Enterprise Financial Services Corp EFSC R2K

Financial Services · Banks - Regional · United States

https://www.enterprisebank.com

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.

Market & Price

Market Cap

$2.22B

Current Price

$60.61

High / Low (52W)

$61.46 / $50.45

Beta

0.81

Valuation

Stock P/E

11.44

Industry PE

12.01

Forward P/E

10.31

PEG Ratio

1.23

Book Value

$53.31

Price to Book

1.14

P/S

3.20

EV/EBITDA

Dividend Yield

2.14%

Profitability & Returns

ROCE

ROE

10.32%

ROA

1.22%

Profit Margin

28.94%

Op Margin

35.28%

EPS (Latest Qtr)

$1.30

EPS (TTM)

$5.30

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$422.33M

Total Assets

$17.30B

Current Assets

Working Capital

Ownership

Promoter Holding

1.75%

Chg in Prom Hold

FII / Inst Holding

85.14%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$2.07B

Total Revenue (TTM)

$693.68M

EBITDA

Free Cash Flow

Operating Cash Flow

$212.00M

Shares Outstanding

36.59M

Gross Margin

0.00%

Payout Ratio

23.77%

Growth (CAGR)

Revenue 5Y

7.77%

Profit 5Y

-0.27%

Revenue (YoY)

12.60%

Earnings (YoY)

-0.80%

PROS

Excellent profit margin of 28.9%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

Earnings shrank at -0.3% CAGR over 5 years.

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

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	EFSC Enterprise Financial Services Corp R2K	60.61	11.44	$2.22B	2.14%	-	10.32%	7.77%	-0.27%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Sep 2015	Dec 2015	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	137.38M	143.15M	176.60M	159.25M	155.38M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	64.26M	66.20M	67.10M	64.10M	58.94M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	61.03M	64.19M	88.67M	69.82M	62.85M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	11.07M	12.81M	43.44M	15.02M	13.49M
Net Income	9.71M	10.68M	11.03M	12.35M	11.83M	13.63M	12.39M	11.96M	16.32M	7.53M	20.92M	22.25M	22.52M	23.53M	16.16M	18.42M	29.07M	29.09M	12.87M	14.63M	17.95M	28.93M	29.93M	38.41M	13.91M	47.69M	45.15M	50.20M	55.74M	49.13M	44.66M	40.40M	45.45M	-	-	49.96M	51.38M	45.23M	54.79M	49.36M
Diluted EPS	0.48	0.52	0.54	0.61	0.59	0.67	0.56	0.50	0.69	0.32	0.90	0.95	0.97	1.02	0.67	0.68	1.08	1.09	0.48	0.56	0.68	1.00	0.96	1.23	0.38	1.23	1.19	1.32	1.46	1.29	1.17	1.05	1.19	-	-	1.31	1.36	1.19	1.45	1.30

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	492.48M	541.19M	531.45M	616.38M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	41.18M	202.33M	282.95M	261.67M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	259.46M	246.53M	231.24M	283.72M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	56.42M	52.47M	45.98M	82.34M
Net Income	-47.95M	5.57M	25.42M	28.30M	33.10M	27.17M	38.45M	48.84M	48.19M	89.22M	92.74M	74.38M	-	203.04M	194.06M	185.27M	201.37M
Diluted EPS	-3.92	0.21	1.34	1.37	1.73	1.35	1.89	2.41	2.07	3.83	3.55	2.76	-	5.31	5.07	4.83	5.31

Compounded Sales Growth

5 Years:	7.77%
1 Year:	12.60%

Compounded Profit Growth

5 Years:	-0.27%
1 Year:	-0.80%

Stock Price Performance

1 Year:	+17.12%
6 Months:	+10.78%
3 Months:	+6.80%
1 Month:	+5.32%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Sep 2010	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	-	2.80B	3.38B	3.33B	3.17B	3.28B	3.61B	4.08B	5.29B	5.65B	7.33B	9.75B	-	13.05B	14.52B	15.60B	17.30B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	42.65M	106.97M	293.67M	293.67M	188.14M	116.37M	210.57M	100.70M	94.16M	198.80M	153.32M	196.55M	167.26M	537.70M	-	297.63M	434.00M	760.35M	677.01M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total Liabilities	-	-	-	2.62B	3.14B	3.09B	2.89B	2.96B	3.26B	3.69B	4.74B	5.04B	6.47B	8.67B	-	11.53B	12.80B	13.77B	15.26B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	308.78M	203.62M	192.75M	188.62M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	308.78M	203.62M	192.75M	188.62M
Total Equity	214.57M	163.91M	-	179.80M	239.56M	235.75M	279.70M	316.24M	350.83M	387.10M	548.57M	603.80M	867.18M	1.08B	-	1.52B	1.72B	1.82B	2.04B
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	39.23M	37.42M	36.99M	36.97M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	28.75M	49.22M	27.13M	37.37M	29.31M	31.49M	47.19M	82.52M	45.79M	108.81M	92.46M	135.51M	-	216.64M	268.24M	247.40M	193.51M
Investing Cash Flow	-66.44M	-287.90M	394.00K	-6.28M	176.08M	-212.83M	-337.25M	-358.06M	-312.44M	-331.62M	-378.52M	-702.83M	-	-1.38B	-1.31B	-796.87M	-1.08B
Financing Cash Flow	102.01M	425.38M	-133.05M	-102.86M	-111.19M	71.46M	283.52M	380.18M	221.17M	266.04M	256.77M	937.76M	-	-563.19M	1.18B	880.61M	803.17M
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	-	-1.93M	-6.56M	-7.47M	-11.98M
Free Cash Flow	28.20M	48.27M	26.22M	32.70M	27.97M	29.59M	45.08M	80.03M	43.24M	105.77M	86.12M	133.25M	-	214.71M	261.68M	239.93M	181.53M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-1.73B	141.67M	331.14M	-82.27M
Share Buybacks	-	-	-	-	-	-	0	4.89M	16.64M	19.39M	15.53M	15.35M	60.59M	32.92M	0	29.64M	14.14M

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	41.2%	35.9%	34.9%	32.7%
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

85.14%

Public Float

86.65%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	9.28%	3.39M	$205.75M
2	Wellington Management Group, LLP	8.88%	3.25M	$196.99M
3	Dimensional Fund Advisors LP	5.98%	2.19M	$132.66M
4	Vanguard Capital Management LLC	4.32%	1.58M	$95.77M
5	Earnest Partners LLC	3.95%	1.45M	$87.61M
6	State Street Corporation	3.70%	1.35M	$82.09M
7	First Trust Advisors LP	3.35%	1.23M	$74.36M
8	American Century Companies Inc	2.88%	1.05M	$63.78M
9	Nomura Asset Management International Inc	2.65%	969.41K	$58.76M
10	Geode Capital Management, LLC	2.55%	933.74K	$56.59M

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