growth Rates
1Year 1.77%
3Years -2.79%
5Years 2.52%
7Years 10.39%
10Years 10.21%
46.5 M OPERATING CASH FLOW
-18.59%
Growth Rates
1Year -18.59%
3Years -9.24%
5Years 1.30%
7Years 2.96%
10Years 13.48%
-347 M INVESTING CASH FLOW
-55.77%
Growth Rates
1Year -55.77%
3Years -6.55%
5Years -6.41%
7Years -3.14%
10Years -6.81%
327 M FINANCING CASH FLOW
816.26%
Growth Rates
1Year 816.26%
3Years -7.01%
5Years 9.16%
7Years 4.19%
10Years 7.93%
59.6 M REVENUE
0.52%
Growth Rates
1Year 42.63%
3Years 12.98%
5Years 11.74%
7Years 10.68%
10Years 10.47%
59 M OPERATING INCOME
0.39%
Growth Rates
1Year 344.52%
3Years 59.86%
5Years 38.57%
7Years 26.84%
10Years 23.55%
10.7 M NET INCOME
7.41%
Growth Rates
1Year 1.77%
3Years -2.79%
5Years 2.52%
7Years 10.39%
10Years 10.21%
18.1 M OPERATING CASH FLOW
41.37%
Growth Rates
1Year -18.59%
3Years -9.24%
5Years 1.30%
7Years 2.96%
10Years 13.48%
-112 M INVESTING CASH FLOW
-86.20%
Growth Rates
1Year -55.77%
3Years -6.55%
5Years -6.41%
7Years -3.14%
10Years -6.81%
89.1 M FINANCING CASH FLOW
239.66%
Growth Rates
1Year 816.26%
3Years -7.01%
5Years 9.16%
7Years 4.19%
10Years 7.93%
Balance Sheet Enterprise Bancorp, Inc.
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Current Assets 2.36 M
Cash & Short-Term Investments 2.36 M
Receivables 0
Other Current Assets 0
Non-Current Assets 599 M
Long-Term Investments 594 M
PP&E 0
Other Non-Current Assets 5.66 M
98.67 %Total Assets$601.6m
Current Liabilities 9.06 M
Accounts Payable 9.06 M
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 237 M
Long-Term Debt 237 M
Other Non-Current Liabilities 0
3.68 %96.32 %Total Liabilities$245.9m
EFFICIENCY
Earnings Waterfall Enterprise Bancorp, Inc.
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Revenue 230 M
Cost Of Revenue 59.5 M
Gross Profit 171 M
Operating Expenses 2.47 M
Operating Income 228 M
Other Expenses 189 M
Net Income 38.7 M
250m250m200m200m150m150m100m100m50m50m00230m(60m)171m(2m)228m(189m)39mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
74.15% GROSS MARGIN
74.15%
Averages
1Year 74.15%
3Years 89.86%
5Years 93.92%
7Years 95.66%
10Years 96.96%
98.93% OPERATING MARGIN
98.93%
Averages
1Year 98.93%
3Years 56.33%
5Years 46.43%
7Years 44.11%
10Years 41.15%
16.82% NET MARGIN
16.82%
Averages
1Year 16.82%
3Years 21.83%
5Years 22.65%
7Years 23.29%
10Years 21.60%
10.74% ROE
10.74%
Averages
1Year 10.74%
3Years 12.48%
5Years 11.80%
7Years 11.69%
10Years 10.79%
0.80% ROA
0.80%
Averages
1Year 0.80%
3Years 0.87%
5Years 0.87%
7Years 0.91%
10Years 0.85%
28.84% ROIC
28.84%
Averages
1Year 28.84%
3Years 11.31%
5Years 8.04%
7Years 7.52%
10Years 6.71%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Enterprise Bancorp, Inc.
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60m60m50m50m40m40m30m30m20m20m10m10m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 38.7 M
Depreciation & Amortization 5.61 M
Capital Expenditures -2.47 M
Stock-Based Compensation 2.34 M
Change in Working Capital 0
Others 1.21 M
Free Cash Flow 44.1 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Enterprise Bancorp, Inc.
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EBTC has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.00% DIVIDEND YIELD
0.25 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.0001.0000.9000.9000.8000.8000.7000.7000.6000.6000.5000.5000.4000.4000.3000.3000.2000.2000.1000.1000.0000.0000.1250.130.1350.1450.160.1750.1850.2050.230.240.250.1250.130.1350.1450.160.1750.1850.2050.230.240.250.1250.130.1350.1450.160.1750.1850.2050.230.240.1250.500.130.520.1350.540.1450.580.160.640.1750.700.1850.740.2050.820.230.920.240.960.502015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 9
6. Ownership
Insider Ownership Enterprise Bancorp, Inc.
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Sold
0-3 MONTHS
50.1 USD 1
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Enterprise Bancorp, Inc. Announces First Quarter Financial Results LOWELL, Mass., April 17, 2025 (GLOBE NEWSWIRE) -- Enterprise Bancorp, Inc. ("Enterprise") (NASDAQ: EBTC), parent of Enterprise Bank, announced its financial results for the three months ended March 31, 2025. Net income amounted to $10.4 million, or $0.84 per diluted common share, for the three months ended March 31, 2025, compared to $10.7 million, or $0.86 per diluted common share, for the three months ended December 31, 2024 and $8.5 million, or $0.69 per diluted common share, for the three months ended March 31, 2024. globenewswire.com - 2 weeks ago
ENTERPRISE BANCORP INVESTOR ALERT by the Former Attorney General of Louisiana: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of Enterprise Bancorp, Inc. - EBTC NEW ORLEANS--(BUSINESS WIRE)--Former Attorney General of Louisiana Charles C. Foti, Jr., Esq. and the law firm of Kahn Swick & Foti, LLC (“KSF”) are investigating the proposed sale of Enterprise Bancorp, Inc. (NasdaqGS: EBTC) to Independent Bank Corp. (NasdaqGS: INDB). Under the terms of the proposed transaction, shareholders of Enterprise will receive 0.60 shares of Independent and $2.00 in cash for each share of Enterprise that they own. KSF is seeking to determine whether this considerat. businesswire.com - 2 months ago
EBTC Stock Alert: Halper Sadeh LLC is Investigating Whether the Sale of Enterprise Bancorp, Inc. is Fair to Shareholders NEW YORK--(BUSINESS WIRE)--Halper Sadeh LLC, an investor rights law firm, is investigating whether the sale of Enterprise Bancorp, Inc. (NASDAQ: EBTC) to Independent Bank Corp. for 0.60 shares of Independent common stock and $2.00 in cash for each share of Enterprise common stock is fair to Enterprise shareholders. Halper Sadeh encourages Enterprise shareholders to click here to learn more about their legal rights and options or contact Daniel Sadeh or Zachary Halper at (212) 763-0060 or sadeh@. businesswire.com - 2 months ago
Evaluating Enterprise Bancorp After Its Breathtaking Rally Enterprise Bancorp has outperformed the S&P 500, driven by lower interest rates, a favorable new government, and a pending acquisition by Independent Bank. The Fed's interest rate cuts have improved Enterprise Bancorp's net interest margin, boosting earnings and indicating potential future growth if rates decrease further. Independent Bank's acquisition of Enterprise Bancorp promises enhanced geographic reach, significant earnings growth, and a low forward P/E ratio, suggesting substantial upside potential. seekingalpha.com - 2 months ago
23 Upcoming Dividend Increases, Including 2 Kings Excited to announce dividend hikes for 23 companies, including dividend kings SJW Group and California Water Service Group, with 5% and 7.1% increases. Companies with consistent dividend growth indicate financial health, attracting investors and boosting stock prices, leading to long-term wealth accumulation. Investment strategy focuses on stocks with rising dividends and outperforming benchmarks, using data from U.S. Dividend Champions and NASDAQ. seekingalpha.com - 2 months ago
Enterprise Bancorp, Inc. Announces Fourth Quarter Financial Results Filed by Enterprise Bancorp, Inc.pursuant to Rule 425 under the Securities Act of 1933and deemed filed pursuant to Rule 14a-12under the Securities Exchange Act of 1934 globenewswire.com - 3 months ago
Enterprise Bancorp, Inc. Announces Quarterly Dividend LOWELL, Mass., Jan. 21, 2025 (GLOBE NEWSWIRE) -- Enterprise Bancorp, Inc. (the "Company") (NASDAQ:EBTC) On January 21, 2025, the Board of Directors of Enterprise Bancorp, Inc. declared a quarterly dividend of $0.25 per share to be paid on March 3, 2025, to shareholders of record as of February 10, 2025. globenewswire.com - 3 months ago
KBRA Comments on Enterprise Bancorp, Inc.'s Proposed Merger Agreement with Independent Bank Corp. NEW YORK--(BUSINESS WIRE)-- #creditratingagency--On December 9, 2024, Rockland, MA-based Independent Bank Corp. (NASDAQ: INDB) (“Independent”), parent company of Rockland Trust Company (“Rockland Trust”), and Lowell, MA-based Enterprise Bancorp, Inc. (NASDAQ: EBTC) (“Enterprise”)(KBRA senior unsecured debt rating: BBB / Stable Outlook), parent company of Enterprise Bank and Trust Company (“Enterprise Bank”), jointly announced the signing of a definitive merger agreement pursuant to which Enterprise will merge into I. businesswire.com - 4 months ago
ENTERPRISE BANCORP INVESTOR ALERT by the Former Attorney General of Louisiana: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of Enterprise Bancorp, Inc. - EBTC NEW ORLEANS--(BUSINESS WIRE)--Former Attorney General of Louisiana Charles C. Foti, Jr., Esq. and the law firm of Kahn Swick & Foti, LLC (“KSF”) are investigating the proposed sale of Enterprise Bancorp, Inc. (NasdaqGS: EBTC) to Independent Bank Corp. (NasdaqGS: INDB). Under the terms of the proposed transaction, shareholders of Enterprise will receive 0.60 shares of Independent and $2.00 in cash for each share of Enterprise that they own. KSF is seeking to determine whether this considerat. businesswire.com - 4 months ago
INDB to Buy Enterprise Bancorp, Expand Footprint in Lucrative Markets Independent Bank is set to buy Enterprise Bancorp, expanding its presence in lucrative Northern MA & Southern NH markets. zacks.com - 4 months ago
SHAREHOLDER ALERT: The M&A Class Action Firm Investigates the Merger of Enterprise Bancorp, Inc. - EBTC NEW YORK , Dec. 9, 2024 /PRNewswire/ -- Monteverde & Associates PC (the "M&A Class Action Firm"), has recovered millions of dollars for shareholders and is recognized as a Top 50 Firm by ISS Securities Class Action Services Report. We are headquartered at the Empire State Building in New York City and are investigating Enterprise Bancorp, Inc. (NASDAQ: EBTC ), relating to the proposed merger with Independent Bank Corp. Under the terms of the agreement, shareholders of Enterprise will receive 0.60 shares of Independent, and $2.00 in cash, per share held. prnewswire.com - 4 months ago
Enterprise Bancorp, Inc. Announces Third Quarter Financial Results LOWELL, Mass., Oct. 22, 2024 (GLOBE NEWSWIRE) -- Enterprise Bancorp, Inc. (NASDAQ: EBTC), parent of Enterprise Bank, announced its financial results for the three months ended September 30, 2024. Net income amounted to $10.0 million, or $0.80 per diluted common share, for the three months ended September 30, 2024 compared to $9.5 million, or $0.77 per diluted common share, for the three months ended June 30, 2024 and $9.7 million, or $0.79 per diluted common share, for the three months ended September 30, 2023. globenewswire.com - 6 months ago
8. Profile Summary

Enterprise Bancorp, Inc. EBTC

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 448 M
Dividend Yield 0.00%
Description Enterprise Bancorp, Inc. operates as the holding company of Enterprise Bank and Trust Company that provides commercial banking products and services. It offers commercial and retail deposit products, including checking accounts, limited-transactional savings and money market accounts, commercial sweep products, and term certificates of deposit. The company also provides commercial real estate, commercial and industrial, commercial construction, residential, and consumer loans, as well as home equity loans and lines of credit. In addition, the company offers cash management services; wealth advisory and management services that include customized investment management and trust services to individuals, family groups, commercial businesses, trusts, foundations, non-profit organizations, and endowments; brokerage and management services to individual investors; insurance services; and voice, online, and mobile banking services. As of January 27, 2022, it had 26 full-service branches located in the Massachusetts communities of Acton, Andover, Billerica, Chelmsford, Dracut, Fitchburg, Lawrence, Leominster, Lexington, Lowell, Methuen, North Andover, Tewksbury, Tyngsborough, and Westford; and in the New Hampshire communities of Derry, Hudson, Nashua, Pelham, Salem, and Windham. The company was founded in 1989 and is headquartered in Lowell, Massachusetts.
Contact 222 Merrimack Street, Lowell, MA, 01852 https://www.enterprisebanking.com
IPO Date Feb. 14, 2005
Employees 576
Officers Ms. Susan Callery Rossini Senior Financial Advisor & Senior Vice President of Enterprise Wealth Management Mr. Robert R. Gilman EVice President of Admin - Enterprise Bank & Trust Co. and Commercial Lender of Enterprise Bank & Trust Co. Mr. Joseph R. Lussier Executive Vice President, Chief Financial Officer & Treasurer Mr. Richard W. Main President & Director Mr. Michael K. Sullivan Accounting Director Philip S. Nyman Esq. General Counsel Mr. George L. Duncan Founder & Executive Chairman of the Board Mr. Steven R. Larochelle Chief Executive Officer & Director Mr. David S. Lynch CFA MD & Chief Investment Officer of Enterprise Wealth Management Mr. John A. Koutsos Secretary & Independent Director