Enterprise Bancorp Inc (EBTC) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Enterprise Bancorp Inc stock (EBTC) is currently trading at $39.64. Enterprise Bancorp Inc PE ratio is 12.12. Enterprise Bancorp Inc PS ratio (Price-to-Sales) is 2.88. WallStSmart rates EBTC as Hold.
- EBTC PE ratio analysis and historical PE chart
- EBTC PS ratio (Price-to-Sales) history and trend
- EBTC intrinsic value — DCF, Graham Number, EPV models
- EBTC stock price prediction 2025 2026 2027 2028 2029 2030
- EBTC fair value vs current price
- EBTC insider transactions and insider buying
- Is EBTC undervalued or overvalued?
- Enterprise Bancorp Inc financial analysis — revenue, earnings, cash flow
- EBTC Piotroski F-Score and Altman Z-Score
- EBTC analyst price target and Smart Rating
Enterprise Bancorp Inc
📊 No data available
Try selecting a different time range
EBTC Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Enterprise Bancorp Inc (EBTC)
EBTC trades at a significant discount to its Graham intrinsic value of $133.68, offering a 70% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Enterprise Bancorp Inc (EBTC) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, eps growth. Fundamentals are solid but monitor weak areas for improvement.
Enterprise Bancorp Inc (EBTC) Key Strengths (4)
Keeps $34 of every $100 in revenue after operating costs
Keeps $24 of every $100 in revenue as net profit
Trading at 1.29x book value, attractively priced
Strong earnings growth at 21.30% per year
Supporting Valuation Data
Enterprise Bancorp Inc (EBTC) Areas to Watch (5)
Modest revenue growth at 8.70%
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Revenue is fairly priced at 2.88x sales
Moderate institutional interest at 34.98%
Enterprise Bancorp Inc (EBTC) Detailed Analysis Report
Overall Assessment
This company scores 63/100 in our Smart Analysis, earning a C+ grade. Out of 9 metrics analyzed, 4 register as strengths (avg 9.0/10) while 5 fall into concern territory (avg 5.2/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Price/Book. Valuation metrics including Price/Book (1.29) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 33.90%, Profit Margin at 23.60%. Growth metrics are encouraging with EPS Growth at 21.30%.
The Bear Case
The primary concerns are Revenue Growth, Market Cap, Return on Equity. Some valuation metrics including Price/Sales (2.88) suggest expensive pricing. Growth concerns include Revenue Growth at 8.70%, which may limit upside. Profitability pressure is visible in Return on Equity at 11.30%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 11.30% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 8.70% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Profit Margin) and negatives (Revenue Growth, Market Cap). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
EBTC Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
EBTC's Price-to-Sales ratio of 2.88x sits near its historical average of 2.85x (58th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 64% below its historical high of 8x set in Jun 2006, and 93% above its historical low of 1.49x in Mar 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for Enterprise Bancorp Inc (EBTC) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Enterprise Bancorp Inc is a mature, profitable business with steady cash generation. Revenue reached 172M with 9% growth year-over-year. Profit margins are strong at 23.6%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 23.6% and operating margin of 33.9% demonstrate strong pricing power and operational efficiency.
Generating 5M in free cash flow and 5M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Enterprise Bancorp Inc.
Bottom Line
Enterprise Bancorp Inc is a well-established business delivering consistent profitability with 23.6% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
Loading insider activity...
About Enterprise Bancorp Inc(EBTC)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Enterprise Bancorp, Inc. is a Massachusetts corporation that conducts substantially all of its operations through Enterprise Bank and Trust Company, commonly known as Enterprise Bank, and has reported 126 consecutive profitable quarters.