Enterprise Bancorp Inc (EBTC) — Cash Flow Quality Index
Enterprise Bancorp Inc (EBTC) has a Cash Flow Quality Index of 0.52x as of March 2025. Operating cash flow of $5.39 Million is below net income of $10.44 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore Enterprise Bancorp Inc debt service capacity to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Enterprise Bancorp Inc Cash Flow Quality Index (1996–2024)
Historical Cash Flow Quality Index for Enterprise Bancorp Inc across 29 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see Enterprise Bancorp Inc (EBTC) cash conversion ratio.
Annual Cash Flow Quality Index for Enterprise Bancorp Inc (1996–2024)
Year-by-year earnings quality comparison for Enterprise Bancorp Inc.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2024 | 1.21x | $46.70 Million | $38.73 Million | ▼ -19.7% |
| 2023 | 1.50x | $57.16 Million | $38.06 Million | ▲ +33.7% |
| 2022 | 1.12x | $48.00 Million | $42.72 Million | ▼ -23.9% |
| 2021 | 1.48x | $62.23 Million | $42.17 Million | ▲ +15.1% |
| 2020 | 1.28x | $40.34 Million | $31.46 Million | ▲ +0.5% |
| 2019 | 1.28x | $43.62 Million | $34.20 Million | ▼ -11.9% |
| 2018 | 1.45x | $41.80 Million | $28.88 Million | ▼ -26.0% |
| 2017 | 1.96x | $37.93 Million | $19.39 Million | ▲ +34.2% |
| 2016 | 1.46x | $27.32 Million | $18.75 Million | ▼ -8.5% |
| 2015 | 1.59x | $25.72 Million | $16.15 Million | ▲ +77.6% |
| 2014 | 0.90x | $13.14 Million | $14.65 Million | ▼ -66.1% |
| 2013 | 2.64x | $35.78 Million | $13.53 Million | ▲ +134.5% |
| 2012 | 1.13x | $13.96 Million | $12.38 Million | ▼ -39.7% |
| 2011 | 1.87x | $20.45 Million | $10.94 Million | ▲ +64.7% |
| 2010 | 1.13x | $12.08 Million | $10.64 Million | ▼ -36.2% |
| 2009 | 1.78x | $14.14 Million | $7.95 Million | ▼ -6.9% |
| 2008 | 1.91x | $10.61 Million | $5.55 Million | ▲ +132.2% |
| 2007 | 0.82x | $8.15 Million | $9.90 Million | ▼ -51.5% |
| 2006 | 1.70x | $15.68 Million | $9.23 Million | ▼ -24.2% |
| 2005 | 2.24x | $18.85 Million | $8.41 Million | ▲ +147.7% |
| 2004 | 0.90x | $6.79 Million | $7.51 Million | ▼ -48.6% |
| 2003 | 1.76x | $12.22 Million | $6.95 Million | ▲ +186.1% |
| 2002 | 0.62x | $3.88 Million | $6.31 Million | ▼ -65.5% |
| 2001 | 1.79x | $8.76 Million | $4.90 Million | ▲ +11.6% |
| 2000 | 1.60x | $5.76 Million | $3.60 Million | ▲ +143.1% |
| 1999 | 0.66x | $2.69 Million | $4.08 Million | ▼ -58.2% |
| 1998 | 1.57x | $5.51 Million | $3.50 Million | ▲ +7.7% |
| 1997 | 1.46x | $4.26 Million | $2.91 Million | ▼ -6.3% |
| 1996 | 1.56x | $3.76 Million | $2.41 Million | — |