Enterprise Financial Services Corp. (EFSC)
NASDAQ:EFSC
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EFSC Stock Chart & Stats
$58.67
$0.12(0.22%)
At close: 4:00 PM EST
$58.67
$0.12(0.22%)
Day’s Range― - ―
52-Week Range$51.18 - $64.56
Previous CloseN/A
Volume42.79K
Average Volume (3M)168.22K
Market Cap
$2.29B
Enterprise Value$2.42B
Total Cash (Recent Filing)$258.54M
Total Debt (Recent Filing)$413.10M
Price to Earnings (P/E)11.4
Beta0.74
Next Earnings
Jul 27, 2026EPS Estimate
1.34Next Dividend Ex-DateN/A
Dividend Yield2.2%
Share Statistics
EPS (TTM)5.33
Shares Outstanding36,585,804
10 Day Avg. Volume260,264
30 Day Avg. Volume168,220
Financial Highlights & Ratios
PEG Ratio0.98
Price to Book (P/B)0.98
Price to Sales (P/S)2.19
P/FCF Ratio11.00
Enterprise Value/Market Cap1.06
Enterprise Value/Revenue2.54
Enterprise Value/Gross Profit3.61
Enterprise Value/Ebitda8.12
Forecast
1Y Price Target
$66.33Price Target Upside13.06% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering4
EPS Forecast (FY)5.56
Revenue Forecast (FY)$776.04M
Bulls Say, Bears Say
Bulls Say
Conservative Balance SheetEFSC has materially reduced leverage vs. prior years, with debt-to-equity near 0.20 and equity buildup to roughly $2.02B. A lower leverage profile increases resilience to credit cycles, gives regulatory flexibility, and supports steady capital returns and organic growth over the medium term.
Stable, Diversified Deposit FranchiseSignificant deposit growth and expansion of low-cost national deposit verticals strengthen funding stability. A granular retail and specialty deposit mix lowers reliance on wholesale funding, enabling durable net interest income generation and supporting loan growth while limiting liquidity stress over multiple quarters.
Improved Capital FlexibilityThe subordinated notes issuance provides long-dated regulatory capital and funding optionality that can be deployed for organic growth, redemptions or buybacks. This structural capital enhancement strengthens solvency metrics and preserves room for strategic actions without immediate stress on core deposits.
Bears Say
Margin Compression TrendNet interest margin has trended down from unusually strong 2022 levels and recent commentary highlights spread pressure on new originations. Persistent compression limits sustainable earnings upside absent meaningful re-pricing, product mix shifts, or further deposit cost improvement over the medium term.
Rising Expense Run‑RateAn increasing efficiency ratio and full run-rate expenses from recent branch acquisitions raise structural cost levels. If revenue growth slows or margin pressure continues, higher fixed costs could persistently compress operating leverage, reducing earnings resiliency across several quarters.
Concentration & Seasonal Deposit VolatilityMaterial seasonal deposit swings driven by concentrated commercial clients create recurring funding volatility. Even with national vertical growth, concentrated outflows can force higher-cost funding or reinvestment timing mismatches, raising structural liquidity and margin execution risk over the coming quarters.
Enterprise Financial Services News
EFSC FAQ
What was Enterprise Financial Services Corp.’s price range in the past 12 months?
Enterprise Financial Services Corp. lowest stock price was $51.18 and its highest was $64.56 in the past 12 months.
What is Enterprise Financial Services Corp.’s market cap?
Enterprise Financial Services Corp.’s market cap is $2.29B.
When is Enterprise Financial Services Corp.’s upcoming earnings report date?
Enterprise Financial Services Corp.’s upcoming earnings report date is Jul 27, 2026 which is in 39 days.
How were Enterprise Financial Services Corp.’s earnings last quarter?
Enterprise Financial Services Corp. released its earnings results on Apr 22, 2026. The company reported $1.3 earnings per share for the quarter, beating the consensus estimate of $1.29 by $0.01.
Is Enterprise Financial Services Corp. overvalued?
According to Wall Street analysts Enterprise Financial Services Corp.’s price is currently Undervalued.
Does Enterprise Financial Services Corp. pay dividends?
Enterprise Financial Services Corp. pays a Quarterly dividend of $0.34 which represents an annual dividend yield of 2.2%. See more information on Enterprise Financial Services Corp. dividends here
What is Enterprise Financial Services Corp.’s EPS estimate?
Enterprise Financial Services Corp.’s EPS estimate is 1.34.
How many shares outstanding does Enterprise Financial Services Corp. have?
Enterprise Financial Services Corp. has 36,585,804 shares outstanding.
What happened to Enterprise Financial Services Corp.’s price movement after its last earnings report?
Enterprise Financial Services Corp. reported an EPS of $1.3 in its last earnings report, beating expectations of $1.29. Following the earnings report the stock price went up 0.208%.
Which hedge fund is a major shareholder of Enterprise Financial Services Corp.?
Currently, no hedge funds are holding shares in EFSC
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Enterprise Financial Services Stock Smart Score
Neutral
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Analyst Consensus
Strong Buy
Average Price Target:
$66.33 (13.06% Upside)
$66.33 (13.06% Upside)
Blogger Sentiment
Bullish
EFSC Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 52.5K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $75.7K over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
1.14%
12-Months-Change
Fundamentals
Return on Equity
10.08%
Trailing 12-Months
Asset Growth
9.90%
Trailing 12-Months
Company Description
Enterprise Financial Services Corp.
Enterprise Financial Services Corp (EFSC) serves as the parent financial holding company for Enterprise Bank & Trust. Through this subsidiary, it delivers a comprehensive array of banking and wealth management solutions to both individual and corporate clients. The company's core deposit offerings encompass checking, savings, and money market accounts, alongside certificates of deposit. On the lending side, EFSC extends a broad portfolio of credit facilities, including commercial and industrial loans, commercial real estate financing, construction and land development loans, residential real estate mortgages, agricultural loans, and consumer credit. Beyond traditional banking, the firm provides specialized business services such as treasury management and international trade support. It also operates a unique tax credit brokerage service, assisting clients with the acquisition and subsequent sale of tax credits. For wealth management, EFSC offers financial and estate planning, investment management, and trust services, catering to businesses, private individuals, institutions, retirement plans, and non-profit organizations. Additionally, its extensive service catalog includes fiduciary duties, expert financial advisory, merchant processing solutions, and various debit and credit card options. The company further embraces modern technology, offering international banking, insurance products, and digital platforms like internet and mobile banking. Operational efficiencies are supported by remote deposit capture, positive pay systems, robust fraud detection and prevention tools, automated payable services, and comprehensive check and statement/document imaging capabilities. Complementing these, its cash management products feature controlled disbursements, repurchase agreements, and sweep investment accounts. Geographically, Enterprise Financial Services Corp maintains a physical presence with banking branches and administrative offices in key markets across Arizona, California, Kansas, Missouri, Nevada, and New Mexico. Moreover, it operates a network of specialized SBA loan production offices and deposit production offices in numerous other states. Founded in 1988, Enterprise Financial Services Corp is headquartered in Clayton, Missouri.
EFSC Company Deck
EFSC Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed solid fundamental performance: stable earnings, resilient net interest margin, strong capital and liquidity positions, active capital returns (share buybacks and dividend increase), and meaningful improvement in asset quality with concrete progress on OREO dispositions. Offsetting items included sequential EPS/provisioning impacts driven by seasonality (fewer days, lower tax credit income), a decline in certain loan balances (LIHTC paydowns and sponsor finance payoffs), a higher efficiency ratio, and noted geopolitical uncertainty that prompted a qualitative reserve and cautious commentary on near-term loan growth. Overall tone was confident and constructive, with management emphasizing balance sheet strength, deposit diversification, disciplined pricing, and a plan for moderate loan growth while remaining cautious on macro and geopolitical risks.View all EFSC earnings summariesEFSC Stock 12 Month Forecast
Average Price Target
$66.33
▲(13.06% Upside)
Technical Analysis
Ownership Overview
1.55% Insiders
27.37% Mutual Funds
20.93% Other Institutional Investors
27.35% Public Companies and
Individual Investors