(EFSC) Enterprise Financial - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 2.220m USD | Total Return: 18.1% in 12m
Avg Turnover: 14.6M
EPS Trend: 0.6%
Qual. Beats: 0
Rev. Trend: 95.9%
Qual. Beats: 2
Warnings
Choppy
Tailwinds
No distinct edge detected
Enterprise Financial Services Corp (EFSC) is a financial holding company headquartered in Clayton, Missouri, operating primarily through Enterprise Bank & Trust. The firm provides comprehensive commercial banking and wealth management services across several states, including Arizona, California, Florida, Kansas, Missouri, Nevada, and New Mexico. Its portfolio includes diverse lending products such as commercial and industrial, real estate construction, and Small Business Administration (SBA) loans.
The company operates within the regional banking sector, which typically focuses on building localized relationships and capturing market share through specialized services like treasury management and tax credit brokerage. Regional banks often maintain a competitive advantage by offering customized fiduciary and advisory services that larger national institutions may overlook. EFSC further diversifies its revenue streams through life insurance premium finance and international trade services.
To gain a deeper understanding of the companys valuation and performance metrics, you may want to explore the data available on ValueRay. The firm also utilizes a suite of digital banking technologies, including remote deposit capture and automated payables, to serve its corporate and individual client base.
- Net interest margin sensitivity to Federal Reserve benchmark rate fluctuations
- Commercial real estate loan concentration impacts asset quality and loss provisions
- Expansion into high-growth Arizona and California markets drives loan volume
- Growth in non-interest income from wealth management and tax credit brokerage
- Deposit beta performance relative to regional banking competitors affects funding costs
| Net Income: 200.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.05 > 1.0 |
| NWC/Revenue: 26.27% < 20% (prev -1.37k%; Δ 1.40k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 212.0m > Net Income 200.8m |
| Net Debt (169.4m) to EBITDA (298.3m): 0.57 < 3 |
| Current Ratio: 33.80 > 1.5 & < 3 |
| Outstanding Shares: last quarter (37.2m) vs 12m ago -0.36% < -2% |
| Gross Margin: 70.18% > 18% (prev 0.63%; Δ 6.95k% > 0.5%) |
| Asset Turnover: 5.80% > 50% (prev 5.21%; Δ 0.60% > 0%) |
| Interest Coverage Ratio: 1.11 > 6 (EBITDA TTM 298.3m / Interest Expense TTM 256.4m) |
| A: 0.01 (Total Current Assets 258.5m - Total Current Liabilities 7.65m) / Total Assets 17.2b |
| B: 0.06 (Retained Earnings 1.04b / Total Assets 17.2b) |
| C: 0.02 (EBIT TTM 285.5m / Avg Total Assets 16.5b) |
| D: 0.06 (Book Value of Equity 959.8m / Total Liabilities 15.2b) |
| Altman-Z'' = 0.48 = B |
As of May 24, 2026, the stock is trading at USD 60.69 with a total of 192,635 shares traded.
Over the past week, the price has changed by +4.32%,
over one month by +5.68%,
over three months by +5.89% and
over the past year by +18.08%.
Enterprise Financial has received a consensus analysts rating of 4.25. Therefore, it is recommended to buy EFSC.
- StrongBuy: 2
- Buy: 1
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 65.8 | 8.4% |
P/E Forward = 12.1359
P/S = 3.2009
P/B = 1.1385
P/EG = 1.2277
Revenue TTM = 954.9m USD
EBIT TTM = 285.5m USD
EBITDA TTM = 298.3m USD
Long Term Debt = 413.1m USD (from longTermDebt, last quarter)
Short Term Debt = 7.65m USD (from shortTermDebt, last fiscal year)
Debt = 427.9m USD (from shortLongTermDebtTotal, last quarter) + Leases 14.8m
Net Debt = 169.4m USD (calculated: Debt 427.9m - CCE 258.5m)
Enterprise Value = 2.39b USD (2.22b + Debt 427.9m - CCE 258.5m)
Interest Coverage Ratio = 1.11 (Ebit TTM 285.5m / Interest Expense TTM 256.4m)
EV/FCF = 10.88x (Enterprise Value 2.39b / FCF TTM 219.6m)
FCF Yield = 9.19% (FCF TTM 219.6m / Enterprise Value 2.39b)
FCF Margin = 23.00% (FCF TTM 219.6m / Revenue TTM 954.9m)
Net Margin = 21.03% (Net Income TTM 200.8m / Revenue TTM 954.9m)
Gross Margin = 70.18% ((Revenue TTM 954.9m - Cost of Revenue TTM 284.7m) / Revenue TTM)
Gross Margin QoQ = 72.89% (prev 71.54%)
Tobins Q-Ratio = 0.14 (Enterprise Value 2.39b / Total Assets 17.2b)
Interest Expense / Debt = 59.91% (Interest Expense 256.4m / Debt 427.9m)
Taxrate = 21.47% (13.5m / 62.9m)
NOPAT = 224.2m (EBIT 285.5m * (1 - 21.47%))
Current Ratio = 0.02 (Total Current Assets 258.5m / Total Current Liabilities 11.6b)
Debt / Equity = 0.21 (Debt 427.9m / totalStockholderEquity, last quarter 2.02b)
Debt / EBITDA = 0.57 (Net Debt 169.4m / EBITDA 298.3m)
Debt / FCF = 0.77 (Net Debt 169.4m / FCF TTM 219.6m)
Total Stockholder Equity = 1.99b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.22% (Net Income 200.8m / Total Assets 17.2b)
RoE = 10.08% (Net Income TTM 200.8m / Total Stockholder Equity 1.99b)
RoCE = 11.87% (EBIT 285.5m / Capital Employed (Equity 1.99b + L.T.Debt 413.1m))
RoIC = 1.30% (NOPAT 224.2m / Invested Capital 17.2b)
WACC = 6.97% (E(2.22b)/V(2.65b) * Re(8.31%) + (debt cost/tax rate unavailable))
Discount Rate = 8.31% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -88.32 | Cagr: -0.48%
[DCF] Terminal Value 76.19% ; FCFF base≈214.7m ; Y1≈226.2m ; Y5≈263.6m
[DCF] Fair Price = 106.3 (EV 4.06b - Net Debt 169.4m = Equity 3.89b / Shares 36.6m; r=8.35% [WACC [floored]]; 5y FCF grow 5.90% → 2.50% )
EPS Correlation: 0.65 | EPS CAGR: 0.04% | SUE: 0.19 | # QB: 0
Revenue Correlation: 95.87 | Revenue CAGR: 11.91% | SUE: 1.13 | # QB: 2
EPS current Quarter (2026-06-30): EPS=1.35 | Chg30d=+0.75% | Revisions=+20% | Analysts=4
EPS next Quarter (2026-09-30): EPS=1.41 | Chg30d=+0.36% | Revisions=+20% | Analysts=4
EPS current Year (2026-12-31): EPS=5.55 | Chg30d=+0.32% | Revisions=+20% | GrowthEPS=+5.9% | GrowthRev=+3.0%
EPS next Year (2027-12-31): EPS=5.88 | Chg30d=-0.20% | Revisions=+43% | GrowthEPS=+5.9% | GrowthRev=+4.0%
[Analyst] Revisions Ratio: +43%