Enterprise Bancorp Stock Z Score

EBTC Stock

USD 24.90 0.27 1.10%

Altman Z Score is one of the simplest fundamental models to determine how likely your company is to fail. The module uses available fundamental data of a given equity to approximate the Altman Z score. Altman Z Score is determined by evaluating five fundamental price points available from the company's current public disclosure documents. Check out Enterprise Bancorp Piotroski F Score and Enterprise Bancorp Valuation analysis.

For information on how to trade Enterprise Stock refer to our How to Trade Enterprise Stock guide.

At present, Enterprise Bancorp's Capital Stock is projected to increase significantly based on the last few years of reporting. The current year's Change In Working Capital is expected to grow to about 1.2 M, whereas Capital Surpluse is forecasted to decline to about 84.8 M. At present, Enterprise Bancorp's Selling General Administrative is projected to increase significantly based on the last few years of reporting. The current year's Total Revenue is expected to grow to about 211.1 M, whereas Depreciation And Amortization is forecasted to decline to about 4.6 M.

Enterprise Bancorp Company Z Score Analysis

Enterprise Bancorp's Z-Score is a simple linear, multi-factor model that measures the financial health and economic stability of a company. The score is used to predict the probability of a firm going into bankruptcy within next 24 months or two fiscal years from the day stated on the accounting statements used to calculate it. The model uses five fundamental business ratios that are weighted according to algorithm of Professor Edward Altman who developed it in the late 1960s at New York University..

Z Score

Sum Of

5 Factors

More About Z Score | All Equity Analysis

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

Enterprise Z Score Driver Correlations

Understanding the fundamental principles of building solid financial models for Enterprise Bancorp is extremely important. It helps to project a fair market value of Enterprise Stock properly, considering its historical fundamentals such as Z Score. Since Enterprise Bancorp's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Enterprise Bancorp's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Enterprise Bancorp's interrelated accounts and indicators.

	Total Assets	Total Stockholder Equity	Net Debt	Retained Earnings	Net Receivables	Total Liab	Total Current Assets	Short Term Debt	Common Stock	Good Will	Accounts Payable	Long Term Debt	Intangible Assets	Property Plant Equipment	Short Term Investments	Net Tangible Assets	Long Term Debt Total	Capital Surpluse	Long Term Investments	Short Long Term Debt	Earning Assets	Net Invested Capital	Capital Stock	Current Deferred Revenue
Total Assets		0.97	-0.19	0.98	0.96	1.0	0.11	-0.2	0.65	-0.69	-0.54	0.73	0.47	0.81	0.33	0.89	0.86	0.89	-0.05	-0.71	0.88	0.77	0.68	0.85
Total Stockholder Equity	0.97		-0.16	0.93	0.92	0.97	0.11	-0.11	0.71	-0.71	-0.59	0.71	0.52	0.84	0.27	0.93	0.79	0.89	0.09	-0.68	0.88	0.83	0.6	0.75
Net Debt	-0.19	-0.16		-0.06	0.0	-0.19	-0.56	0.42	-0.19	-0.21	0.04	-0.03	-0.08	-0.51	-0.91	-0.31	-0.26	-0.14	0.01	0.26	-0.16	-0.02	0.23	-0.36
Retained Earnings	0.98	0.93	-0.06		0.98	0.98	-0.04	-0.21	0.57	-0.71	-0.48	0.74	0.41	0.72	0.18	0.84	0.87	0.86	-0.13	-0.72	0.87	0.78	0.77	0.85
Net Receivables	0.96	0.92	0.0	0.98		0.96	-0.1	-0.22	0.51	-0.66	-0.41	0.77	0.34	0.65	0.13	0.84	0.89	0.86	-0.06	-0.69	0.88	0.79	0.77	0.85
Total Liab	1.0	0.97	-0.19	0.98	0.96		0.11	-0.21	0.64	-0.69	-0.53	0.73	0.46	0.8	0.33	0.89	0.86	0.88	-0.06	-0.71	0.88	0.77	0.68	0.85
Total Current Assets	0.11	0.11	-0.56	-0.04	-0.1	0.11		-0.1	0.45	-0.14	-0.41	-0.3	0.42	0.33	0.77	0.09	-0.04	0.08	0.23	-0.05	-0.1	-0.3	-0.31	0.0
Short Term Debt	-0.2	-0.11	0.42	-0.21	-0.22	-0.21	-0.1		0.19	-0.06	-0.21	-0.13	0.21	-0.15	-0.33	-0.15	-0.55	-0.09	0.14	0.55	-0.16	-0.2	-0.34	-0.57
Common Stock	0.65	0.71	-0.19	0.57	0.51	0.64	0.45	0.19		-0.73	-0.9	0.32	0.94	0.72	0.38	0.62	0.3	0.65	0.14	-0.32	0.54	0.3	0.02	0.29
Good Will	-0.69	-0.71	-0.21	-0.71	-0.66	-0.69	-0.14	-0.06	-0.73		0.88	-0.42	-0.76	-0.45	0.02	-0.42	-0.45	-0.46	0.02	0.37	-0.4	-0.45	-0.56	-0.4
Accounts Payable	-0.54	-0.59	0.04	-0.48	-0.41	-0.53	-0.41	-0.21	-0.9	0.88		-0.21	-0.94	-0.51	-0.23	-0.36	-0.2	-0.37	-0.12	0.21	-0.28	-0.21	-0.14	-0.18
Long Term Debt	0.73	0.71	-0.03	0.74	0.77	0.73	-0.3	-0.13	0.32	-0.42	-0.21		0.16	0.5	0.01	0.68	0.72	0.69	-0.42	-0.3	0.7	0.69	0.58	0.69
Intangible Assets	0.47	0.52	-0.08	0.41	0.34	0.46	0.42	0.21	0.94	-0.76	-0.94	0.16		0.56	0.24	0.38	0.15	0.42	0.08	-0.18	0.33	0.15	-0.06	0.14
Property Plant Equipment	0.81	0.84	-0.51	0.72	0.65	0.8	0.33	-0.15	0.72	-0.45	-0.51	0.5	0.56		0.55	0.9	0.62	0.81	0.0	-0.59	0.81	0.67	0.23	0.66
Short Term Investments	0.33	0.27	-0.91	0.18	0.13	0.33	0.77	-0.33	0.38	0.02	-0.23	0.01	0.24	0.55		0.37	0.3	0.27	0.08	-0.3	0.21	-0.05	-0.16	0.39
Net Tangible Assets	0.89	0.93	-0.31	0.84	0.84	0.89	0.09	-0.15	0.62	-0.42	-0.36	0.68	0.38	0.9	0.37		0.76	0.94	0.11	-0.68	0.95	0.81	0.4	0.75
Long Term Debt Total	0.86	0.79	-0.26	0.87	0.89	0.86	-0.04	-0.55	0.3	-0.45	-0.2	0.72	0.15	0.62	0.3	0.76		0.71	-0.11	-0.74	0.78	0.77	0.75	0.99
Capital Surpluse	0.89	0.89	-0.14	0.86	0.86	0.88	0.08	-0.09	0.65	-0.46	-0.37	0.69	0.42	0.81	0.27	0.94	0.71		0.0	-0.63	0.95	0.69	0.42	0.69
Long Term Investments	-0.05	0.09	0.01	-0.13	-0.06	-0.06	0.23	0.14	0.14	0.02	-0.12	-0.42	0.08	0.0	0.08	0.11	-0.11	0.0		-0.22	0.0	0.09	-0.22	-0.18
Short Long Term Debt	-0.71	-0.68	0.26	-0.72	-0.69	-0.71	-0.05	0.55	-0.32	0.37	0.21	-0.3	-0.18	-0.59	-0.3	-0.68	-0.74	-0.63	-0.22		-0.69	-0.66	-0.56	-0.73
Earning Assets	0.88	0.88	-0.16	0.87	0.88	0.88	-0.1	-0.16	0.54	-0.4	-0.28	0.7	0.33	0.81	0.21	0.95	0.78	0.95	0.0	-0.69		0.81	0.48	0.77
Net Invested Capital	0.77	0.83	-0.02	0.78	0.79	0.77	-0.3	-0.2	0.3	-0.45	-0.21	0.69	0.15	0.67	-0.05	0.81	0.77	0.69	0.09	-0.66	0.81		0.66	0.72
Capital Stock	0.68	0.6	0.23	0.77	0.77	0.68	-0.31	-0.34	0.02	-0.56	-0.14	0.58	-0.06	0.23	-0.16	0.4	0.75	0.42	-0.22	-0.56	0.48	0.66		0.71
Current Deferred Revenue	0.85	0.75	-0.36	0.85	0.85	0.85	0.0	-0.57	0.29	-0.4	-0.18	0.69	0.14	0.66	0.39	0.75	0.99	0.69	-0.18	-0.73	0.77	0.72	0.71

Click cells to compare fundamentals

To calculate a Z-Score, one would need to know a company's current working capital, its total assets and liabilities, and the amount of its latest earnings as well as earnings before interest and tax. Z-Scores can be used to compare the odds of bankruptcy of companies in a similar line of business or firms operating in the same industry. Companies with Z-Scores above 3.1 are generally considered to be stable and healthy with a low probability of bankruptcy. Scores that fall between 1.8 and 3.1 lie in a so-called 'grey area,' with scores of less than 1 indicating the highest probability of distress. Z Score is a used widely measure by financial auditors, accountants, money managers, loan processors, wealth advisers, and day traders. In the last 25 years, many financial models that utilize z-scores proved it to be successful as a predictor of corporate bankruptcy.

Competition

Predict Enterprise Bancorp

According to the company's disclosures, Enterprise Bancorp has a Z Score of 0.0. This is 100.0% lower than that of the Banks sector and about the same as Financials (which currently averages 0.0) industry. The z score for all United States stocks is 100.0% higher than that of the company.

Enterprise Bancorp Current Valuation Drivers

We derive many important indicators used in calculating different scores of Enterprise Bancorp from analyzing Enterprise Bancorp's financial statements. These drivers represent accounts that assess Enterprise Bancorp's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of Enterprise Bancorp's important valuation drivers and their relationship over time.

	2019	2020	2021	2022	2023	2024 (projected)
Market Cap	399.3M	304.0M	539.3M	427.2M	394.3M	208.8M
Enterprise Value	464.7M	146.3M	190.8M	246.5M	447.4M	469.8M

Enterprise Bancorp Institutional Holders

Institutional Holdings refers to the ownership stake in Enterprise Bancorp that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of Enterprise Bancorp's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Enterprise Bancorp's value.

		Shares
Bridgeway Capital Management, Llc	2023-12-31	86.6 K
Advisory Services Network, Llc	2023-12-31	85.3 K
Morgan Stanley - Brokerage Accounts	2023-12-31	54.1 K
Empowered Funds, Llc	2023-12-31	47.2 K
Goldman Sachs Group Inc	2023-12-31	41.8 K
Bhz Capital Management, Lp.	2023-12-31	37.3 K
Bank Of New York Mellon Corp	2023-12-31	36.5 K
Panagora Asset Management Inc	2023-12-31	36 K
Foster Dykema Cabot & Co Inc	2023-09-30	31.3 K
Blackrock Inc	2023-12-31	783.2 K
Vanguard Group Inc	2023-12-31	434.7 K

Enterprise Fundamentals

	Return On Equity	0.11
	Return On Asset	0.0079
	Profit Margin	0.22 %
	Operating Margin	0.30 %
	Current Valuation	306.23 M
	Shares Outstanding	12.28 M
	Shares Owned By Insiders	20.14 %
	Shares Owned By Institutions	31.23 %
	Number Of Shares Shorted	32.81 K
	Price To Earning	10.00 X
	Price To Book	0.87 X
	Price To Sales	1.78 X
	Revenue	201.05 M
	Gross Profit	164.46 M
	EBITDA	51.24 M
	Net Income	38.06 M
	Cash And Equivalents	413.69 M
	Cash Per Share	34.46 X
	Total Debt	109.71 M
	Debt To Equity	11.67 %
	Book Value Per Share	26.94 X
	Cash Flow From Operations	57.32 M
	Short Ratio	0.79 X
	Earnings Per Share	3.11 X
	Number Of Employees	570
	Beta	0.59
	Market Capitalization	304.51 M
	Total Asset	4.47 B
	Retained Earnings	301.38 M
	Annual Yield	0.04 %
	Five Year Return	2.13 %
	Net Asset	4.47 B
	Last Dividend Paid	0.69

About Enterprise Bancorp Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze Enterprise Bancorp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Enterprise Bancorp using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Enterprise Bancorp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.

Please read more on our fundamental analysis page.

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.

Moving together with Enterprise Stock

0.74	AX	Axos Financial Earnings Call This Week	Pair Corr
0.74	BY	Byline Bancorp Normal Trading	Pair Corr

Moving against Enterprise Stock

0.84	TECTP	Tectonic Financial	Pair Corr
0.78	CFG-PD	Citizens Financial	Pair Corr
0.7	NU	Nu Holdings Aggressive Push	Pair Corr
0.49	KB	KB Financial Group Financial Report 20th of May 2024	Pair Corr
0.47	RF	Regions Financial Financial Report 19th of July 2024	Pair Corr

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 Correlation Correlation 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:

How To Invest In Enterprise

Details

Is Enterprise Stock a good investment?

Details

What is Enterprise Bancorp's Net Worth?

Details

Largest Banks - Regional Companies

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Largest Financial Services Companies

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Check out Enterprise Bancorp Piotroski F Score and Enterprise Bancorp Valuation analysis.

For information on how to trade Enterprise Stock refer to our How to Trade Enterprise Stock guide.

You can also try the AI Portfolio Architect module to use AI to generate optimal portfolios and find profitable investment opportunities.

Complementary Tools for Enterprise Stock analysis

When running Enterprise Bancorp's price analysis, check to measure Enterprise Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Enterprise Bancorp is operating at the current time. Most of Enterprise Bancorp's value examination focuses on studying past and present price action to predict the probability of Enterprise Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Enterprise Bancorp's price. Additionally, you may evaluate how the addition of Enterprise Bancorp to your portfolios can decrease your overall portfolio volatility.

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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

(0.22)

Dividend Share

0.69

Earnings Share

3.11

Revenue Per Share

13.013

Quarterly Revenue Growth

(0.05)

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.

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Enterprise Bancorp Stock Z Score

Enterprise Bancorp Company Z Score Analysis

Z Score

Sum Of

5 Factors

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

Enterprise Z Score Driver Correlations

Enterprise Bancorp Current Valuation Drivers

Enterprise Bancorp Institutional Holders

Enterprise Fundamentals

About Enterprise Bancorp Fundamental Analysis

Pair Trading with Enterprise Bancorp

Moving together with Enterprise Stock

Moving against Enterprise Stock

Complementary Tools for Enterprise Stock analysis

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