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Definitive Analysis

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Enterprise Bancorp, Inc. (EBTC)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$91.48 - $320.41$151.17
Multi-Stage$58.64 - $64.09$61.32
Blended Fair Value$106.24
Current Price$38.93
Upside172.90%
DecisionBuy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018201720162015
DPS10.04%7.79%0.830.780.680.610.570.510.440.380.460.41
YoY Growth--5.58%14.24%11.72%7.35%11.52%17.05%14.66%-16.48%10.20%6.28%
Dividend Yield--2.12%3.09%2.18%1.53%1.76%1.90%1.47%1.08%1.31%1.58%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)40.66
(-) Cash Dividends Paid (M)10.84
(=) Cash Retained (M)29.82
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)8.135.083.05
Cash Retained (M)29.8229.8229.82
(-) Cash Required (M)-8.13-5.08-3.05
(=) Excess Retained (M)21.6924.7426.77
(/) Shares Outstanding (M)12.4512.4512.45
(=) Excess Retained per Share1.741.992.15
LTM Dividend per Share0.870.870.87
(+) Excess Retained per Share1.741.992.15
(=) Adjusted Dividend2.612.863.02
WACC / Discount Rate8.51%8.51%8.51%
Growth Rate5.50%6.50%7.50%
Fair Value$91.48$151.17$320.41
Upside / Downside134.99%288.30%723.05%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)40.6643.3046.1249.1252.3155.7157.38
Payout Ratio26.66%39.33%52.00%64.66%77.33%90.00%92.50%
Projected Dividends (M)10.8417.0323.9831.7640.4550.1453.08

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate8.51%8.51%8.51%
Growth Rate5.50%6.50%7.50%
Year 1 PV (M)15.5515.7015.84
Year 2 PV (M)19.9820.3720.75
Year 3 PV (M)24.1624.8625.56
Year 4 PV (M)28.0929.1730.29
Year 5 PV (M)31.7933.3234.92
PV of Terminal Value (M)610.30639.78670.38
Equity Value (M)729.87763.19797.74
Shares Outstanding (M)12.4512.4512.45
Fair Value$58.64$61.32$64.09
Upside / Downside50.63%57.50%64.63%

High-Yield Dividend Screener

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