NASDAQ: EBTCEnterprise Bancorp Inc Stock
$27.50+0.32 (+1.18%)
Updated May 26, 2023
EBTC Price
$27.50
Fair Value Price
$49.52
Market Cap
$336.10M
52 Week Low
$26.27
52 Week High
$37.23
P/E
7.7x
P/B
1.08x
P/S
2.29x
PEG
0.71x
Dividend Yield
3.16%
Revenue
$167.35M
Earnings
$43.20M
Gross Margin
100%
Operating Margin
33.91%
Profit Margin
25.8%
Debt to Equity
13.27
Operating Cash Flow
$57M
Beta
1.25
Next Earnings
Jul 19, 2023
Ex-Dividend
May 10, 2023
Next Dividend
Jun 1, 2023
EBTC Overview
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.
Zen Score
–
Industry Average (38)
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Due Diligence Checks
EBTC ($27.50) is undervalued by 44.47% relative to our estimate of its Fair Value price of $49.52 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
EBTC ($27.50) is significantly undervalued by 44.47% relative to our estimate of its Fair Value price of $49.52 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
EBTC ($27.50) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
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Valuation
EBTC fair value
Fair Value of EBTC stock based on Discounted Cash Flow (DCF)
Price
$27.50
Fair Value
$49.52
Undervalued by
44.47%
EBTC ($27.50) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
EBTC ($27.50) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
EBTC ($27.50) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
EBTC price to earnings (PE)
For valuing profitable companies with steady earnings
Company
7.7x
Industry
20.04x
Market
54.23x
EBTC is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
EBTC is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
EBTC price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
1.08x
Industry
0.88x
EBTC is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation
EBTC price to earnings growth (PEG)
For valuing profitable companies with growth potential
EBTC is good value based... subscribe to Premium to read more.
PEG Value Valuation
EBTC's financial health
Profit margin
Revenue
$42.0M
Net Income
$10.8M
Profit Margin
25.6%
EBTC's Earnings (EBIT) of $56.76M... subscribe to Premium to read more.
Interest Coverage Financials
EBTC's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$4.4B
Liabilities
$4.1B
Debt to equity
13.27
EBTC's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
EBTC's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$5.7M
Investing
-$35.2M
Financing
-$22.3M
EBTC's operating cash flow ($56.94M)... subscribe to Premium to read more.
Debt Coverage Financials
EBTC vs Bank Stocks
Enterprise Bancorp Stock FAQ
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