Enterprise Bancorp Inc EBTC Stock Analysis
- Nasdaq
- Stock
- Market closed · opens Monday 9:30 AM ET
$39.64 unchanged at close Nov 6
Last close · Previous close $39.64
- Market cap
- $493.87MAt the Nov 6 close
- P/E ratio
- 12.12On last 12 months’ EPS
- Diluted EPS
- $3.27Last 12 months
- Dividend yield
- NoneLast 12 months
Price chart
$39.64unchangedPast month
Use the left and right arrow keys to move along the chart.
Price data
Trading
- Previous close$39.64Nov 5
- Volume0.00Nov 6 session
Shares traded on all US exchanges in the last completed session. Live intraday volume covers IEX only, so it is left out.
- Avg. volume0.00Last 21 sessions
The average daily shares traded over the last 21 trading sessions, about one calendar month.
- 52-week range: $39.64 to $39.64; now $39.64
The lowest and highest trades over the past 52 weeks, adjusted for splits. The marker shows the latest price.
Member SIPC.Low CommissionsLearn More (opens in a new tab)Sponsored. Affiliate link: I may earn a commission. The inclusion of Interactive Brokers’ (IBKR) name, logo or weblink is present pursuant to an advertising arrangement only. IBKR is not a contributor, reviewer, provider or sponsor of content published on this site, and is not responsible for the accuracy of any products or services discussed.
Performance
Past performance, measured to the Nov 6 close. Total return includes reinvested dividends.Price change only, without dividends. Compared with the S&P 500, using SPY.
EBTC beat the S&P 500 in 2 of 5 periods.
| Period | EBTC and S&P 500 | vs S&P 500 |
|---|---|---|
| Short term | ||
| 1M | EBTC: unchanged S&P 500: down 5.6% | EBTC beat the S&P 500 by 5.6 percentage points Beat |
| 3M | EBTC: unchanged S&P 500: down 4.1% | EBTC beat the S&P 500 by 4.1 percentage points Beat |
| Long term | ||
| 3Y | EBTC: up 56.7% S&P 500: up 75.0% +16.2% vs +20.5% a year | EBTC trailed the S&P 500 by 18.3 percentage points Trailed |
| 5Y | EBTC: up 10.8% S&P 500: up 67.8% +2.1% vs +10.9% a year | EBTC trailed the S&P 500 by 57.0 percentage points Trailed |
| 10Y | EBTC: up 86.2% S&P 500: up 313.1% +6.4% vs +15.2% a year | EBTC trailed the S&P 500 by 226.9 percentage points Trailed |
$10,000 invested in EBTC 10 years ago (Nov 4, 2016) would be worth about $18,625 at the close on , with dividends reinvested. The same amount in the S&P 500 would be worth about $41,313.
EBTC beat the S&P 500 in 2 of 5 periods.
| Period | EBTC and S&P 500 | vs S&P 500 |
|---|---|---|
| Short term | ||
| 1M | EBTC: unchanged S&P 500: down 5.6% | EBTC beat the S&P 500 by 5.6 percentage points Beat |
| 3M | EBTC: unchanged S&P 500: down 4.3% | EBTC beat the S&P 500 by 4.3 percentage points Beat |
| Long term | ||
| 3Y | EBTC: up 48.5% S&P 500: up 68.8% +14.1% vs +19.1% a year | EBTC trailed the S&P 500 by 20.3 percentage points Trailed |
| 5Y | EBTC: down 0.3% S&P 500: up 56.9% −0.1% vs +9.4% a year | EBTC trailed the S&P 500 by 57.2 percentage points Trailed |
| 10Y | EBTC: up 51.0% S&P 500: up 252.6% +4.2% vs +13.4% a year | EBTC trailed the S&P 500 by 201.6 percentage points Trailed |
$10,000 invested in EBTC 10 years ago (Nov 4, 2016) would be worth about $15,095 at the close on , not counting dividends. The same amount in the S&P 500 would be worth about $35,257.
All-time high
$46.04
Closing high on . Now 13.9% below that record.
Split-adjusted daily closes since Feb 14, 2005.
Stock splits
1
2-for-1 on . One share bought before the first split is 2 shares today.
Valuation
The Nov 6 close compared with the last 12 months of reported results (the four quarters to Mar 31, 2025). Tap a metric to see how it’s calculated.
Price-to-earnings (P/E)
12.1×The Nov 6 close ÷ diluted EPS over the last 12 months ($3.27)
The range covers daily P/E ratios from Oct 28, 2021 to Nov 6, 2026, each based on the previous 12 months of earnings.
EBTC trades at 12.1× its earnings over the last 12 months, above its 5-year median of 10.3×. In plain terms, buyers are paying about $12 for each $1 of profit from the past year. How to read P/E
Other valuation measures
- 2.9×Last 12 months’ revenue
Market value divided by revenue over the last 12 months. Useful when earnings are small or negative.
P/S = Market cap ÷ Revenue (last 12 months)Price-to-sales ratio - 1.3×Book value as of Mar 31, 2025
Price relative to accounting equity (book value) per share on the Mar 31, 2025 balance sheet. Asset-light companies often trade far above book value.
P/B = Price ÷ Book value per sharePrice-to-book ratio - 9.8×Last 12 months’ EBITDA
Enterprise value divided by EBITDA over the last 12 months. It compares companies with different amounts of debt.
EV/EBITDA = Enterprise value ÷ EBITDA (last 12 months)EV/EBITDA explained - 1.01Last 12 months’ EPS growth
The P/E divided by the growth in diluted EPS over the last 12 months (+12.0% on the 12 months before). It looks backward: near 1 means the P/E roughly matches last year’s growth. Sites that use analysts’ growth forecasts show a different PEG.
PEG = P/E ÷ EPS growth (%) = 12.1 ÷ 12.0 - 9.73%Last 12 months’ free cash flow
Free cash flow over the last 12 months as a share of the company’s market value: the cash the business generated for each dollar of stock.
FCF yield = Free cash flow (last 12 months) ÷ Market capFree cash flow - $585.22MAt the Nov 6 close
What it would cost to buy the whole business: the market cap at the Nov 6 close, plus debt, minus cash and short-term investments from the Mar 31, 2025 balance sheet.
EV = Market cap + Debt − Cash and short-term investmentsEV/EBITDA explained
Build your own EBTC DCF in Excel. Value Enterprise Bancorp with your own growth and margin assumptions.Browse DCF models Free DCF calculator
Financials
Reported results, not forecasts. From company filings via Tiingo; the latest report is Q1 FY25, the quarter ended Mar 31, 2025. “Last 12 months” means the four quarters from Apr 1, 2024 to Mar 31, 2025, and balance-sheet figures are as of Mar 31, 2025.
Revenue and net income
Last 12 months, with the change from the 12 months before
- Revenue
- $172.24Mup 8.0%
- Net income
- $40.66Mup 13.6%
- Diluted EPS
- $3.27up 12.0%
Data table
| Period | Revenue | Net income | Diluted EPS |
|---|---|---|---|
| Q2 FY23 (Jun 30, 2023) | $38.64M | $9.68M | $0.79 |
| Q3 FY23 (Sep 30, 2023) | $41.24M | $9.70M | $0.79 |
| Q4 FY23 (Dec 31, 2023) | $39.57M | $7.91M | $0.65 |
| Q1 FY24 (Mar 31, 2024) | $40.06M | $8.51M | $0.69 |
| Q2 FY24 (Jun 30, 2024) | $41.65M | $9.51M | $0.77 |
| Q3 FY24 (Sep 30, 2024) | $42.83M | $9.99M | $0.80 |
| Q4 FY24 (Dec 31, 2024) | $44.22M | $10.73M | $0.86 |
| Q1 FY25 (Mar 31, 2025) | $43.55M | $10.44M | $0.84 |
| Period | Revenue | Net income | Diluted EPS |
|---|---|---|---|
| FY20 (Dec 31, 2020) | $134.88M | $31.46M | $2.64 |
| FY21 (Dec 31, 2021) | $157.89M | $42.17M | $3.50 |
| FY22 (Dec 31, 2022) | $164.46M | $42.72M | $3.52 |
| FY23 (Dec 31, 2023) | $161.44M | $38.06M | $3.11 |
| FY24 (Dec 31, 2024) | $168.76M | $38.73M | $3.12 |
Margins
- Gross 100.0%
- Operating 31.4%
- Net 23.6%
The percentages above the chart cover the last 12 months; the lines show each quarter. What margins tell you
Cash flow
- $48.06MLast 12 months
Cash from operations minus capital spending: the cash left after the business maintains and grows its assets.
FCF = Operating cash flow − Capital spendingFree cash flow - Operating cash flow$49.75MLast 12 months
- Capital spending$1.69MLast 12 months
- 27.9%Last 12 months
Free cash flow as a share of revenue, both over the last 12 months.
Shareholder returns
- $418.00KLast 12 months
Cash spent repurchasing shares, net of shares issued. Buybacks shrink the share count, so each remaining share owns more of the company.
- Dividends paid$10.84MLast 12 months
- Total returned$10.84MLast 12 months
23% of free cash flow
Balance sheet
- Not reportedAs of Mar 31, 2025
Cash plus short- and long-term marketable securities on the Mar 31, 2025 balance sheet.
- Total debt$178.09MAs of Mar 31, 2025
- 0.46As of Mar 31, 2025
Total debt divided by shareholders’ equity on the Mar 31, 2025 balance sheet: a measure of financial leverage.
D/E = Total debt ÷ Shareholders’ equityDebt-to-equity ratio
Financial strength
- 11.2%Last 12 months
Over the last 12 months, Enterprise Bancorp’s net income was 11.2% of its shareholders’ equity (averaged over the last four quarter-ends). It describes the past year, not an expected return.
ROE = Net income (last 12 months) ÷ Average equityReturn on equity - 0.8%Last 12 months
Over the last 12 months, Enterprise Bancorp’s net income was 0.8% of its total assets (averaged over the last four quarter-ends): what the business earned on everything it owns.
ROA = Net income (last 12 months) ÷ Average total assets
Dividends
Cash dividends per share by ex-dividend year, adjusted for splits.
Dividends per share
Data table
| Year | Per share |
|---|---|
| 2016 | $0.52 |
| 2017 | $0.54 |
| 2018 | $0.58 |
| 2019 | $0.64 |
| 2020 | $0.70 |
| 2021 | $0.74 |
| 2022 | $0.82 |
| 2023 | $0.92 |
| 2024 | $0.96 |
| 2025 | $0.50 |
| 2026 (to date) | $0.000 |
Dividend details
- $0.00Per share, last 12 months
Cash dividends per share with ex-dividend dates in the last 12 months.
- 0.00%; 5-yr low 0.63%, 5-yr high 4.32%Last 12 months
Dividends paid over the last 12 months as a share of the Nov 6 close. The bar shows where that yield sits in its range over the past five years; the median was 2.59%.
- $0.25Ex-dividend
The most recent payment per share. Shares bought on or after the ex-dividend date don’t receive it.
About Enterprise Bancorp Inc
Enterprise Bancorp, Inc. is a Massachusetts corporation that conducts substantially all its operations through Enterprise Bank and Trust Company, commonly referred to as Enterprise Bank, and has reported 141 consecutive profitable quarters. Enterprise Bank is principally engaged in the business of attracting deposits from the general public and investing in commercial loans and investment securities. Through Enterprise Bank and its subsidiaries, the Company offers a range of commercial, residential and consumer loan products, deposit products and cash management services, electronic and digital banking options, as well as wealth management, and trust services. The Company's headquarters and Enterprise Bank's main office are located at 222 Merrimack Street in Lowell, Massachusetts. The Company's primary market area is the Northern Middlesex, Northern Essex, and Northern Worcester counties of Massachusetts and the Southern Hillsborough and Southern Rockingham counties in New Hampshire. Enterprise Bank has 27 full-service branches located in the Massachusetts communities of Acton, Andover, Billerica (2), Chelmsford (2), Dracut, Fitchburg, Lawrence, Leominster, Lexington, Lowell (2), Methuen, North Andover, Tewksbury (2), Tyngsborough and Westford and in the New Hampshire communities of Derry, Hudson, Londonderry, Nashua (2), Pelham, Salem and Windham.
- Sector
- Financial Services
- Industry
- Banks - Regional
- Headquarters
- Massachusetts, USA
- SEC filings
- EDGAR (opens in a new tab)
- Exchange
- Nasdaq
- Asset type
- Common stock
- Price history since
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EBTC stock FAQ
What is EBTC stock’s price today?
Enterprise Bancorp (EBTC) traded at $39.64 at the close on , unchanged from the previous close of $39.64. Over the past 52 weeks it has traded between $39.64 and $39.64.
If you invested $1,000 in EBTC 10 years ago, how much would you have now?
With dividends reinvested, $1,000 invested in EBTC on would be worth about $1,862 at the close on , a total return of +86.2%. The same $1,000 would be worth $1,108 if invested five years ago and $4,134 if invested 20 years ago. Past performance doesn’t predict future returns.
What is Enterprise Bancorp’s market cap?
Enterprise Bancorp’s market capitalization is about $493.9 million. That’s Tiingo’s daily market cap for , at that day’s closing price of $39.64 (how market cap works). Enterprise Bancorp reported 12.46M shares outstanding at the end of its latest quarter ().
What is EBTC’s P/E ratio?
EBTC trades at 12.1 times its diluted earnings over the four quarters to ($3.27 per share), at the close. Over the past five years its P/E has ranged from 7.3 to 15.0, with a median of 10.3. (How the P/E ratio works.)
How much revenue does Enterprise Bancorp make?
Enterprise Bancorp reported $172.2 million of revenue over the four quarters to , up 8.0% from the twelve months before. In its latest quarter (Q1 FY25, ended ) revenue was $43.5 million, up 8.7% from a year earlier.
Is Enterprise Bancorp profitable?
Yes. Enterprise Bancorp earned $40.7 million of net income over the four quarters to , a net margin of 23.6%, and its operating margin was 31.4% (what margins tell you).
What are EBTC’s earnings per share?
EBTC’s diluted earnings per share were $3.27 over the four quarters to , compared with $2.92 in the twelve months before. The latest quarter (Q1 FY25) brought $0.84 per share, against $0.69 a year earlier (how EPS works).
Does EBTC pay a dividend?
Enterprise Bancorp hasn’t paid a dividend in the last twelve months.
What is EBTC’s 52-week high and low?
Over the past 52 weeks EBTC has traded as low as $39.64 and as high as $39.64. At $39.64 at the close on , it is 0.0% below that high and 0.0% above the low.
What is EBTC’s all-time high?
EBTC’s highest closing price was $46.04 on , adjusted for stock splits. At $39.64 at the close on , it is 13.9% below that record.
Has EBTC stock ever split?
Yes, once: 2-for-1 on . One share bought before the first split would be 2 shares today.
What sector and industry is Enterprise Bancorp in?
Enterprise Bancorp is in the Financial Services sector and the Banks - Regional industry, and is headquartered in Massachusetts, USA.
What exchange does EBTC trade on?
Enterprise Bancorp trades on the Nasdaq under the ticker symbol EBTC. Its price history on this dashboard begins on .
Member SIPC.Low CommissionsLearn More (opens in a new tab)Sponsored. Affiliate link: I may earn a commission. The inclusion of Interactive Brokers’ (IBKR) name, logo or weblink is present pursuant to an advertising arrangement only. IBKR is not a contributor, reviewer, provider or sponsor of content published on this site, and is not responsible for the accuracy of any products or services discussed.
About this data. Data sourced by Tiingo (opens in a new tab). The live price is Tiingo’s real-time price, based on IEX trades and quotes; intraday charts show IEX trades, and volume figures are consolidated totals for completed sessions. Prices are split-adjusted, and total returns assume dividends are reinvested. Financials come from company filings and can lag new reports. Times are Eastern.
This page is for education, not investment advice. Past performance doesn't predict future returns. Logos provided by Logo.dev (opens in a new tab).
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