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Upturn AI SWOT - About
EBTC 
Enterprise Bancorp Inc (EBTC)
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Upturn Advisory Summary
06/30/2025: EBTC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $
1 Year Target Price $
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 2.72% | Avg. Invested days 46 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 499.59M USD | Price to earnings Ratio 12.21 | 1Y Target Price - |
Price to earnings Ratio 12.21 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.73 | 52 Weeks Range 22.40 - 43.87 | Updated Date 06/29/2025 |
52 Weeks Range 22.40 - 43.87 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 2.50% | Basic EPS (TTM) 3.27 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 23.61% | Operating Margin (TTM) 33.91% |
Management Effectiveness
Return on Assets (TTM) 0.85% | Return on Equity (TTM) 11.31% |
Valuation
Trailing PE 12.21 | Forward PE - | Enterprise Value 583600576 | Price to Sales(TTM) 2.9 |
Enterprise Value 583600576 | Price to Sales(TTM) 2.9 | ||
Enterprise Value to Revenue 3.9 | Enterprise Value to EBITDA - | Shares Outstanding 12508400 | Shares Floating 9617197 |
Shares Outstanding 12508400 | Shares Floating 9617197 | ||
Percent Insiders 20.81 | Percent Institutions 34.98 |
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 1989 in Lowell, Massachusetts, as a commercial bank focused on serving the needs of small and medium-sized businesses and individuals in the Merrimack Valley region. Over time, it has grown organically and through acquisitions, expanding its geographic footprint and service offerings.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit products to businesses, including commercial loans, lines of credit, and treasury management services.
- Retail Banking: Offers personal banking services such as checking and savings accounts, mortgages, and consumer loans to individuals and families.
- Wealth Management: Provides investment management, financial planning, and trust services to individuals, families, and businesses.
Leadership and Structure
Enterprise Bancorp Inc. is led by a board of directors and a senior management team headed by the CEO. The organizational structure is typical of a regional bank, with departments responsible for lending, operations, finance, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans provided to businesses for various purposes, such as working capital, equipment purchases, and real estate. Market share data is not publicly available, and competitors include larger national and regional banks. Competitors include Bank of America (BAC), Eastern Bank, and TD Bank (TD).
- Residential Mortgages: Mortgage lending secured by residential properties. Market share data for this specific segment is not readily available. Competitors include large national banks and mortgage lenders. Competitors include Rocket Mortgage, Bank of America (BAC), and Wells Fargo (WFC).
- Small Business Loans: Loans to small and medium-sized businesses. Competitors include national banks and online lenders. Market share information is not always disclosed publicly.
- Treasury Management Services: Services for businesses to manage cash flow. Competitors include national banks.
Market Dynamics
Industry Overview
The banking industry is facing increasing regulatory scrutiny, competition from fintech companies, and evolving customer preferences for digital banking services. Interest rate fluctuations also significantly impact profitability.
Positioning
Enterprise Bancorp Inc. is a regional bank that focuses on building strong relationships with its customers, particularly small and medium-sized businesses. Its competitive advantage lies in its local presence and personalized service. The TAM is very large at roughly $1.4 trillion, which consists of all US Banking assets, and Enterprise Bancorp Inc is competing for this space with several banks and credit unions.
Total Addressable Market (TAM)
The TAM for banking in the US is extremely large, encompassing all loan and deposit activity. Estimating a total addressable market for banking is hard due to the constantly changing nature of market conditions and regulatory laws.
Upturn SWOT Analysis
Strengths
- Strong local presence and customer relationships
- Experienced management team
- Solid asset quality
- Stable deposit base
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger competitors
- Reliance on traditional banking services
- Limited brand recognition outside its core market
Opportunities
- Expanding into new markets through organic growth or acquisitions
- Increasing adoption of digital banking technologies
- Growing wealth management business
- Capitalizing on the growing demand for commercial lending
Threats
- Increasing competition from larger banks and fintech companies
- Rising interest rates and economic slowdown
- Regulatory changes and compliance costs
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- Bank of America (BAC)
- Eastern Bank
- TD Bank (TD)
- Rockland Trust
Competitive Landscape
Enterprise Bancorp Inc. competes with larger national and regional banks, as well as smaller community banks and credit unions. Its competitive advantage lies in its local presence and personalized service, but it faces challenges in competing on price and technology with larger competitors.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends require a review of past financial performance. (Placeholder data provided below)
Future Projections: Future projections require analyst estimates. (Placeholder data provided below)
Recent Initiatives: Recent strategic initiatives should be based on publicly available information. (Placeholder data provided below)
Summary
Enterprise Bancorp Inc. is a relatively stable regional bank with a focus on commercial lending. Its strong customer relationships are a core asset. Challenges include competition from larger banks and fintech companies, and the need to invest in technology. Growth depends on expanding geographic reach and adapting to digital banking trends.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and based on available sources.
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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