Enterprise Bancorp Inc EBTC

Competitive advantage analysis · financial-services

Bank Specialized
Overall moat score
49/100
Developing

Ranked against 399 peers in Banks - Regional

Key strengths

  • Diversified Revenue Streams Revenue diversification is evident (growth stability 0.77).

Key risks

  • Operational Inefficiency Operational efficiency lags peers (score 0.19).
  • Weak Net Interest Margin Net interest margin proxy is weak (score 0.19).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Moderate
56
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Where EBTC ranks in Banks - Regional

Enterprise Bancorp Inc ranks #203 of 393 scored companies in Banks - Regional by moat score — the top 52%. The widest moat in the group is 1st Source Corporation (SRCE) at 86/100.

# Company Moat score Rating
199 Heritage Commerce Corp HTBK 49/100 Developing
200 ACNB Corporation ACNB 49/100 Developing
201 OP Bancorp OPBK 49/100 Developing
202 Eagle Bancorp Montana, Inc. EBMT 49/100 Developing
203 Enterprise Bancorp Inc EBTC 49/100 Developing
204 LINKBANCORP, Inc. LNKB 48/100 Developing
205 First US Bancshares, Inc. FUSB 48/100 Developing
206 United Security Bancshares UBFO 48/100 Developing
207 LCNB Corporation LCNB 48/100 Developing

See every Banks & Lenders company ranked by moat score →

How EBTC scores on the Bank Specialized defenses

Deposit Franchise

Score 56 · 22% of the moat score

A deposit franchise is the cheapest and most valuable thing a bank can own.

Lending Advantage

Score 37 · 18% of the moat score

Lending advantage is the ability to originate loans at attractive spreads without buying that volume with looser credit standards.

Capital Strength

Score 45 · 20% of the moat score

Capital is the buffer between loan losses and insolvency, and it is what regulators judge a bank on first.

Cost Discipline

Score 29 · 16% of the moat score

Banking carries high fixed costs in branches, compliance and technology, so what it costs to run the bank relative to what the bank earns is a genuine competitive variable.

Revenue Diversification

Score 75 · 14% of the moat score

A bank earning everything from net interest income is a leveraged bet on the rate cycle.

Risk Management

Score 64 · 10% of the moat score

Risk management is the defense that only reveals itself late.

How each Bank Specialized defense is measured, in full →

Understanding EBTC's moat

What is Enterprise Bancorp Inc's moat score?

Enterprise Bancorp Inc (EBTC) scores 49 out of 100 on the StatsAlpha Moat Map, which rates its competitive advantage as developing. It ranks #203 of 393 scored companies in Banks - Regional, the top 52%. The score is a weighted composite of 6 competitive defenses, each measured against industry peers of 399 companies in Banks - Regional. Its strongest defense is Revenue Diversification (75/100) and its weakest is Cost Discipline (29/100).

How does Enterprise Bancorp Inc compare with other Banks - Regional companies?

Enterprise Bancorp Inc ranks #203 of 393 scored companies in Banks - Regional by moat score. The widest moat in Banks - Regional is 1st Source Corporation (SRCE) at 86/100. The companies ranked closest are Eagle Bancorp Montana, Inc. (EBMT) at 49 just above it and LINKBANCORP, Inc. (LNKB) at 48 just below it.

How is the moat score calculated?

Each company is scored with an industry-specific template — Bank Specialized in this case, chosen because the defenses that matter to a bank are not the ones that matter to a software company. Every defense combines several financial signals, and each signal is measured as a percentile against a peer group of 399 companies in Banks - Regional. The defenses are then weighted to produce the overall score out of 100.

Why is Enterprise Bancorp Inc scored with the Bank Specialized template?

A bank does not sell a product at a margin. It funds itself, lends at a spread, and books profits that remain an estimate until the loans are actually repaid. That makes the usual margin-and-return questions misleading, so the Bank template scores what really determines a bank's durability: where its funding comes from, what it lends against, how much capital stands behind it, and whether it has been pricing risk honestly.

Which competitive defenses are measured for Enterprise Bancorp Inc?

The Bank Specialized template measures 6 defenses, and EBTC scores: Deposit Franchise (56), Lending Advantage (37), Capital Strength (45), Cost Discipline (29), Revenue Diversification (75), Risk Management (64). Each is scored independently as a percentile against peers, so a company can be strong on one and weak on another — the overall score reflects how those defenses are weighted for this industry.

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