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Enterprise Financial Services Corp EFSC R2K

Financial Services · Banks - Regional · United States
https://www.enterprisebank.com
Company Profile ↓
$65.29
+14.04% 1Y
Mkt Cap$2.39B
P/E12.32
P/B1.20
Div. Yield2.03%
52W High$66.90
52W Low$51.11
Book Value$53.31
EPS (TTM)$5.30

Company Overview

Enterprise Financial Services Corp operates as the financial holding company for Enterprise Bank & Trust that offers banking and wealth management services to individuals and corporate customers in Arizona, California, Florida, Kansas, Missouri, Nevada, New Mexico, and in the United States. It provides interest and non-interest-bearing demand, money markets accounts, savings, and certificates of deposit. The company also provides commercial and industrial, commercial real estate, real estate construction and development, residential real estate, small business administration, consumer, and other loan products. In addition, it offers treasury management and international trade services; life insurance premium and sponsor finance; tax credit related lending; tax credit brokerage services; other deposit accounts, such as community associations, property management, legal industry and escrow services; treasury management product and services; customized solutions and products; cash management systems; fiduciary, investment management, and financial advisory services; and customer hedging products, international banking, card services, and tax credit businesses. Further, the company provides online, device applications, text, and voice banking; remote deposit capture; internet banking, mobile banking, cash management, positive pay, fraud detection and prevention, automated payables, check image, and statement and document imaging services; and controlled disbursements, repurchase agreements, and sweep investment accounts. Financial Services Corp was founded in 1988 and is headquartered in Clayton, Missouri.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 22.0% per year over the last five years.

Reasonable Valuation

Trades at a P/E of 12.3, below the sector median of 13.3.

Healthy Margins

Maintains a net profit margin of 28.9%.

Conservative Balance Sheet

Carries low leverage with a debt-to-equity ratio of 0.09.

Dividend Income

Offers a dividend yield of 2.03%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Trailing 12 Months Year-on-year growth — revenue +12.6%, earnings -0.8%.
  • 5-Year Trend Long-term compounding — profit CAGR 22.0%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-
1 Year:12.60%

Compounded Profit Growth

5 Years:22.04%
1 Year:-0.80%

Stock Price Performance

1 Year:+14.04%
6 Months:+20.43%
3 Months:+13.13%
1 Month:+3.74%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 90% of range
$51.11 $66.90
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)57.06 · Neutral
Price Performance
1M+3.74%
3M+13.13%
6M+20.43%
1Y+14.04%
Valuation vs Sector

P/E of 12.32 is below the sector median of 13.30 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 28.9%.
  • Profit CAGR of 22.0% over 5 years.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
12.32
Industry PE
13.30
Forward P/E
11.11
PEG Ratio
1.23
Book Value
$53.31
Price to Book
1.20
P/S
3.39
EV/EBITDA
-
Dividend Yield
2.03%

Growth (CAGR)

Revenue 5Y
-
Profit 5Y
22.04%
Revenue (YoY)
12.60%
Earnings (YoY)
-0.80%

Profitability & Returns

ROCE
-
ROE
10.32%
ROA
1.22%
Profit Margin
28.94%
Op Margin
35.28%
Gross Margin
0.00%
EPS (Latest Qtr)
$1.30
EPS (TTM)
$5.30

Balance Sheet & Liquidity

Debt/Equity
0.09
Quick Ratio
-
Current Ratio
-
Debt
$422.33M
Total Assets
$17.23B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
1.75%
Chg in Prom Hold
-
FII / Inst Holding
84.61%
Chg in FII Hold
-0.54%

Financial Snapshot

Enterprise Value
$2.39B
Total Revenue (TTM)
$693.68M
EBITDA
-
Free Cash Flow
$181.53M
Operating Cash Flow
$212.00M
Shares Outstanding
36.59M
Gross Margin
0.00%
Payout Ratio
23.77%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 EFSC Enterprise Financial Services Corp R2K 65.29 12.32 $2.39B 2.03% - 10.32% - 22.04%
2 JPM JPMorgan Chase & Co. SPX 342.89 16.42 $918.78B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 491.09 14.61 $686.70B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 356.02 31.01 $590.89B 0.83% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 538.02 31.10 $471.86B 0.71% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 60.62 15.04 $430.20B 2.00% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 227.67 20.62 $359.10B 1.87% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,140.00 20.83 $336.31B 1.69% - 14.55% - 2.21%
9 WFC Wells Fargo & Company SPX 85.29 13.18 $261.00B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue -----------------------------------137.38M143.15M176.60M159.25M155.38M
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------------
EBITDA ----------------------------------------
Interest Expense -----------------------------------64.26M66.20M67.10M64.10M58.94M
Pretax Income -----------------------------------61.03M64.19M88.67M69.82M62.85M
Tax Provision -----------------------------------11.07M12.81M43.44M15.02M13.49M
Net Income 9.71M10.68M11.03M12.35M11.83M13.63M12.39M11.96M16.32M7.53M20.92M22.25M22.52M23.53M16.16M18.42M29.07M29.09M12.87M14.63M17.95M28.93M29.93M38.41M13.91M47.69M45.15M50.20M55.74M49.13M44.66M40.40M45.45M--49.96M51.38M45.23M54.79M49.36M
Diluted EPS 0.480.520.540.610.590.670.560.500.690.320.900.950.971.020.670.681.081.090.480.560.681.000.961.230.381.231.191.321.461.291.171.051.19--1.311.361.191.451.30

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Net Income -47.95M5.57M25.42M28.30M33.10M27.17M38.45M48.84M48.19M89.22M92.74M74.38M133.06M203.04M194.06M185.27M201.37M
Diluted EPS -3.920.211.341.371.731.351.892.412.073.833.552.763.865.315.074.835.31

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Sep 2010Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets ---2.80B3.38B3.33B3.17B3.28B3.61B4.08B5.29B5.65B7.33B9.75B-13.05B14.52B15.60B17.30B
Current Assets -------------------
Cash & Equivalents 42.65M106.97M293.67M293.67M188.14M116.37M210.57M100.70M94.16M198.80M153.32M196.55M167.26M537.70M-297.63M434.00M760.35M677.01M
Inventory -------------------
Receivables -------------------
Total Liabilities ---2.62B3.14B3.09B2.89B2.96B3.26B3.69B4.74B5.04B6.47B8.67B-11.53B12.80B13.77B15.26B
Current Liabilities -------------------
Long Term Debt ---------------308.78M203.62M192.75M188.62M
Total Debt ---------------308.78M203.62M192.75M188.62M
Total Equity 214.57M163.91M-179.80M239.56M235.75M279.70M316.24M350.83M387.10M548.57M603.80M867.18M1.08B-1.52B1.72B1.82B2.04B
Shares Outstanding ---------------39.23M37.42M36.99M36.97M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 28.75M49.22M27.13M37.37M29.31M31.49M47.19M82.52M45.79M108.81M92.46M135.51M160.57M216.64M268.24M247.40M193.51M
Investing Cash Flow -66.44M-287.90M394.00K-6.28M176.08M-212.83M-337.25M-358.06M-312.44M-331.62M-378.52M-702.83M-23.11M-1.38B-1.31B-796.87M-1.08B
Financing Cash Flow 102.01M425.38M-133.05M-102.86M-111.19M71.46M283.52M380.18M221.17M266.04M256.77M937.76M1.35B-563.19M1.18B880.61M803.17M
Capital Expenditure -552.00K-957.00K-910.00K-4.67M-1.34M-1.90M-2.11M-2.50M-2.55M-3.04M-6.34M-2.26M-2.50M-1.93M-6.56M-7.47M-11.98M
Free Cash Flow 28.20M48.27M26.22M32.70M27.97M29.59M45.08M80.03M43.24M105.77M86.12M133.25M158.07M214.71M261.68M239.93M181.53M
Share Buybacks ------04.89M16.64M19.39M15.53M15.35M60.59M32.92M029.64M14.14M

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % -----------------
ROE % -29.3%3.1%10.6%12.0%11.8%8.6%11.0%12.6%8.8%14.8%10.7%6.9%-13.3%11.3%10.2%9.9%
ROCE % -----------------

Shareholding Pattern

Insiders
1.75%
Institutions
84.61%
Public Float
86.11%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 9.28% 3.39M $222.14M
2 Wellington Management Group, LLP 8.88% 3.25M $212.69M
3 Dimensional Fund Advisors LP 5.98% 2.19M $143.23M
4 Vanguard Capital Management LLC 4.32% 1.58M $103.40M
5 Earnest Partners LLC 3.95% 1.45M $94.60M
6 State Street Corporation 3.70% 1.35M $88.63M
7 First Trust Advisors LP 3.35% 1.23M $80.28M
8 American Century Companies Inc 2.88% 1.05M $68.87M
9 Nomura Asset Management International Inc 2.65% 969.41K $63.44M
10 Geode Capital Management, LLC 2.55% 933.74K $61.10M

Analyst View

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Latest News

Recent headlines for EFSC

Google News ue, 14 Jul 2026

1 Unpopular Stock That Deserves a Second Chance and 2 We Avoid - StockStory

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Google News Fri, 10 Jul 2026

Bank behind Enterprise Financial to detail Q2 results July 22–23 - Stock Titan

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Google News Fri, 26 Jun 2026

Why Enterprise Financial Services (EFSC) is a Great Dividend Stock Right Now - Yahoo Finance

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Google News Sun, 12 Jul 2026

Price to sales forward of Enterprise Financial Services Corporation – NASDAQ:EFSC - TradingView

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EFSC — Frequently Asked Questions

What is the current share price of Enterprise Financial Services Corp (EFSC)?

As of 2026-07-14 21:23 PDT, Enterprise Financial Services Corp (EFSC) trades at $65.29 on NasdaqGS. Its 52-week range is $51.11 to $66.90.

What is the market capitalisation of EFSC?

Enterprise Financial Services Corp (EFSC) has a market capitalisation of $2.39B on NasdaqGS.

What is the P/E ratio of EFSC?

EFSC trades at a trailing price-to-earnings (P/E) ratio of 12.32. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 1.20.

Does EFSC pay a dividend?

Enterprise Financial Services Corp (EFSC) currently offers a dividend yield of 2.03%.

What is the return on equity (ROE) of EFSC?

EFSC has a return on equity (ROE) of 10.32%.

Is EFSC a good stock to buy?

This page provides a data-driven analysis of Enterprise Financial Services Corp (EFSC), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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