Eric Hanson - Enterprise Bancorp Chairman

EBTC Stock  USD 23.50  0.18  0.76%   

Chairman

Mr. Eric W. Hanson is no longer Assistant Secretary, Director of Enterprise Bancorp Inc and Enterprise Bank and Trust Company Director of Enterprise Bancorp Inc effective May, 2017. He is Chairman of the Board and Chief Financial Officer of Klin Groupe, LLC, a privately held distributor of imported Russian vodka since May 2013 since 2014.
Age 71
Tenure 10 years
Address 222 Merrimack Street, Lowell, MA, United States, 01852
Phone978 459 9000
Webhttps://www.enterprisebanking.com

Enterprise Bancorp Management Efficiency

At present, Enterprise Bancorp's Return On Assets are projected to increase slightly based on the last few years of reporting. The current year's Return On Equity is expected to grow to 0.12, whereas Return On Capital Employed is forecasted to decline to 0.02. At present, Enterprise Bancorp's Non Current Assets Total are projected to increase significantly based on the last few years of reporting. The current year's Non Currrent Assets Other is expected to grow to about 4.5 B, whereas Total Current Assets are forecasted to decline to about 73.5 M. Enterprise Bancorp's management efficiency ratios could be used to measure how well Enterprise Bancorp manages its routine affairs as well as how well it operates its assets and liabilities.
The company currently holds 109.71 M in liabilities with Debt to Equity (D/E) ratio of 11.67, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Debt can assist Enterprise Bancorp until it has trouble settling it off, either with new capital or with free cash flow. So, Enterprise Bancorp's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Enterprise Bancorp sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Enterprise to invest in growth at high rates of return. When we think about Enterprise Bancorp's use of debt, we should always consider it together with cash and equity.

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Enterprise Bancorp, Inc. operates as the holding company of Enterprise Bank and Trust Company that provides commercial banking products and services. The company was founded in 1989 and is headquartered in Lowell, Massachusetts. Enterprise Bancorp operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 536 people. Enterprise Bancorp (EBTC) is traded on NASDAQ Exchange in USA. It is located in 222 Merrimack Street, Lowell, MA, United States, 01852 and employs 570 people. Enterprise Bancorp is listed under Regional Banks category by Fama And French industry classification.

Management Performance

Enterprise Bancorp Leadership Team

Elected by the shareholders, the Enterprise Bancorp's board of directors comprises two types of representatives: Enterprise Bancorp inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Enterprise. The board's role is to monitor Enterprise Bancorp's management team and ensure that shareholders' interests are well served. Enterprise Bancorp's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Enterprise Bancorp's outside directors are responsible for providing unbiased perspectives on the board's policies.
Chester Szablak, Executive Vice President and Chief Sales and Marketing Officer of the Bank
Philip Esq, General Counsel
Brian Collins, Executive Vice President Director of Operations of the Bank;
CPA CFP, MDWealth Co
Peter Rayno, Executive Vice President Lead Director
George Duncan, Executive Chairman, Member of Executive Committee, Member of Enterprise Investment Advisory (EIA) Committee, Member of Asset-Liability Committee, Member of Marketing and Bus. Devel. Committee, Member of Strategic Planning Committee and Chairman of Enterprise Bank
Michael Putziger, Director
Ken Ansin, Director
Richard Main, President, Director, Chairman of Executive Committee, Member of Asset-Liability Committee, Member of Strategic Planning Committee, Member of Marketing and Bus. Devel. Committee, Member of Enterprise Investment Advisory (EIA) Committee, Member of Loan Committee, Member of Banking Technology Steering Committee and President of Enterprise Bank and Trust Company and Director of Enterprise Bank and Trust Company
James Conway, Independent Director
Joseph Lerner, Director
Normand Deschene, Director
John Grady, Independent Director
Ryan Dunn, Executive Vice President and Regional Commercial Lending Manager
Arnold Lerner, Vice Chairman, Chairman of Corporate Governance/Nominating Committee, Member of Executive Committee, Member of Compensation Committee, Member of Asset-Liability Committee, Member of Enterprise Investment Advisory (EIA) Committee and Vice Chairman - Enterprise Bank and Trust Company
Diane Silva, Executive Vice President and Mortgage Lending Director of the Bank
Kenneth Ansin, Director
Dwight Feeney, Senior Officer
Marlene Hoyt, Executive Vice President Construction Lending Director
Michael Gallagher, Executive Vice President Chief Risk Officer
Keith Soucie, Executive Vice President and CIO of the Bank
Gino Baroni, Independent Director
Robert Gilman, EVP Co
John Clementi, Independent Director
James Marcotte, CFO, Executive VP, Treasurer, CFO of Enterprise Bank and Trust Company, Executive VP of Enterprise Bank and Trust Company and Treasurer of Enterprise Bank and Trust Company
Stephen Irish, Executive Vice President COO of the Bank
Michael Spinelli, Secretary, Director, Member of Asset-Liability Committee, Member of Marketing and Bus. Devel. Committee, Member of Banking Technology Steering Committee, Member of Enterprise Investment Advisory (EIA) Committee, Secretary of Enterprise Bank and Trust Company and Director of Enterprise Bank and Trust Company
Carol Reid, Independent Director
Susan Covey, Executive Vice President Director
Joseph Lussier, CFO VP
Mary King, Director
Brian Bullock, Executive Vice President and Chief Commercial Lending Officer of the Bank
Luis Pedroso, Director
John Koutsos, Secretary Director
Carole Cowan, Independent Director
Shelagh Mahoney, Director
Jamie Gabriel, Chief Human Resource Officer, Executive Vice President
Susan Rossini, Senior Management
Jacqueline Moloney, Independent Director
Eric Hanson, Assistant Secretary, Director, Chairman of Loan Committee, Member of Executive Committee, Member of Compensation Committee, Assistant Secretary of Enterprise Bank and Trust Company and Director of Enterprise Bank and Trust Company
John Clancy, CEO, Director, Member of Executive Committee, Member of Asset-Liability Committee, Member of Strategic Planning Committee, Member of Banking Technology Steering Committee, Member of Enterprise Investment Advisory (EIA) Committee, Member of Loan Committee and CEO of Enterprise Bank and Trust Company, Director of Enterprise Bank and Trust Company
Steven Larochelle, Executive Vice President and Chief Banking Officer of the Bank
Janice Villanucci, Executive Vice President and Deposit Services Director of the Bank

Enterprise Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is Enterprise Bancorp a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.
Some investors attempt to determine whether the market's mood is bullish or bearish by monitoring changes in market sentiment. Unlike more traditional methods such as technical analysis, investor sentiment usually refers to the aggregate attitude towards Enterprise Bancorp in the overall investment community. So, suppose investors can accurately measure the market's sentiment. In that case, they can use it for their benefit. For example, some tools to gauge market sentiment could be utilized using contrarian indexes, Enterprise Bancorp's short interest history, or implied volatility extrapolated from Enterprise Bancorp options trading.

Pair Trading with Enterprise Bancorp

One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Enterprise Bancorp position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Enterprise Bancorp will appreciate offsetting losses from the drop in the long position's value.

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The ability to find closely correlated positions to Enterprise Bancorp could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Enterprise Bancorp when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Enterprise Bancorp - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Enterprise Bancorp to buy it.
The correlation of Enterprise Bancorp is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Enterprise Bancorp moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Enterprise Bancorp moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for Enterprise Bancorp can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.
Pair CorrelationCorrelation Matching
When determining whether Enterprise Bancorp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Enterprise Bancorp's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Enterprise Bancorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Enterprise Bancorp Stock:
Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in Enterprise Bancorp. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in estimate.
For information on how to trade Enterprise Stock refer to our How to Trade Enterprise Stock guide.
You can also try the Stocks Directory module to find actively traded stocks across global markets.

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Is Enterprise Bancorp's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Enterprise Bancorp. If investors know Enterprise will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Enterprise Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.36)
Dividend Share
0.92
Earnings Share
3.11
Revenue Per Share
13.208
Quarterly Revenue Growth
(0.11)
The market value of Enterprise Bancorp is measured differently than its book value, which is the value of Enterprise that is recorded on the company's balance sheet. Investors also form their own opinion of Enterprise Bancorp's value that differs from its market value or its book value, called intrinsic value, which is Enterprise Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Enterprise Bancorp's market value can be influenced by many factors that don't directly affect Enterprise Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Enterprise Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if Enterprise Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Enterprise Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.