ENTERPRISE BANCORP INC /MA/
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SEC XBRL · annual| FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $38.7M | $38.1M | $42.7M | $42.2M | $31.5M | $34.2M |
| Total assets | $4.83B | $4.47B | $4.44B | $4.45B | $4.01B | $3.24B |
| Total liabilities | $4.47B | $4.14B | $4.16B | $4.10B | $3.68B | $2.94B |
| Equity | $360.7M | $329.1M | $282.3M | $346.9M | $334.4M | $296.6M |
| EPS (diluted) | $3.12 | $3.11 | $3.52 | $3.50 | $2.64 | $2.89 |
| Shares out. | 12.3M | 12.1M | 12.1M | 12.0M | 11.8M | 11.7M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2024- Operating margin
- —
- Net margin
- —
- Return on equity
- 10.7%
- Return on assets
- 0.8%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 92.5%
- Debt / equity
- 12.38×
- Book value / share
- $29.38
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 1.8%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2024- Accruals / assets
- −0.2%clean
- Piotroski F-Score
- 4/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 warning● 2 good- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Blackrock, Inc.Passive (13G)Apr 17, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Szablak Chester J JrOfficer — EVP - Principal Subsidiary | Jul 1, 2025 | Tax withholding | 1,237 | $39.64 |
| Main Richard WOfficer — President | Jul 1, 2025 | Tax withholding | 2,147 | $39.64 |
| Lynch DavidOfficer — EVP - Principal Subsidiary | Jul 1, 2025 | Tax withholding | 2,299 | $39.64 |
| Lussier Joseph ROfficer — EVP & CFO | Jul 1, 2025 | Tax withholding | 1,062 | $39.64 |
| Larochelle Steven ROfficer — CEO | Jul 1, 2025 | Tax withholding | 5,372 | $39.64 |
| Lally-Mcgurl MeaghanOfficer — EVP - Principal Subsidiary | Jul 1, 2025 | Tax withholding | 678 | $39.64 |
| Gabriel Jamie LOfficer — EVP- Principal Subsidiary | Jul 1, 2025 | Tax withholding | 1,111 | $39.64 |
| Duncan George LOfficer — Chairman | Jul 1, 2025 | Tax withholding | 3,437 | $39.64 |
| Covey SusanOfficer — EVP-Principal Subsidiary | Jul 1, 2025 | Tax withholding | 1,099 | $39.64 |
| Collins Brian MichaelOfficer — EVP-Principal Subsidiary | Jul 1, 2025 | Tax withholding | 1,237 | $39.64 |
| Bullock Brian HOfficer — EVP - Principal Subsidiary | Jul 1, 2025 | Tax withholding | 1,237 | $39.64 |
| Moloney Jacqueline FDirector | Jul 1, 2025 | D | 25,718 | — |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| Jun 30, 2025 | 130,222 | 4.3 | +17.2% |
| Jun 13, 2025 | 111,089 | 5.9 | +8.3% |
| May 30, 2025 | 102,533 | 5.2 | +1.9% |
| May 15, 2025 | 100,651 | 4.1 | -5.0% |
| Apr 30, 2025 | 105,981 | 5.1 | +4.5% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Amended charter or bylawsJul 1, 2025
- Other material eventJun 4, 2025
- Shareholder voteMay 7, 2025
- Results of operationsApr 17, 2025
- Other material eventApr 15, 2025
- Shareholder voteApr 4, 2025
- Other material eventMar 25, 2025
- Director / officer changeMar 24, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- 15-12GJul 11, 2025
- 13F-NTJul 9, 2025
- EFFECTJul 1, 2025
- EFFECTJul 1, 2025
- 4PRIMARY DOCUMENTJul 1, 2025
- 4PRIMARY DOCUMENTJul 1, 2025
- 4PRIMARY DOCUMENTJul 1, 2025
- 4PRIMARY DOCUMENTJul 1, 2025
- 4PRIMARY DOCUMENTJul 1, 2025
- 4PRIMARY DOCUMENTJul 1, 2025
- 4PRIMARY DOCUMENTJul 1, 2025
- 4PRIMARY DOCUMENTJul 1, 2025
- 4PRIMARY DOCUMENTJul 1, 2025
- 4PRIMARY DOCUMENTJul 1, 2025
- 4PRIMARY DOCUMENTJul 1, 2025
Event-driven situations (1)
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