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Enterprise Bancorp, Inc. (EBTC)
Key financial summary
Financials in USD| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 132 | 147 | 160 | 170 | 171 | 171 | 174 |
| Operating profit | $m | 52 | 54 | |||||
| Net profit | $m | 34 | 31 | 42 | 43 | 38 | 39 | 41 |
| EPS reported | $ | 3.12 | 3.27 | |||||
| Operating cashflow per share | $ | 3.76 | 3.76 | |||||
| Capex per share | $ | 0.20 | 0.20 | |||||
| FCF per share | $ | 3.56 | 3.56 | |||||
| Free cash flow | $m | 44 | 48 | |||||
| Net debt | $m | 115 | 59 | |||||
| Book value equity | $m | 361 | 385 | |||||
| Book value per share | $ | 29.10 | 30.84 | |||||
| Number of shares | m | 12.4 | 12.5 | |||||
| DPS (TTM paid) | $ | 0.96 | 0.98 |
Financial summary
Financials in USD| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 12.67 | - | |||||
| P/B LTM | x | 1.36 | 1.29 | |||||
| P/S LTM | x | 2.87 | 2.85 | |||||
| P/FCF LTM | x | 11.12 | 10.32 | |||||
| EV/EBITDA LTM | x | 11.23 | 9.31 | |||||
| EV/Sales LTM | x | 2.54 | 3.19 | |||||
| Earnings Yield LTM | % | 7.89% | 7.89% | |||||
| FCF Yield | % | 9.00% | 9.69% | |||||
| Quality | ||||||||
| ROE | % | 10.74% | 11.23% | |||||
| ROIC | % | 6.14% | 6.14% | |||||
| Operating margin | % | 20.39% | 20.39% | |||||
| Gross margin | % | 66.66% | 66.66% | |||||
| FCF/Sales | % | 17.41% | 17.41% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | +0.32% | +12.37% | |||||
| Sales Growth YoY | % | +0.03% | +4.26% | |||||
| Net Income Growth YoY | % | +1.77% | +13.59% | |||||
| FCF Growth | % | -13.83% | +1.07% | |||||
| Operating Profit Growth | % | +0.74% | +11.60% | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 2.10% | 2.47% | |||||
| Dividend Growth | % | +4.35% | - | |||||
| Payout Ratio | % | 26.53% | 26.64% | |||||
| FCF/Debt | x | 0.19 | 0.27 | |||||
| Net Debt/EBITDA | x | 2.67 | 2.67 | |||||
| EBIT/Net interest | x | 0.63 | 0.63 | |||||
| Net debt/market cap | % | 23.57% | 11.87% | |||||
| Net debt/Equity | x | 0.32 | 0.15 | |||||
| Gross debt/equity | x | 0.66 | 0.46 | |||||
Company overview
Enterprise Bancorp, Inc. functions as the parent entity for Enterprise Bank and Trust Company, concentrating on delivering a wide array of commercial banking solutions. The company furnishes a variety of commercial and retail deposit solutions, such as checking accounts, specific savings and money market accounts designed for limited transactions, commercial sweep products, and term certificates of deposit. Furthermore, it extends diverse credit facilities, encompassing commercial real estate, industrial, and construction loans, along with residential mortgages, consumer financing, and home equity products (both loans and lines of credit). In addition to these core banking services, Enterprise Bancorp offers crucial financial tools like cash management, extensive wealth advisory services (featuring bespoke investment management and trust services for a broad clientele including individuals, families, commercial enterprises, trusts, foundations, non-profit organizations, and endowments), brokerage and management services for individual investors, insurance options, and convenient banking through voice, online, and mobile channels. Founded in 1989 and headquartered in Lowell, Massachusetts, the company operated 26 full-service branches as of January 27, 2022. These locations are situated across various Massachusetts communities, specifically Acton, Andover, Billerica, Chelmsford, Dracut, Fitchburg, Lawrence, Leominster, Lexington, Lowell, Methuen, North Andover, Tewksbury, Tyngsborough, and Westford, as well as in the New Hampshire towns of Derry, Hudson, Nashua, Pelham, Salem, and Windham.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Enterprise Bancorp, Inc. (EBTC)
Enterprise Bancorp, Inc. functions as the parent entity for Enterprise Bank and Trust Company, concentrating on delivering a wide array of commercial banking solutions. The company furnishes a variety of commercial and retail deposit solutions, such as checking accounts, specific savings and money market accounts designed for limited transactions, commercial sweep products, and term certificates of deposit. Furthermore, it extends diverse credit facilities, encompassing commercial real estate, industrial, and construction loans, along with residential mortgages, consumer financing, and home equity products (both loans and lines of credit). In addition to these core banking services, Enterprise Bancorp offers crucial financial tools like cash management, extensive wealth advisory services (featuring bespoke investment management and trust services for a broad clientele including individuals, families, commercial enterprises, trusts, foundations, non-profit organizations, and endowments), brokerage and management services for individual investors, insurance options, and convenient banking through voice, online, and mobile channels. Founded in 1989 and headquartered in Lowell, Massachusetts, the company operated 26 full-service branches as of January 27, 2022. These locations are situated across various Massachusetts communities, specifically Acton, Andover, Billerica, Chelmsford, Dracut, Fitchburg, Lawrence, Leominster, Lexington, Lowell, Methuen, North Andover, Tewksbury, Tyngsborough, and Westford, as well as in the New Hampshire towns of Derry, Hudson, Nashua, Pelham, Salem, and Windham.
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