EFSC Stock Analysis: Enterprise Financial | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 2.186m USD | 12M Return: 6.3% | US2937121059 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 16.2M
EPS Trend: 18.6%
Qual. Beats: -1
Rev. Trend: 96.8%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Enterprise Financial Services Corp (EFSC) is a U.S.-based financial holding company that operates primarily through its Enterprise Bank & Trust subsidiary, delivering commercial banking and wealth management services to both individuals and corporate clients across eight states (Arizona, California, Florida, Kansas, Missouri, Nevada, and New Mexico), with its headquarters in Clayton, Missouri. As a regional bank, EFSC follows the standard commercial banking model of accepting deposits and originating loans, with a heavier orientation toward business and commercial real estate lending than retail-focused national banks.
The companys core activities span interest-bearing and non-interest-bearing deposit products (demand, money market, savings, and CDs) and a diversified loan portfolio that includes commercial and industrial, commercial real estate, construction and development, residential real estate, SBA, and consumer loans. Beyond traditional banking, EFSC offers treasury management, international trade services, sponsor finance, tax credit lending and brokerage, fiduciary and investment advisory services, and insurance-related products, supported by a digital banking platform that includes mobile, online, and remote deposit capabilities. Founded in 1988 and listed on NASDAQ since 1999, the company operates as a mid-cap regional bank within the Financials sector.
- Net interest margin compresses as deposit costs outpace loan repricing
- Commercial real estate loan portfolio faces elevated credit risk
- Wealth management and treasury management fees accelerate noninterest income growth
| Net Income: 190.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.23 > 1.0 |
| NWC/Revenue: 6.67% < 20% (prev -1.37k%; Δ 1.38k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 219.4m > Net Income 190.3m |
| Net Debt (423.0m) to EBITDA (281.4m): 1.50 < 3 |
| Current Ratio: 1.32 > 1.5 & < 3 |
| Outstanding Shares: last quarter (36.7m) vs 12m ago -1.58% < -2% |
| Gross Margin: 70.67% > 18% (prev 64.60%; Δ 6.08% > 0.5%) |
| Asset Turnover: 5.91% > 50% (prev 5.13%; Δ 0.78% > 0%) |
| Interest Coverage Ratio: 1.09 > 6 (EBIT TTM 273.6m / Interest Expense TTM 250.7m) |
| A: 0.00 (Total Current Assets 273.9m - Total Current Liabilities 208.0m) / Total Assets 17.4b |
| B: 0.06 (Retained Earnings 1.06b / Total Assets 17.4b) |
| C: 0.02 (EBIT TTM 273.6m / Avg Total Assets 16.7b) |
| D: 0.13 (Book Value of Equity 2.04b / Total Liabilities 15.4b) |
| Altman-Z'' = 0.47 = B |
As of September 27, 2026, the stock is trading at USD 60.93 with a total of 304,908 shares traded. Over the past week, the price has changed by -1.09%, over one month by -3.34%, over three months by -6.50% and over the past year by +6.31%.
Current recommended Stop Loss: 58.40 (which is 4.2% or 2.2 ATR below the current price).
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 | 71.5 | 17.3% |
P/E Trailing = 12.1022
P/E Forward = 12.1359
P/S = 3.1416
P/B = 1.1208
P/EG = 1.2277
Revenue TTM = 988.4m USD
EBIT TTM = 273.6m USD
EBITDA TTM = 281.4m USD
Long Term Debt = 188.6m USD (from longTermDebt, last fiscal year)
Short Term Debt = 208.0m USD (from shortTermDebt, last quarter)
Debt = 696.9m USD (from shortLongTermDebtTotal, last quarter) + Leases 14.8m
Net Debt = 423.0m USD (calculated: Debt 696.9m - CCE 273.9m)
Enterprise Value = 2.61b USD (2.19b + Debt 696.9m - CCE 273.9m)
Interest Coverage Ratio = 1.09 (Ebit TTM 273.6m / Interest Expense TTM 250.7m)
EV/FCF = 12.34x (Enterprise Value 2.61b / FCF TTM 211.4m)
FCF Yield = 8.10% (FCF TTM 211.4m / Enterprise Value 2.61b)
FCF Margin = 21.39% (FCF TTM 211.4m / Revenue TTM 988.4m)
Net Margin = 19.26% (Net Income TTM 190.3m / Revenue TTM 988.4m)
Gross Margin = 70.67% ((Revenue TTM 988.4m - Cost of Revenue TTM 289.9m) / Revenue TTM)
Gross Margin QoQ = 69.19% (prev 72.89%)
Tobins Q-Ratio = 0.15 (Enterprise Value 2.61b / Total Assets 17.4b)
Interest Expense / Debt = 35.98% (Interest Expense 250.7m / Debt 696.9m)
Taxrate = 30.44% (83.3m / 273.6m)
NOPAT = 190.3m (EBIT 273.6m * (1 - 30.44%))
Current Ratio = 1.32 (Total Current Assets 273.9m / Total Current Liabilities 208.0m)
Debt / Equity = 0.34 (Debt 696.9m / totalStockholderEquity, last quarter 2.04b)
Debt / EBITDA = 1.50 (Net Debt 423.0m / EBITDA 281.4m)
Debt / FCF = 2.00 (Net Debt 423.0m / FCF TTM 211.4m)
Total Stockholder Equity = 2.02b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.14% (Net Income 190.3m / Total Assets 17.4b)
RoE = 9.42% (Net Income TTM 190.3m / Total Stockholder Equity 2.02b)
RoCE = 12.38% (EBIT 273.6m / Capital Employed (Equity 2.02b + L.T.Debt 188.6m))
RoIC = 1.10% (NOPAT 190.3m / Invested Capital 17.3b)
WACC = 12.13% (E(2.19b)/V(2.88b) * Re(8.02%) + D(696.9m)/V(2.88b) * Rd(35.98%) * (1-Tc(0.30)))
Discount Rate = 8.02% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -88.23 | Cagr: -1.07%
[DCF] Terminal Value 61.65% ; FCFF base≈220.0m ; Y1≈203.8m ; Y5≈183.8m
[DCF] Fair Price = 37.76 (EV 1.79b - Net Debt 423.0m = Equity 1.37b / Shares 36.2m; r=12.13% [WACC]; 5y FCF grow -9.20% → 2.50% )
EPS Correlation: 18.58 | EPS CAGR: 1.05% | SUE: -2.26 | # QB: -1
Revenue Correlation: 96.79 | Revenue CAGR: 11.28% | SUE: 0.84 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.39 | Chg30d=-1.07% | Revisions=-57% | Analysts=6
EPS current Year (2026-12-31): EPS=5.29 | Chg30d=-0.51% | Revisions=-50% | GrowthEPS=+0.9% | GrowthRev=+4.5%
EPS next Year (2027-12-31): EPS=5.90 | Chg30d=-0.16% | Revisions=+0% | GrowthEPS=+11.6% | GrowthRev=+4.2%
[Analyst] Revisions Ratio: -50% (up=2, down=9)