Enterprise Financial Services (EFSC) AI Stock Analysis

• Market Cap: $2.08B
• Dividend Yield: 2.03%
• Average Volume (3M): 194.93K
• Price to Earnings (P/E): 11.3
• Beta (1Y): 0.78
• Revenue Growth: 7.26%
• EPS Growth: 9.76%
• Country: US
• Employees: 1,218
• Sector: Financial
• Sector Strength: 72
• Industry: Banks - Regional
• EPS (TTM): 1.31
• Shares Outstanding: 36,932,680
• 10 Day Avg. Volume: 190,623
• 30 Day Avg. Volume: 194,931
• PEG Ratio: 0.24
• Price to Book (P/B): 1.20
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 8.52
• Enterprise Value/Market Cap: 1.02
• Enterprise Value/Revenue: 1.01
• Enterprise Value/Gross Profit: 27.76
• Enterprise Value/Ebitda: 2.55
• 1Y Price Target: $63.67
• Price Target Upside: 13.29% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 3

• Rating: 82 Outperform
• Price Target: $68.00 ▲(21.00%Upside)

Enterprise Financial Services (EFSC) is rated highly due to strong financial performance, positive earnings call sentiment, and strategic corporate actions. While technical indicators suggest some caution due to overbought signals, the solid valuation and positive corporate developments underpin a strong investment case.

Enterprise Financial Services Business Overview & Revenue Model

Company Description

Enterprise Financial Services Corp. (EFSC) is a financial holding company primarily serving the banking needs of businesses and individuals. Through its subsidiary, Enterprise Bank & Trust, EFSC provides a range of financial services, including commercial and personal banking, wealth management, and specialized lending solutions. The company focuses on delivering customized financial solutions to meet the needs of its clients across various sectors, including healthcare, real estate, and manufacturing.

How the Company Makes Money

EFSC generates revenue through multiple streams, with interest income from loans and securities being the primary source. The company earns significant income from the interest charged on various types of loans, such as commercial real estate loans, commercial and industrial loans, and consumer loans. Additionally, EFSC generates non-interest income through service charges on deposit accounts, fees from its wealth management services, and other financial services. Strategic partnerships with local businesses and community-focused initiatives also play a role in expanding its customer base and enhancing revenue opportunities.

Enterprise Financial Services Financial Statement Overview

Summary

Enterprise Financial Services shows strong financial health with consistent revenue growth and profitability. The balance sheet is stable, with a robust equity position and effective debt management, despite a decrease in operating cash flow.

Income Statement

Enterprise Financial Services has shown consistent revenue growth, with a noticeable increase from $287.9M in 2019 to $697.0M in 2024. The company maintains strong profitability as indicated by its net profit margin, although the EBIT and EBITDA margins are unavailable for the latest period. The revenue growth rate from 2023 to 2024 is robust, reflecting the company's ability to expand its market presence and operations.

Balance Sheet

The company has a solid equity base with stockholders' equity rising from $867.2M in 2019 to $1.82B in 2024. The debt-to-equity ratio has improved to zero, indicating effective debt management. However, the equity ratio has slightly decreased over the years, suggesting a higher reliance on liabilities. Overall, the balance sheet reflects stability but with a need to monitor equity reliance.

Cash Flow

Operating cash flow has been strong, but there was a significant decrease from 2023 to 2024. Despite this, the company generates sufficient free cash flow, indicating efficient operational management. The free cash flow to net income ratio is favorable, suggesting that a substantial portion of net income is converted into cash.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	401.89M	69.70M	541.19M	471.35M	427.94M	324.50M
Gross Profit	76.03M	531.45M	541.19M	471.35M	427.94M	324.50M
EBITDA	183.57M	0.00	0.00	273.47M	182.78M	107.61M
Net Income	194.83M	185.27M	194.06M	203.04M	133.06M	74.38M
Balance Sheet
Total Assets	15.68B	15.60B	14.52B	13.05B	13.54B	9.75B
Cash, Cash Equivalents and Short-Term Investments	260.28M	2.13B	1.81B	1.84B	3.39B	1.46B
Total Debt	0.00	192.75M	203.62M	579.55M	558.76M	554.72M
Total Liabilities	13.81B	13.77B	12.80B	11.53B	558.76M	554.72M
Stockholders Equity	1.87B	1.82B	1.72B	1.52B	1.53B	1.08B
Cash Flow
Free Cash Flow	212.93M	239.93M	261.68M	214.71M	158.07M	133.25M
Operating Cash Flow	217.13M	247.40M	268.24M	216.64M	160.57M	135.51M
Investing Cash Flow	-615.99M	-796.87M	-1.35B	-1.38B	-23.11M	-702.83M
Financing Cash Flow	836.83M	880.61M	1.18B	-563.19M	1.35B	937.76M

Enterprise Financial Services Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 56.20
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For EFSC, the sentiment is Neutral. The current price of 56.2 is below the 20-day moving average (MA) of 57.15, above the 50-day MA of 54.73, and above the 200-day MA of 54.98, indicating a neutral trend. The MACD of 0.90 indicates Positive momentum. The RSI at 49.00 is Neutral, neither overbought nor oversold. The STOCH value of 37.69 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for EFSC.

Enterprise Financial Services Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
EFSC	82 Outperform	$2.08B	11.30	10.80%	2.03%	7.26%	9.76%
NBTB	81 Outperform	$2.17B	14.03	9.55%	3.27%	12.11%	16.58%
BUSE	74 Outperform	$2.09B	21.15	4.14%	4.24%	27.73%	-41.87%
SYBT	72 Outperform	$2.34B	18.75	31.33%	1.56%	13.22%	22.43%
HTH	69 Neutral	$1.96B	15.93	5.89%	2.29%	2.60%	14.96%
Sector *	68 Neutral	¥760.77B	10.93	7.55%	3.20%	7.81%	14.63%
PPBI	67 Neutral	$2.05B	14.47	4.94%	6.24%	23.09%	1086.91%

Enterprise Financial Services Corporate Events

Enterprise Financial Services Holds Annual Stockholder Meeting

Enterprise Financial Services Corp held its annual meeting of stockholders on May 7, 2025, where several key proposals were voted on. The election of eleven directors was confirmed, Deloitte & Touche LLP’s appointment as the independent auditor was ratified, an amendment to the stock incentive plan was approved, and executive compensation was endorsed, indicating shareholder support for the company’s governance and strategic plans.

The most recent analyst rating on (EFSC) stock is a Buy with a $60.00 price target. To see the full list of analyst forecasts on Enterprise Financial Services stock, see the EFSC Stock Forecast page.

Enterprise Financial Services Reports Strategic Growth and Improvements

Enterprise Financial Services Corp has reported significant growth and strategic improvements, including a focus on process excellence, automation, and technology investments. The company has expanded its deposit base and footprint through acquisitions, improved performance, and tackled challenges such as the COVID-19 pandemic and liquidity crises. With a seasoned executive leadership team, EFSC continues to deliver top quartile performance in net interest margin and maintains effective risk management practices, positioning itself well for different economic environments.

Enterprise Financial Services Announces Leadership Transition

On April 28, 2025, Enterprise Financial Services Corp announced a significant leadership transition within Enterprise Bank & Trust, with Scott Goodman moving to a part-time advisory role and Doug Bauche and Kevin Handley stepping into new executive positions. Additionally, Enterprise Bank entered into a Purchase Agreement to acquire 12 branches from First Interstate Bank, a move expected to enhance its market presence in Arizona and Kansas. The acquisition, subject to regulatory approval, is anticipated to close by early fourth quarter of 2025. In the first quarter of 2025, the company reported a net income of $50 million, reflecting a positive financial performance with increased net interest income and a strong return on average assets. The strategic acquisition and leadership changes are poised to strengthen the company’s operational capabilities and market positioning.