EBTC

Enterprise Bancorp, Inc.

$39.44

1.01

(2.63%)

Exchange:	NASDAQ
Market Cap:	493.331M
Shares Outstanding:	3.389M

Overview

Earnings

Financials

Valuation

Chart

About The Company

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.

Click to read more…

Revenue Segmentation

Error loading revenue segmentation data: No data found for the specified symbol.

Error loading geo segmentation data: No data found for the specified symbol.

EPS

View full analyst estimates

Earnings Call

No transcript or summary available for this symbol.

Income Statement

Balance Sheet

Cash Flow Statement

Analyst Estimates

Income Statement

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Revenue	92,933	101,233	113,196	120,825	132,176	147,381	159,663	170,260	161,444	230,270
? Cost Of Revenue	0	0	0	0	0	0	0	7,758	0	0
? Gross Profit	92,933	101,233	113,196	120,825	132,176	147,381	159,663	162,502	161,444	230,270
? Research And Development Expenses	0	0	0	0	0	0	0	0	0	0
? General And Administrative Expenses	48,197	52,318	57,285	60,325	65,496	73,799	79,936	73,903	74,995	2,474
? Selling And Marketing Expenses	2,719	2,833	2,855	3,367	2,962	2,151	2,373	2,758	2,786	0
? Operating Expenses	-63,494	-67,798	-70,065	-69,060	-87,595	-105,753	-103,905	-97,241	170,693	2,474
? Net Interest Income	0	0	0	0	0	0	0	0	0	0
? Interest Income	83,471	92,315	105,032	122,903	137,108	144,840	149,033	160,913	201,053	0
? Interest Expense	5,177	5,523	7,510	14,068	21,251	14,706	7,477	9,115	47,969	82,406
? Depreciation And Amortization	5,603	4,400	7,028	6,836	6,142	6,784	7,809	7,036	6,188	0
? EBITDA	29,865	33,993	42,649	44,533	50,723	48,412	63,567	63,182	57,433	0
? EBIT
? Operating Income	29,439	33,435	43,131	51,765	44,581	41,628	55,758	65,261	51,245	227,796
? Income Before Tax	24,262	27,912	35,621	37,697	44,581	41,628	55,758	56,146	51,245	51,626
? Income Tax Expense	8,114	9,161	16,228	8,816	10,381	10,172	13,587	13,430	13,187	12,893
? Net Income From Continuing Operations
? Net Income	16,148	18,751	19,393	28,881	34,200	31,456	42,171	42,716	38,058	38,733
? EPS (Earnings Per Share)	1.450	1.710	1.680	2.470	2.900	2.640	3.510	3.530	3.110	3.130
? EPS Diluted	1.440	1.700	1.660	2.460	2.890	2.640	3.500	3.520	3.110	3.120
? Weighted Average Shares Outstanding	11,097.964	10,966.333	11,568.430	11,679.520	11,789.570	11,897.813	12,005.838	12,103.033	12,223.626	12,386.669
? Weighted Average Shares Outstanding Diluted	11,169.906	11,039.511	11,651.763	11,750.462	11,829.818	11,919.508	12,051.293	12,149.777	12,244.036	12,398.062
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Balance Sheet

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Cash And Cash Equivalents	51,495	50,475	54,806	63,120	63,794	253,782	436,576	267,589	56,592	83,841
? Short Term Investments	300,358	374,790	405,206	0	0	0	0	820,371	-54,503	13,684
? Cash And Short Term Investments	51,495	50,475	54,806	63,120	63,794	253,782	436,576	267,589	2,089	2,357
? Net Receivables	7,790	8,792	10,614	0	0	0	0	0	0	0
? Accounts Receivables										20,553
? Inventory	0	296,751	323,989	-75,314	-76,661	-272,310	-450,209	-285,389	0	0
? Total Current Assets	340,466	416,629	456,130	74,582	76,089	269,861	449,930	284,706	2,089	2,357
? Property Plant Equipment Net	30,553	33,540	37,022	37,588	64,467	65,147	68,984	69,151	69,751	0
? Goodwill	5,656	5,656	5,656	5,656	5,656	5,656	5,656	5,656	5,656	5,656
? Intangible Assets	0	0	0	0	0	0	0	0	0	0
? Long Term Investments	300,358	374,790	405,206	432,921	505,255	583,049	958,215	820,371	668,171	593,595
? Total Non Current Assets	50,320	56,216	53,429	476,165	575,378	653,852	1,032,855	895,178	4,397,967	599,251
? Total Assets	2,285,531	2,526,269	2,817,564	2,964,358	3,235,049	4,014,324	4,447,819	4,438,333	4,466,034	4,827,726
? Account Payables	276	263	478	979	846	1,940	1,537	2,005	4,678	9,055
? Short Term Debt	0	0	0	0	0	0	0	0	0	0
? Deferred Revenue	0	-10,671	-89,000	-99,021	-96,093	-3,618	-2,397	0	-4,678	0
? Total Current Liabilities	57	1,344	1,301	979	846	1,940	1,537	2,005	0	9,055
? Long Term Debt	0	25,505	0	115,352	129,149	96,057	88,085	86,813	89,707	212,951
? Deferred Revenue Non Current	0	-3,234	-2,390	112,872	118,694	81,941	77,968	-9,035	0	0
? Deferred Tax Liabilities Non Current	0	3,234	2,390	2,480	10,455	14,116	10,117	9,035	0	0
? Total Non Current Liabilities	2,105,147	2,310,139	2,584,453	115,352	129,149	96,057	88,085	2,005	4,136,917	236,800
? Total Liabilities	2,105,204	2,311,483	2,585,754	2,709,061	2,938,408	3,679,898	4,100,924	4,156,066	4,136,917	4,466,978
? Treasury Stock										0
? Preferred Stock	0	0	0	0	0	0	0	0	0	0
? Common Stock	104	115	116	117	118	119	120	121	123	124
? Retained Earnings	116,941	130,008	143,147	165,183	191,843	214,977	241,761	274,560	301,380	328,243
? Additional Paid In Capital										0
? Total Stockholders Equity	180,327	214,786	231,810	255,297	296,641	334,426	346,895	282,267	329,117	360,748
? Total Equity	180,327	214,786	231,810	255,297	296,641	334,426	346,895	282,267	329,117	360,748
? Minority Interest	0	0	0	0	0	0	0	0	0	0
? Total Liabilities And Total Equity	2,285,531	2,526,269	2,817,564	2,964,358	3,235,049	4,014,324	4,447,819	4,438,333	4,466,034	4,827,726
? Total Investments	600,716	749,580	810,412	432,921	505,255	583,049	958,215	820,371	668,171	607,279
? Total Debt	68,493	25,505	103,847	115,352	129,149	96,057	88,085	86,813	109,707	236,800
? Net Debt	16,998	-24,970	49,041	52,232	65,355	-157,725	-348,491	-180,776	53,115	152,959
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Cash Flow Statement

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Net Income	16,148	18,751	19,393	28,881	34,200	31,456	42,171	42,716	38,058	38,733
? Depreciation And Amortization	5,603	6,081	7,028	6,836	6,142	6,784	7,809	7,036	6,188	5,610
? Deferred Income Tax	947	1,590	254	5,144	198	10,912	2,410	0	0	0
? Stock Based Compensation	1,803	2,380	1,753	1,848	1,872	1,905	2,060	2,316	2,269	2,335
? Change In Working Capital	938	-1,757	8,383	-3	1,310	-11,774	8,526	-11,153	1,104	0
? Accounts Receivables	-1,057	-1,002	0	0	0	0	0	0	0	0
? Inventory	2,463	-754	0	0	0	0	0	0	0	0
? Accounts Payables	-290	-13	0	0	0	0	0	0	0	0
? Net Cash Provided By Operating Activities	25,723	27,039	37,931	41,801	43,619	40,335	62,233	48,000	57,157	46,531
? Investments In Property Plant And Equipment	-3,938	-7,918	-8,211	-5,297	-12,498	-6,679	-4,187	-4,838	-6,019	0
? Acquisitions Net	3,938	7,918	8,211	5,297	12,498	-509,949	146,812	0	0	0
? Purchases Of Investments	-108,962	-118,255	-187,158	-210,630	-126,872	-145,647	-492,006	-148,866	-2,123	0
? Sales Maturities Of Investments	51,846	35,730	166,379	172,161	63,776	83,441	90,406	152,454	172,955	77,557
? Net Cash Provided By Investing Activities	0	0	0	0	0	0	0	0	0	-346,541
? Net Debt Issuance	0	0	0	0	0	0	0	0	0	127,368
? Long Term Net Debt Issuance	0	0	0	0	0	0	0	0	0	-17,632
? Short Term Net Debt Issuance	0	0	0	0	0	0	0	0	0	145,000
? Net Stock Issuance	0	0	0	0	0	0	0	0	0	37
? Net Dividends Paid	-5,158	-5,684	-6,241	-6,771	-6,371	-7,105	-7,627	-8,521	-9,734	-10,277
? Common Dividends Paid										-10,277
? Preferred Dividends Paid	0	0	0	0	0	0	0	0	0	0
? Net Cash Provided By Financing Activities	245,486	224,449	245,543	129,339	211,110	725,908	407,039	44,515	-45,690	327,259
? Effect Of Forex Changes On Cash	0	0	0	0	0	0	0	0	0	0
? Net Change In Cash	11,349	-1,020	4,331	8,314	674	189,988	182,794	-168,987	-210,997	27,249
? Cash At End Of Period	51,495	50,475	54,806	63,120	63,794	253,782	436,576	267,589	56,592	83,841
? Cash At Beginning Of Period	40,146	51,495	50,475	54,806	63,120	63,794	253,782	436,576	267,589	56,592
? Operating Cash Flow	25,723	27,039	37,931	41,801	43,619	40,335	62,233	48,000	57,157	46,531
? Capital Expenditure	-3,938	-7,918	-8,211	-5,297	-12,498	-6,679	-4,187	-4,838	-6,019	-2,467
? Free Cash Flow	21,785	19,121	29,720	36,504	31,121	33,656	58,046	43,162	51,138	44,064
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Analyst Estimates

(* All numbers are in thousands)

Fiscal Year
Estimated Revenue (Low)
Estimated Revenue (High)
Estimated Revenue (Avg)
Estimated Ebitda (Low)
Estimated Ebitda (High)
Estimated Ebitda (Avg)
Estimated Net Income (Low)
Estimated Net Income (High)
Estimated Net Income (Avg)
Estimated SGA Expense (Low)
Estimated SGA Expense (High)
Estimated SGA Expense (Avg)
Estimated EPS (Avg)
Estimated EPS (High)
Estimated EPS (Low)
Number of Analysts (Estimated Revenue)
Number of Analysts (Estimated EPS)

Subscribe

Log in

Current Key Metrics

?	Revenue (TTM) :	252.009M	?	P/S (TTM) :	1.86
?	Net Income (TTM) :	38.733M	?	P/E (TTM) :	11.78
?	Enterprise Value (TTM) :	572.047M	?	EV/FCF (TTM) :	11.9
?	Dividend Yield (TTM) :	0.03	?	Payout Ratio (TTM) :	0.27
?	ROE (TTM) :	0.11	?	ROIC (TTM) :	0.07
?	Net Debt (TTM) :	194.111M	?	Debt/Equity (TTM) :	0.46
?	P/B (TTM) :	1.24	?	Current Ratio (TTM) :	0.03

Forward P/E Ratios

?

Forward P/E calculated based on:

Forward P/E 1Y	Forward P/E 2Y	Forward P/E 3Y	Forward P/E 4Y	Forward P/E 5Y
N/A	N/A	N/A	N/A	N/A

SWOT Analysis

No SWOT analysis available for this stock.

EBTC

2.63

2.55

3.27

1.44

-1.42

73.21

76.07

Trading Metrics:

Open:	38.61	Previous Close:	38.43
Day Low:	38.26	Day High:	39.45
Year Low:	22.6	Year High:	44.41
Price Avg 50:	38.28	Price Avg 200:	37.62
Volume:	20888	Average Volume:	27163

Relevant news

14-02-2025 04:12

Evaluating Enterprise Bancorp After Its Breathtaking Rally

EBTC

Enterprise Bancorp, Inc.

About The Company

Revenue Segmentation

EPS

Earnings Call

Income Statement

Balance Sheet

Cash Flow Statement

Analyst Estimates

Current Key Metrics

Forward P/E Ratios

SWOT Analysis

Relevant news

Leave a Reply Cancel reply