Enterprise Bancorp, Inc., through its subsidiary Enterprise Bank and Trust Company, provides a range of commercial banking products and services. Founded in 1989 and headquartered in Lowell, Massachusetts, the company (EBTC)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Enterprise Bancorp, Inc., through its subsidiary Enterprise Bank and Trust Company, provides a range of commercial banking products and services. Founded in 1989 and headquartered in Lowell, Massachusetts, the company (EBTC) trades at $39.64 with AI Score 50/100 (Grade B). Enterprise Bancorp, Inc. Market cap: $495.83M, Sector: Financial services.
Price live · AI analysis from May 10, 2026Analyst Coverage for EBTC: EBTC does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates EBTC against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
EBTC: the 1 perspectives are evenly split.
How is this calculated? →Enterprise Bancorp, Inc., through its subsidiary Enterprise Bank and Trust Company, provides a range of commercial banking products and services. Founded in 1989 and headquartered in Lowell, Massachusetts, the company (EBTC) Financial Services Profile
Enterprise Bancorp, Inc., founded in 1989, provides commercial and retail banking services through its Enterprise Bank and Trust Company subsidiary. Operating 26 branches across Massachusetts and New Hampshire, EBTC focuses on commercial real estate, commercial and industrial, and consumer lending, complemented by wealth management and cash management services in the regional banking sector.
What Is the Investment Thesis for EBTC?
Enterprise Bancorp, Inc. presents a compelling investment case rooted in its established regional presence and diversified service offerings. With a market capitalization of $495.83M and a P/E ratio of 23.3, the company demonstrates financial stability. A key value driver is its consistent profitability, reflected in a 16.3% profit margin and a 67.7% gross margin. Growth catalysts include expanding its wealth management services and increasing commercial lending activities within its existing geographic footprint. The company's beta of 0.73 suggests lower volatility compared to the broader market, making it a potentially stable investment. The dividend yield of 0.63% offers a modest income stream. However, potential risks include sensitivity to interest rate fluctuations and competition from larger regional and national banks.
Based on FMP financials and quantitative analysis
EBTC Key Highlights
- Market Cap of $495.83M indicates a solid regional banking presence.
- P/E Ratio of 23.3 reflects investor valuation relative to earnings.
- Profit Margin of 16.3% demonstrates efficient operations and profitability.
- Gross Margin of 67.7% highlights effective cost management in service delivery.
- Dividend Yield of 0.63% provides a modest income stream for investors.
Who Are EBTC's Competitors?
EBTC is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| CASH Pathward Financial, Inc. | $89.31 | +0.66% | $1.89B | 92 |
| FHN First Horizon Corporation | $25.82 | +0.56% | $12.26B | 86 |
| HBAN Huntington Bancshares Incorporated | $17.89 | +0.17% | $36.27B | 68 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.63 | +3.54% | $8.68B | 67 |
| BUSE First Busey Corporation | $29.58 | -0.25% | $2.50B | 63 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are EBTC's Key Strengths?
- Strong regional presence in Massachusetts and New Hampshire.
- Diversified revenue streams from commercial banking, wealth management, and insurance.
- Experienced management team.
- Solid financial performance with consistent profitability.
What Are EBTC's Weaknesses?
- Limited geographic reach compared to larger regional and national banks.
- Reliance on traditional branch banking model.
- Sensitivity to interest rate fluctuations.
- Smaller scale may limit investment in technology and innovation.
What Could Drive EBTC Stock Higher?
- Potential interest rate hikes by the Federal Reserve could increase net interest margin.
- Expansion of wealth management services to attract new clients and increase assets under management.
- Continued investment in digital banking technologies to enhance customer experience and attract younger demographics.
What Are the Key Risks for EBTC?
- Financial-distress signal — its Altman Z-Score of -0.80 sits in the distress zone (elevated bankruptcy risk).
- Rich valuation — a P/E of 23.3 runs well above the Financial Services sector’s ~18x, leaving little room for a miss.
- Economic downturn in the New England region could negatively impact loan demand and asset quality.
- Increased competition from larger regional and national banks could erode market share.
- Regulatory changes could increase compliance costs and reduce profitability.
- Cybersecurity threats and data breaches could damage the bank's reputation and result in financial losses.
What Are the Growth Opportunities for EBTC?
- Expansion of Wealth Management Services: Enterprise Bancorp can grow by expanding its wealth management services to capture a larger share of the high-net-worth individual and institutional investor market in Massachusetts and New Hampshire. The wealth management industry is experiencing growth, driven by an aging population and increasing affluence. By offering customized investment management and trust services, EBTC can attract new clients and increase assets under management, driving revenue growth. Timeline: Ongoing.
- Increased Commercial Lending Activities: Enterprise Bancorp can increase its commercial lending activities by targeting small and medium-sized businesses in its existing geographic footprint. The demand for commercial loans is driven by business expansion and investment. By offering competitive loan products and personalized service, EBTC can attract new borrowers and increase its loan portfolio. Market size for commercial lending in New England is estimated to be in the billions. Timeline: Ongoing.
- Digital Banking Enhancement: Investing in digital banking technologies can enhance customer experience and attract a younger demographic. The shift towards online and mobile banking is accelerating, and banks that offer seamless digital solutions are better positioned to compete. By improving its online and mobile banking platforms, EBTC can increase customer engagement and reduce operational costs. Timeline: 1-2 years.
- Strategic Acquisitions: Enterprise Bancorp can pursue strategic acquisitions of smaller banks or wealth management firms to expand its market presence and service offerings. The regional banking sector is consolidating, and acquisitions can provide access to new markets and customers. By carefully selecting acquisition targets, EBTC can accelerate its growth and increase its market share. Timeline: 3-5 years.
- Focus on Specialized Lending: Enterprise Bancorp can specialize in niche lending areas, such as renewable energy projects or affordable housing developments, to differentiate itself from competitors and attract borrowers seeking specialized financing. These niche markets often offer higher margins and lower competition. By developing expertise in these areas, EBTC can establish itself as a preferred lender and drive loan growth. Timeline: 2-3 years.
What Opportunities Does EBTC Have?
- Expansion of wealth management services.
- Increased commercial lending activities in existing markets.
- Strategic acquisitions of smaller banks or wealth management firms.
- Investment in digital banking technologies to enhance customer experience.
What Threats Does EBTC Face?
- Competition from larger regional and national banks.
- Economic downturn in the New England region.
- Regulatory changes that increase compliance costs.
- Cybersecurity threats and data breaches.
What Are EBTC's Competitive Advantages?
- Established regional presence with a network of 26 branches.
- Strong relationships with local businesses and communities.
- Diversified service offerings, including commercial banking, wealth management, and insurance.
- Experienced management team with a deep understanding of the regional market.
What Does EBTC Do?
Enterprise Bancorp, Inc., established in 1989, functions as the holding company for Enterprise Bank and Trust Company. The bank offers a comprehensive suite of commercial banking products and services tailored to businesses and individuals. Its offerings include commercial and retail deposit accounts such as checking, savings, money market accounts, commercial sweep products, and certificates of deposit. On the lending side, Enterprise Bank provides commercial real estate loans, commercial and industrial loans, commercial construction loans, residential mortgages, and consumer loans, including home equity lines of credit. Beyond traditional banking services, Enterprise Bancorp extends its capabilities to cash management, wealth advisory, and management services. The wealth management division delivers customized investment management and trust services to individuals, families, businesses, trusts, foundations, non-profits, and endowments. The company also provides brokerage and management services to individual investors, along with insurance solutions. Enterprise Bancorp leverages technology to offer voice, online, and mobile banking services to its customers. As of January 27, 2022, the bank operated 26 full-service branches across Massachusetts and New Hampshire, demonstrating its commitment to local communities.
What Products and Services Does EBTC Offer?
- Provides commercial and retail deposit products, including checking, savings, and money market accounts.
- Offers commercial real estate, commercial and industrial, and commercial construction loans.
- Provides residential mortgages and consumer loans, including home equity lines of credit.
- Offers cash management services to businesses.
- Delivers wealth advisory and management services to individuals, families, and organizations.
- Provides brokerage and management services to individual investors.
- Offers insurance services.
- Provides voice, online, and mobile banking services.
How Does EBTC Make Money?
- Generates revenue through interest income from loans.
- Earns fees from deposit accounts and cash management services.
- Collects fees from wealth management and brokerage services.
- Receives commissions from insurance products.
What Industry Does EBTC Operate In?
Enterprise Bancorp operates within the competitive regional banking sector. This sector is characterized by established players and increasing competition from online banking platforms. Market trends include a growing demand for digital banking services and wealth management solutions. The regional banking industry is influenced by interest rate environments and regulatory changes. Enterprise Bancorp's focus on commercial lending and wealth management positions it to capitalize on regional economic growth and the increasing demand for personalized financial services.
Who Are EBTC's Key Customers?
- Small and medium-sized businesses in Massachusetts and New Hampshire.
- Individual consumers seeking personal banking services.
- High-net-worth individuals and families seeking wealth management.
- Non-profit organizations and endowments.
Company Profile
Enterprise Bancorp, Inc., through its subsidiary Enterprise Bank and Trust Company, provides a range of commercial banking products and services. Founded in 1989 and headquartered in Lowell, Massachusetts, the company operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Lowell, US. The company is led by CEO Steven R. Larochelle. EBTC has traded publicly since 2005.
Enterprise Bancorp, Inc., through its subsidiary Enterprise Bank and Trust Company, provides a range of commercial banking products and services. Founded in 1989 and headquartered in Lowell, Massachusetts, the company (EBTC) Valuation Context
Valued at $495.83M, EBTC is classified as a small-cap stock. Relative to its peer group, EBTC's quantitative score of 50/100 is below the peer average of 77/100.
ROE 6%Key Financial Metrics
Return on equity for Enterprise Bancorp, Inc., through its subsidiary Enterprise Bank and Trust Company, provides a range of commercial banking products and services. Founded in 1989 and headquartered in Lowell, Massachusetts, the company stands at 5.7%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.4%, showing how much profit it generates from its asset base. EBTC trades at a trailing price-to-earnings ratio of 23.35, above the Financial Services sector average of ~18x. Its free cash flow yield is 4.6%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.03 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 4.3%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 5/9Financial Health
Enterprise Bancorp, Inc., through its subsidiary Enterprise Bank and Trust Company, provides a range of commercial banking products and services. Founded in 1989 and headquartered in Lowell, Massachusetts, the company's Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -0.80 places it in the distress zone, a signal of elevated financial risk.
EBTC Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2024
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future, with executives aligning their interests with shareholders.
- Community sentiment has shifted positively, with discussions highlighting strong customer service and community involvement.
- Analysts note that Enterprise Bancorp has maintained a solid reputation in the local market, which could drive future growth.
- The recent focus on digital banking solutions has resonated well with younger customers, positioning the company favorably in a competitive landscape.
Bear Case
- Concerns about rising interest rates have led to apprehension regarding the bank's loan growth and profitability.
- Some community members express skepticism about the company's ability to adapt to rapid technological changes in banking.
- Recent regulatory changes have introduced uncertainty, with potential impacts on operational costs and compliance.
- Market perception remains cautious, as some investors are wary of small-cap banks amid broader economic challenges.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · January 2026
EBTC Latest News
No recent news available for EBTC.
EBTC Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for EBTC.
Price Targets
Wall Street price target analysis for EBTC.
EBTC MoonshotScore
What does this score mean?
The MoonshotScore rates EBTC's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Steven R. Larochelle
CEO
Steven R. Larochelle serves as the CEO of Enterprise Bancorp, Inc., leading the company and its subsidiary, Enterprise Bank and Trust Company. His career reflects a deep understanding of the financial services industry, with a focus on community banking. He has been with Enterprise Bank for a significant period, holding various leadership positions before assuming the role of CEO. His expertise spans commercial lending, retail banking, and wealth management. He is responsible for managing 576 employees.
Track Record: Under Steven R. Larochelle's leadership, Enterprise Bancorp has maintained a steady growth trajectory, expanding its branch network and service offerings. He has overseen strategic initiatives to enhance the bank's digital capabilities and strengthen its relationships with local businesses and communities. Key achievements include navigating the bank through economic cycles and maintaining consistent profitability. He has focused on fostering a culture of customer service and community involvement.
EBTC Financial Services Stock FAQ
What does Enterprise Bancorp, Inc. do?
Enterprise Bancorp, Inc., through its subsidiary Enterprise Bank and Trust Company, provides a comprehensive suite of commercial banking products and services to businesses and individuals primarily in Massachusetts and New Hampshire. These services include commercial and retail deposit accounts, commercial real estate loans, commercial and industrial loans, residential mortgages, and consumer loans. Additionally, the company offers cash management services, wealth advisory and management services, brokerage services, and insurance services, catering to a diverse range of financial needs within its regional market.
What do analysts say about EBTC stock?
Analyst coverage of Enterprise Bancorp, Inc. (EBTC) is limited, reflecting its smaller market capitalization and regional focus. However, existing analysis typically focuses on the company's consistent profitability, strong regional presence, and diversified service offerings. Key valuation metrics, such as the P/E ratio and dividend yield, are often compared to those of peer regional banks. Growth considerations include the company's ability to expand its wealth management services and increase its commercial lending activities while managing credit risk and interest rate sensitivity.
What are the main risks for EBTC?
Enterprise Bancorp, Inc. faces several risks inherent to the regional banking sector. These include sensitivity to interest rate fluctuations, which can impact net interest margin and profitability. Credit risk, particularly in its commercial real estate and commercial and industrial loan portfolios, is another significant concern. Competition from larger regional and national banks, as well as online banking platforms, could erode market share. Additionally, regulatory changes and cybersecurity threats pose ongoing challenges to the company's operations and financial performance. Managing these risks effectively is crucial for maintaining stability and growth.
What are the key factors to evaluate for EBTC?
Enterprise Bancorp, Inc., through its subsidiary Enterprise Bank and Trust Company, provides a range of commercial banking products and services. Founded in 1989 and headquartered in Lowell, Massachusetts, the company (EBTC) holds an AI score of 50/100 (moderate). P/E: 23.3x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does EBTC data refresh on this page?
EBTC prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven EBTC's recent stock price performance?
Enterprise Bancorp, Inc., through its subsidiary Enterprise Bank and Trust Company, provides a range of commercial banking products and services. Founded in 1989 and headquartered in Lowell, Massachusetts, the company (EBTC) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong regional presence in Massachusetts and New Hampshire. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider EBTC overvalued or undervalued right now?
Enterprise Bancorp, Inc., through its subsidiary Enterprise Bank and Trust Company, provides a range of commercial banking products and services. Founded in 1989 and headquartered in Lowell, Massachusetts, the company (EBTC) trades at 23.3x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying EBTC?
Before investing in Enterprise Bancorp, Inc., through its subsidiary Enterprise Bank and Trust Company, provides a range of commercial banking products and services. Founded in 1989 and headquartered in Lowell, Massachusetts, the company (EBTC), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data and may be subject to change.
- Financial metrics are as of the latest available reporting period.