Normand Deschene - Enterprise Bancorp Director
| EBTC Stock | USD 23.50 0.18 0.76% |
Director
Mr. Normand E. Deschene serves as Director of Enterprise Bancorp Inc. He is Former Chief Executive Officer of Wellforce prior to 2019, Chief Executive Officer of Wellforce, an integrated health care company serving as the parent of Circle Health, Tufts Medical Center and Hallmark Health prior to January 2017, President and Chief Executive Officer of Wellforce and Chief Executive Officer of Circle Health and Lowell General Hospital, an independent, notforprofit hospital serving the Greater Lowell area in Massachusetts. Mr. Deschenes 41 years of management experience in health care management, including the management of over 12, 000 employees, provides him with a depth of skills relating to operational efficiencies, new technologies, business development, marketing, personnel and strategic planning. These skills, along with his deep local and regional community and industry involvement, facilitate Board discussions and the Boards decisionmaking process. since 2011.
| Age | 63 |
| Tenure | 13 years |
| Address | 222 Merrimack Street, Lowell, MA, United States, 01852 |
| Phone | 978 459 9000 |
| Web | https://www.enterprisebanking.com |
Enterprise Bancorp Management Efficiency
At present, Enterprise Bancorp's Return On Assets are projected to increase slightly based on the last few years of reporting. The current year's Return On Equity is expected to grow to 0.12, whereas Return On Capital Employed is forecasted to decline to 0.02. At present, Enterprise Bancorp's Non Current Assets Total are projected to increase significantly based on the last few years of reporting. The current year's Non Currrent Assets Other is expected to grow to about 4.5 B, whereas Total Current Assets are forecasted to decline to about 73.5 M. Enterprise Bancorp's management efficiency ratios could be used to measure how well Enterprise Bancorp manages its routine affairs as well as how well it operates its assets and liabilities.Similar Executives
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Management Performance
| Return On Equity | 0.12 | ||||
| Return On Asset | 0.0086 |
Enterprise Bancorp Leadership Team
Elected by the shareholders, the Enterprise Bancorp's board of directors comprises two types of representatives: Enterprise Bancorp inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Enterprise. The board's role is to monitor Enterprise Bancorp's management team and ensure that shareholders' interests are well served. Enterprise Bancorp's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Enterprise Bancorp's outside directors are responsible for providing unbiased perspectives on the board's policies.
| Chester Szablak, Executive Vice President and Chief Sales and Marketing Officer of the Bank | ||
| Philip Esq, General Counsel | ||
| Brian Collins, Executive Vice President Director of Operations of the Bank; | ||
| CPA CFP, MDWealth Co | ||
| Peter Rayno, Executive Vice President Lead Director | ||
| George Duncan, Executive Chairman, Member of Executive Committee, Member of Enterprise Investment Advisory (EIA) Committee, Member of Asset-Liability Committee, Member of Marketing and Bus. Devel. Committee, Member of Strategic Planning Committee and Chairman of Enterprise Bank | ||
| Michael Putziger, Director | ||
| Ken Ansin, Director | ||
| Richard Main, President, Director, Chairman of Executive Committee, Member of Asset-Liability Committee, Member of Strategic Planning Committee, Member of Marketing and Bus. Devel. Committee, Member of Enterprise Investment Advisory (EIA) Committee, Member of Loan Committee, Member of Banking Technology Steering Committee and President of Enterprise Bank and Trust Company and Director of Enterprise Bank and Trust Company | ||
| James Conway, Independent Director | ||
| Joseph Lerner, Director | ||
| Normand Deschene, Director | ||
| John Grady, Independent Director | ||
| Ryan Dunn, Executive Vice President and Regional Commercial Lending Manager | ||
| Arnold Lerner, Vice Chairman, Chairman of Corporate Governance/Nominating Committee, Member of Executive Committee, Member of Compensation Committee, Member of Asset-Liability Committee, Member of Enterprise Investment Advisory (EIA) Committee and Vice Chairman - Enterprise Bank and Trust Company | ||
| Diane Silva, Executive Vice President and Mortgage Lending Director of the Bank | ||
| Kenneth Ansin, Director | ||
| Dwight Feeney, Senior Officer | ||
| Marlene Hoyt, Executive Vice President Construction Lending Director | ||
| Michael Gallagher, Executive Vice President Chief Risk Officer | ||
| Keith Soucie, Executive Vice President and CIO of the Bank | ||
| Gino Baroni, Independent Director | ||
| Robert Gilman, EVP Co | ||
| John Clementi, Independent Director | ||
| James Marcotte, CFO, Executive VP, Treasurer, CFO of Enterprise Bank and Trust Company, Executive VP of Enterprise Bank and Trust Company and Treasurer of Enterprise Bank and Trust Company | ||
| Stephen Irish, Executive Vice President COO of the Bank | ||
| Michael Spinelli, Secretary, Director, Member of Asset-Liability Committee, Member of Marketing and Bus. Devel. Committee, Member of Banking Technology Steering Committee, Member of Enterprise Investment Advisory (EIA) Committee, Secretary of Enterprise Bank and Trust Company and Director of Enterprise Bank and Trust Company | ||
| Carol Reid, Independent Director | ||
| Susan Covey, Executive Vice President Director | ||
| Joseph Lussier, CFO VP | ||
| Mary King, Director | ||
| Brian Bullock, Executive Vice President and Chief Commercial Lending Officer of the Bank | ||
| Luis Pedroso, Director | ||
| John Koutsos, Secretary Director | ||
| Carole Cowan, Independent Director | ||
| Shelagh Mahoney, Director | ||
| Jamie Gabriel, Chief Human Resource Officer, Executive Vice President | ||
| Susan Rossini, Senior Management | ||
| Jacqueline Moloney, Independent Director | ||
| Eric Hanson, Assistant Secretary, Director, Chairman of Loan Committee, Member of Executive Committee, Member of Compensation Committee, Assistant Secretary of Enterprise Bank and Trust Company and Director of Enterprise Bank and Trust Company | ||
| John Clancy, CEO, Director, Member of Executive Committee, Member of Asset-Liability Committee, Member of Strategic Planning Committee, Member of Banking Technology Steering Committee, Member of Enterprise Investment Advisory (EIA) Committee, Member of Loan Committee and CEO of Enterprise Bank and Trust Company, Director of Enterprise Bank and Trust Company | ||
| Steven Larochelle, Executive Vice President and Chief Banking Officer of the Bank | ||
| Janice Villanucci, Executive Vice President and Deposit Services Director of the Bank |
Enterprise Stock Performance Indicators
The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is Enterprise Bancorp a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.
| Return On Equity | 0.12 | ||||
| Return On Asset | 0.0086 | ||||
| Profit Margin | 0.24 % | ||||
| Operating Margin | 0.31 % | ||||
| Current Valuation | 339.43 M | ||||
| Shares Outstanding | 12.28 M | ||||
| Shares Owned By Insiders | 20.14 % | ||||
| Shares Owned By Institutions | 31.20 % | ||||
| Number Of Shares Shorted | 28.78 K | ||||
| Price To Earning | 10.00 X |
Pair Trading with Enterprise Bancorp
One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Enterprise Bancorp position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Enterprise Bancorp will appreciate offsetting losses from the drop in the long position's value.Moving together with Enterprise Stock
| 0.76 | AX | Axos Financial Financial Report 25th of April 2024 | PairCorr |
| 0.81 | BY | Byline Bancorp Earnings Call Next Week | PairCorr |
| 0.63 | PB | Prosperity Bancshares Earnings Call This Week | PairCorr |
Moving against Enterprise Stock
| 0.84 | DB | Deutsche Bank AG Earnings Call This Week | PairCorr |
| 0.83 | TECTP | Tectonic Financial | PairCorr |
| 0.79 | CFG-PD | Citizens Financial | PairCorr |
| 0.65 | WF | Woori Financial Group Financial Report 21st of May 2024 | PairCorr |
| 0.64 | KB | KB Financial Group Earnings Call This Week | PairCorr |
The ability to find closely correlated positions to Enterprise Bancorp could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Enterprise Bancorp when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Enterprise Bancorp - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Enterprise Bancorp to buy it.
The correlation of Enterprise Bancorp is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Enterprise Bancorp moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Enterprise Bancorp moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for Enterprise Bancorp can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in Enterprise Bancorp. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in estimate. For information on how to trade Enterprise Stock refer to our How to Trade Enterprise Stock guide.You can also try the Stock Screener module to find equities using a custom stock filter or screen asymmetry in trading patterns, price, volume, or investment outlook..
Complementary Tools for Enterprise Stock analysis
When running Enterprise Bancorp's price analysis, check to measure Enterprise Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Enterprise Bancorp is operating at the current time. Most of Enterprise Bancorp's value examination focuses on studying past and present price action to predict the probability of Enterprise Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Enterprise Bancorp's price. Additionally, you may evaluate how the addition of Enterprise Bancorp to your portfolios can decrease your overall portfolio volatility.
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Is Enterprise Bancorp's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Enterprise Bancorp. If investors know Enterprise will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Enterprise Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.36) | Dividend Share 0.92 | Earnings Share 3.11 | Revenue Per Share 13.208 | Quarterly Revenue Growth (0.11) |
The market value of Enterprise Bancorp is measured differently than its book value, which is the value of Enterprise that is recorded on the company's balance sheet. Investors also form their own opinion of Enterprise Bancorp's value that differs from its market value or its book value, called intrinsic value, which is Enterprise Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Enterprise Bancorp's market value can be influenced by many factors that don't directly affect Enterprise Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Enterprise Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if Enterprise Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Enterprise Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.