Enterprise Bancorp Balance Sheet Health
Financial Health criteria checks 6/6
Enterprise Bancorp has total assets of $4.8B and total equity of $360.7M. Total deposits are $4.2B, and total loans are $3.9B. It earns a Net Interest Margin of 3.5%. It has sufficient allowance for bad loans, which are currently at 0.7% of total loans. Cash and short-term investments are $83.8M.
Key information
13.4x
Asset to equity ratio
3.5%
Net interest margin
| Total deposits | US$4.19b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.7% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$83.84m |
Recent financial health updates
No updates
Recent updates
Enterprise Bancorp (NASDAQ:EBTC) Is Due To Pay A Dividend Of $0.24
Oct 19
Enterprise Bancorp Still Has Upside, Despite Its Recent Rally
Oct 15Enterprise Bancorp (NASDAQ:EBTC) Has Affirmed Its Dividend Of $0.24
Jul 22Enterprise Bancorp: A 4% Dividend Yield, But Keep An Eye On The Loan Book
Jun 06Enterprise Bancorp (NASDAQ:EBTC) Is Due To Pay A Dividend Of $0.24
Apr 24Enterprise Bancorp: A Great Stock For Lower Interest Rates
Feb 15Enterprise Bancorp's (NASDAQ:EBTC) Upcoming Dividend Will Be Larger Than Last Year's
Apr 22Enterprise Bancorp's (NASDAQ:EBTC) Shareholders Will Receive A Bigger Dividend Than Last Year
Jan 21Enterprise Bancorp declares $0.205 dividend
Oct 18Enterprise Bancorp GAAP EPS of $0.67, revenue of $37.5M
Jul 21Revisiting My Bullish Thesis On Enterprise Bancorp
Apr 11Enterprise Bancorp (NASDAQ:EBTC) Is Increasing Its Dividend To US$0.20
Jan 24Here's Why We Think Enterprise Bancorp (NASDAQ:EBTC) Is Well Worth Watching
Dec 18Despite Its Rally, Enterprise Bancorp Remains Undervalued
Jun 14Shareholders Will Probably Be Cautious Of Increasing Enterprise Bancorp, Inc.'s (NASDAQ:EBTC) CEO Compensation At The Moment
Apr 29Why Enterprise Bancorp, Inc. (NASDAQ:EBTC) Should Be In Your Dividend Portfolio
Apr 19What Kind Of Investors Own Most Of Enterprise Bancorp, Inc. (NASDAQ:EBTC)?
Mar 08Be Sure To Check Out Enterprise Bancorp, Inc. (NASDAQ:EBTC) Before It Goes Ex-Dividend
Feb 01How Does Enterprise Bancorp, Inc. (NASDAQ:EBTC) Stand Up To These Simple Dividend Safety Checks?
Jan 11Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: EBTC's Assets to Equity ratio (13.4x) is moderate.
Allowance for Bad Loans: EBTC has a sufficient allowance for bad loans (238%).
Low Risk Liabilities: 94% of EBTC's liabilities are made up of primarily low risk sources of funding.
Loan Level: EBTC has an appropriate level of Loans to Assets ratio (81%).
Low Risk Deposits: EBTC's Loans to Deposits ratio (94%) is appropriate.
Level of Bad Loans: EBTC has an appropriate level of bad loans (0.7%).
Discover healthy companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/02/07 01:59 |
| End of Day Share Price | 2025/02/07 00:00 |
| Earnings | 2024/12/31 |
| Annual Earnings | 2024/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
|
|
| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
|
* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Enterprise Bancorp, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.