DDM Analysis: EBTC

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
Upside	172.90%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	10.04%	7.79%	0.83	0.78	0.68	0.61	0.57	0.51	0.44	0.38	0.46	0.41
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

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	8.13	5.08	3.05
Cash Retained (M)	29.82	29.82	29.82
(-) Cash Required (M)	-8.13	-5.08	-3.05
(=) Excess Retained (M)	21.69	24.74	26.77
(/) Shares Outstanding (M)	12.45	12.45	12.45
(=) Excess Retained per Share	1.74	1.99	2.15
LTM Dividend per Share	0.87	0.87	0.87
(+) Excess Retained per Share	1.74	1.99	2.15
(=) Adjusted Dividend	2.61	2.86	3.02
WACC / Discount Rate	8.51%	8.51%	8.51%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$91.48	$151.17	$320.41
Upside / Downside	134.99%	288.30%	723.05%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	40.66	43.30	46.12	49.12	52.31	55.71	57.38
Payout Ratio	26.66%	39.33%	52.00%	64.66%	77.33%	90.00%	92.50%
Projected Dividends (M)	10.84	17.03	23.98	31.76	40.45	50.14	53.08

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	8.51%	8.51%	8.51%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	15.55	15.70	15.84
Year 2 PV (M)	19.98	20.37	20.75
Year 3 PV (M)	24.16	24.86	25.56
Year 4 PV (M)	28.09	29.17	30.29
Year 5 PV (M)	31.79	33.32	34.92
PV of Terminal Value (M)	610.30	639.78	670.38
Equity Value (M)	729.87	763.19	797.74
Shares Outstanding (M)	12.45	12.45	12.45
Fair Value	$58.64	$61.32	$64.09
Upside / Downside	50.63%	57.50%	64.63%

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Enterprise Bancorp, Inc. (EBTC)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

High-Yield Dividend Screener