Enterprise Bancorp, Inc.

EBTCNASDAQFinancial Services

$39.64

$-0.30(-0.75%)

Market Cap$495832976

P/E Ratio—

52W High$44.41

52W Low$23.02

Avg Volume25K

Open$39.64

Beta0.73

Free Cash Flow Financials Revenue

Enterprise Bancorp, Inc. (EBTC) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

EBTC · free cash flow · updated Jun 9, 2026

Core FCF metrics

EBTC · FCF · TTM · margin & CAGR

Free cash flow was $44.1M for FY2024 (fiscal year ending 2024-12-31), down 13.8% year-over-year The FCF margin was 17.4%. Five-year CAGR stands at +7.2%.

FY2024 Free Cash Flow$44.1M▼ -13.8% YoY

Trailing 12M (TTM)$48.1Mtrailing 4 quarters sum

FCF Margin17.4%$44.1M ÷ revenue

3-Year CAGR-8.8%FY2021 → FY2024

5-Year CAGR+7.2%FY2019 → FY2024

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 9, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

EBTC · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2024Latest$46.7M(2M)$44.1M▼ 13.8%17.4%

FY2023$57.2M(6M)$51.1M▲ +18.5%23.4%

FY2022$48.0M(5M)$43.2M▼ 25.6%24.1%

FY2021$62.2M(4M)$58.0M▲ +72.5%34.7%

FY2020$40.3M(7M)$33.7M▲ +8.1%20.8%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

EBTC · P/FCF · FCF yield · FCF per share

Enterprise Bancorp, Inc. (EBTC) trades at a FCF yield of 4.61% and a price-to-free-cash-flow ratio of 10.2x. FCF per share stands at $3.88, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

4.61%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$3.88

TTM FCF ÷ Shares Outstanding

Price / FCF

x10.2

Share Price ÷ FCF per Share

EV / FCF (TTM)

x25.7

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2024 · 2024-12-31

Cash flow statement summary

EBTC · cash flow statement · operating / investing / financing

For FY2024, Enterprise Bancorp, Inc. generated $46.7M in operating cash flow and spent 2M in capital expenditures, yielding $44.1M in free cash flow.

Operating Activities

+$46.7M

Cash from core business operations

2024-12-31

Investing Activities

−$346.5M

CapEx, acquisitions & investments

2024-12-31

Financing Activities

+$327.3M

Buybacks, dividends & debt

2024-12-31

FCF FormulaOperating CF ($46.7M) − |CapEx| (2M) = FCF ($44.1M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

EBTC vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

Enterprise Bancorp, Inc.YOU

EBTC

$44.1M-13.8%17.4%

Berkshire Hathaway Inc.

BRK-B

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

Enterprise Bancorp, Inc. (EBTC) reported free cash flow of $44.1M for FY2024 (fiscal year ending 2024-12-31), down 13.8% year-over-year. The FCF margin was 17.4%.

Based on available data, Enterprise Bancorp, Inc. has maintained positive free cash flow for at least 15 fiscal year(s). FCF peaked at $58.0M in FY2021. The 5-year CAGR stands at +7.2%.

Enterprise Bancorp, Inc.'s FCF yield is 4.61% and price-to-FCF ratio is 10.2x for FY2024, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

EBTC free cash flow · 8 questions

Enterprise Bancorp, Inc. free cash flow was $44.1M for FY2024, down 13.8% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $48.1M.

EBTC free cash flowEBTC FCFEBTC FCF 2024EBTC free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · Enterprise Bancorp, Inc. · Enterprise Bancorp, Inc. SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 9, 2026