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Upturn AI SWOT - About
EBTC 
Enterprise Bancorp Inc (EBTC)
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Upturn Advisory Summary
04/01/2025: EBTC (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -6.48% | Avg. Invested days 49 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 451.55M USD | Price to earnings Ratio 12.52 | 1Y Target Price - |
Price to earnings Ratio 12.52 | 1Y Target Price - | ||
Volume (30-day avg) 33430 | Beta 0.52 | 52 Weeks Range 22.13 - 44.16 | Updated Date 04/2/2025 |
52 Weeks Range 22.13 - 44.16 | Updated Date 04/2/2025 | ||
Dividends yield (FY) 2.64% | Basic EPS (TTM) 2.85 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 21.88% | Operating Margin (TTM) 33.56% |
Management Effectiveness
Return on Assets (TTM) 0.78% | Return on Equity (TTM) 10.76% |
Valuation
Trailing PE 12.52 | Forward PE - | Enterprise Value 492890688 | Price to Sales(TTM) 2.89 |
Enterprise Value 492890688 | Price to Sales(TTM) 2.89 | ||
Enterprise Value to Revenue 4.22 | Enterprise Value to EBITDA - | Shares Outstanding 12429200 | Shares Floating 9418824 |
Shares Outstanding 12429200 | Shares Floating 9418824 | ||
Percent Insiders 20.02 | Percent Institutions 33.5 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Enterprise Bancorp Inc
Company Overview
History and Background
Enterprise Bancorp, Inc. was founded in 1988 as Enterprise Bank. It has grown organically and through acquisitions to become a leading community bank in the Massachusetts and Southern New Hampshire region, focusing on providing financial services to businesses and individuals.
Core Business Areas
- Commercial Lending: Provides loans and lines of credit to businesses for working capital, equipment financing, and real estate development.
- Retail Banking: Offers deposit accounts, mortgages, consumer loans, and other banking services to individuals and families.
- Cash Management: Provides treasury management services to businesses, including online banking, lockbox services, and payment processing.
- Wealth Management: Offers financial planning, investment management, and trust services to individuals and businesses.
Leadership and Structure
George L. Duncan is the Chairman. Jack Clancy is the CEO. The company has a board of directors and a management team overseeing various departments.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties, contributing significantly to Enterprise Bancorp's loan portfolio. Market share data is not publicly available on an individual product level. Competitors include larger national and regional banks, as well as other community banks.
- Small Business Loans (SBA): Loans guaranteed by the Small Business Administration. No precise market share available. Competitors include other SBA lenders, online lenders, and credit unions.
- Commercial and Industrial (C&I) Loans: Loans for working capital, equipment and expansion. No precise market share available. Competitors include other banks and financial institutions.
Market Dynamics
Industry Overview
The banking industry is highly regulated and competitive. Current trends include increasing digitalization, rising interest rates, and a focus on customer experience.
Positioning
Enterprise Bancorp is a community-focused bank with a strong regional presence. Its competitive advantages include local expertise, personalized service, and strong relationships with customers.
Total Addressable Market (TAM)
The TAM consists of all businesses and individuals in its geographic footprint requiring banking services. The bank is positioned well to maintain and grow its current position within this TAM through community engagement and relationship banking.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Personalized customer service
- Experienced management team
- Solid capital base
- Relationship-focused banking
Weaknesses
- Limited geographic reach compared to larger banks
- Higher operating costs than larger competitors
- Dependence on local economy
- Relatively small asset base
Opportunities
- Expand into new markets within the region
- Increase focus on digital banking services
- Acquire smaller banks or branches
- Grow wealth management business
- Capitalize on fintech partnerships
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in the region
- Rising interest rates
- Regulatory changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- MTB
- CASH
- WSFS
- TFSL
Competitive Landscape
Enterprise Bancorp competes with larger regional and national banks, as well as other community banks. Its advantages include local expertise, personalized service, and strong relationships with customers. Disadvantages include limited geographic reach and higher operating costs.
Major Acquisitions
Rockland Trust Financial Services
- Year: 2008
- Acquisition Price (USD millions): 37
- Strategic Rationale: Expansion into new markets within Massachusetts and growth of its asset base.
Growth Trajectory and Initiatives
Historical Growth: The company has experienced steady growth over the past several years, driven by organic loan growth and strategic acquisitions.
Future Projections: Analyst estimates predict continued growth in revenue and earnings, driven by expansion into new markets and increased focus on digital banking.
Recent Initiatives: Recent initiatives include launching a new mobile banking app, expanding the wealth management team, and opening a new branch in a strategic location.
Summary
Enterprise Bancorp is a stable community bank with a strong regional presence and a customer-centric approach. Its strength lies in its local market knowledge and relationships, and it benefits from strategic acquisitions. The company should be mindful of increasing competition from larger banks and fintech companies. They need to continue investments in tech and digital capabilities to remain competitive.
Similar Companies
CASH
Meta Financial Group Inc
CASH
Meta Financial Group Inc
FCNCA
First Citizens BancShares Inc
FCNCA
First Citizens BancShares Inc
MTB
M&T Bank Corporation
MTB
M&T Bank Corporation
TFSL
TFS Financial Corporation
TFSL
TFS Financial Corporation
WSFS
WSFS Financial Corporation
WSFS
WSFS Financial Corporation
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q), Investor Relations presentations, Third-party financial data providers
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Investment decisions should be based on individual research and consultation with a qualified financial advisor. Market share data may be estimated.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Enterprise Bancorp Inc
Exchange NASDAQ | Headquaters Lowell, MA, United States | ||
IPO Launch date 2005-02-14 | CEO & Director Mr. Steven R. Larochelle | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 576 | |
Full time employees 576 | |||
Enterprise Bancorp, Inc. operates as the holding company for Enterprise Bank and Trust Company that provides community focused 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 deposits. The company also provides commercial real estate mortgage loans, construction and land development loans, secured and unsecured commercial loans and lines of credit, and letters of credit, as well as industrial loans; and consumer/retail loans, including conventional residential mortgage loans, home equity lines of credit, residential construction loans on owner-occupied primary and secondary residences, and secured and unsecured personal loans and lines of credit. In addition, it 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; online and mobile banking services; and retirement plan services. Enterprise Bancorp, Inc. was founded in 1989 and is headquartered in Lowell, Massachusetts.
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