Enterprise Financial Services Corp. (EFSC)
NASDAQ:EFSC
Want to see EFSC full AI Analyst Report?
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$50.88 - $62.30
Previous CloseN/A
Volume42.79K
Average Volume (3M)168.22K
Market Cap
$2.15B
Enterprise Value$2.31B
Total Cash (Recent Filing)$258.54M
Total Debt (Recent Filing)$413.10M
Price to Earnings (P/E)10.1
Beta0.75
Next Earnings
Jul 27, 2026EPS Estimate
1.34Next Dividend Ex-DateN/A
Dividend Yield2.2%
Share Statistics
EPS (TTM)5.33
Shares Outstanding36,581,000
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 Cap1.07
Enterprise Value/Revenue2.42
Enterprise Value/Gross Profit3.45
Enterprise Value/Ebitda7.94
Forecast
1Y Price Target
$65.33Price Target Upside11.36% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering4
EPS Forecast (FY)5.56
Revenue Forecast (FY)$778.39M
Bulls Say, Bears Say
Bulls Say
Conservative And Improving Balance Sheet LeverageA materially lower debt-to-equity (~0.20 TTM) and equity build to ~$2.02B provide durable financial flexibility. This conservative capital structure supports lending through cycles, funds buybacks/dividends, and enables selective M&A or loss absorption without stressing funding or credit lines over coming quarters.
Resilient Net Interest Margin And NII OutlookManagement's guidance for a mid-4% NIM and stable net interest income indicates the core lending franchise can sustain margin-driven revenue. With deposit costs down, redeployment of lower-yielding paydowns into higher-yielding loans should support durable NII and earnings stability across the next several quarters.
Diversified, Low-cost Deposit Base And National Vertical GrowthA growing, specialty-driven deposit base with lower costs enhances funding stability and reduces reliance on wholesale. Durable deposit diversification via national verticals supports sustained loan funding, helps preserve NIM, and provides a competitive funding advantage over the medium term.
Bears Say
Declining Free Cash Flow MomentumA near-20% TTM decline in free cash flow and weaker operating cash flow versus prior year signals softer cash generation. Over months this reduces optionality for incremental buybacks, investments, or elevated provisions and tightens the buffer against credit or market stress if cash trends don't stabilize.
Margins Have Trended Down From Prior PeaksAlthough profitability remains reasonable, persistent margin compression from peak levels and competitive loan origination spreads constrain sustainable earnings growth. With ROE around ~10% and limited immediate uplift, the franchise needs either volume expansion or structural cost savings to drive durable earnings upside.
Elevated Efficiency Ratio And Acquisition-related ExpensesA ~60% efficiency ratio and added run-rate costs from recent branch acquisition pressure operating leverage. Higher noninterest expense makes earnings more dependent on margin or balance-sheet growth, slowing improvement in profitability if deposit and loan growth moderate over the next several 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 $50.88 and its highest was $62.30 in the past 12 months.
What is Enterprise Financial Services Corp.’s market cap?
Enterprise Financial Services Corp.’s market cap is $2.15B.
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 84 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 $0.32 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 36,581,000 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
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Strong Buy
Average Price Target:
$65.33 (11.36% Upside)
$65.33 (11.36% Upside)
Blogger Sentiment
Bullish
EFSC Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 26.5K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $75.7K over
the Last 3 Months
the Last 3 Months
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 operates as the financial holding company for Enterprise Bank & Trust that offers banking and wealth management services to individuals and corporate customers. The company offers checking, savings, and money market accounts, and certificates of deposit. It also provides commercial and industrial, commercial real estate, construction and land development, residential real estate, agricultural, and consumer loans. In addition, the company offers treasury management and international trade services; tax credit brokerage services consisting of the acquisition of tax credits and sale of these tax credits to clients; and financial and estate planning, investment management, and trust services to businesses, individuals, institutions, retirement plans, and non-profit organizations. Further, it offers fiduciary, financial advisory, and merchant processing services; and debit and credit cards. Additionally, the company provides international banking, insurance, internet and mobile banking, remote deposit capture, positive pay, fraud detection and prevention, automated payable, check imaging, and statement and document imaging services; and cash management products, controlled disbursements, repurchase agreements, and sweep investment accounts. It operates banking locations and administrative offices in Arizona, California, Kansas, Missouri, Nevada, and New Mexico market areas, as well as a network of SBA loan production offices and deposit production offices in various states. Enterprise Financial Services Corp was founded in 1988 and 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
$65.33
▲(11.36% Upside)
Technical Analysis
Ownership Overview
1.55% Insiders
27.28% Mutual Funds
3.14% Other Institutional Investors
46.04% Public Companies and
Individual Investors