Enterprise Financial Services (EFSC) AI Stock Analysis

• Market Cap: $2.26B
• Dividend Yield: 1.86%
• Average Volume (3M): 147.03K
• Price to Earnings (P/E): 11.6
• Beta (1Y): 0.78
• Revenue Growth: 5.66%
• EPS Growth: 16.11%
• Country: US
• Employees: 1,218
• Sector: Financial
• Sector Strength: 77
• Industry: Banks - Regional
• EPS (TTM): 1.36
• Shares Outstanding: 36,987,915
• 10 Day Avg. Volume: 143,053
• 30 Day Avg. Volume: 147,025
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 1.12
• Enterprise Value/Revenue: 3.07
• Enterprise Value/Gross Profit: 4.75
• Enterprise Value/Ebitda: 19.35
• 1Y Price Target: $67.33
• Price Target Upside: 10.98% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 4

• Rating: 77 Outperform
• Price Target: $69.00 ▲(13.73% Upside)

Enterprise Financial Services Corp. demonstrates strong financial performance and valuation metrics, supported by positive earnings call insights. Technical indicators suggest bullish momentum, though caution is warranted due to overbought signals. The company's strategic initiatives and board expansion further enhance its growth prospects.

Enterprise Financial Services Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

EFSC generates revenue primarily through interest income on loans and advances made to clients, which constitutes a significant portion of its earnings. The company charges interest on various loan products, including commercial loans, real estate loans, and personal loans. Additionally, EFSC earns revenue from fees associated with its treasury management services, investment advisory services, and transaction processing fees. The bank also has strategic partnerships with fintech companies, allowing it to enhance its service offerings and reach a broader customer base. These collaborations contribute to additional revenue streams through technology-driven financial products and services. Moreover, EFSC invests in securities, earning interest and capital gains, which further supports its overall revenue generation.

Enterprise Financial Services Financial Statement Overview

Summary

Enterprise Financial Services exhibits strong financial health with robust revenue growth and profitability. The income statement shows solid growth with a strong gross profit margin of 63.5% and a healthy net profit margin of 23.9%. The balance sheet is stable with a manageable debt-to-equity ratio of 0.33, and cash flow analysis reveals positive trends with strong cash generation relative to earnings.

Income Statement

The income statement demonstrates solid growth and profitability. The TTM (Trailing-Twelve-Months) gross profit margin is strong at 63.5%, and the net profit margin is a healthy 23.9%. Revenue has consistently increased year-over-year, with a notable revenue growth rate of 10.3% from 2023 to 2024, indicating robust top-line performance. EBIT and EBITDA margins are also impressive at 29.6% and 30.8% respectively, reflecting efficient cost management and operational effectiveness.

Balance Sheet

The balance sheet is stable, with a reasonable debt-to-equity ratio of 0.33, indicating manageable leverage. The return on equity (ROE) is strong at 10.4%, showcasing effective use of shareholder funds. The equity ratio stands at 11.9%, suggesting a conservative capital structure, though slightly lower than industry peers, potentially limiting growth opportunities.

Cash Flow

Cash flow analysis reveals a positive trend, with a free cash flow growth rate of 3.6% from 2023 to 2024. The operating cash flow to net income ratio is 1.32, indicating strong cash generation relative to earnings. The free cash flow to net income ratio is 1.28, reflecting solid cash flow performance supporting the company's profitability.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	824.47M	814.41M	743.52M	533.66M	421.60M	347.26M
Gross Profit	532.57M	509.94M	504.58M	493.09M	385.18M	247.08M
EBITDA	130.70M	241.32M	257.87M	273.47M	182.78M	103.81M
Net Income	200.76M	185.27M	194.06M	203.04M	133.06M	74.38M
Balance Sheet
Total Assets	16.08B	15.60B	14.52B	13.05B	13.54B	9.75B
Cash, Cash Equivalents and Short-Term Investments	252.82M	875.37M	2.05B	1.84B	3.39B	1.46B
Total Debt	661.44M	437.37M	453.81M	579.55M	558.76M	554.72M
Total Liabilities	14.15B	13.77B	12.80B	11.53B	12.01B	8.67B
Stockholders Equity	1.92B	1.82B	1.72B	1.52B	1.53B	1.08B
Cash Flow
Free Cash Flow	232.86M	239.93M	261.68M	214.71M	158.07M	133.25M
Operating Cash Flow	241.99M	247.40M	268.24M	216.64M	160.57M	135.51M
Investing Cash Flow	-1.35B	-796.87M	-1.31B	-1.38B	-23.11M	-702.83M
Financing Cash Flow	1.21B	880.61M	1.18B	-563.19M	1.35B	937.76M

Enterprise Financial Services Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 60.67
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For EFSC, the sentiment is Positive. The current price of 60.67 is above the 20-day moving average (MA) of 58.82, above the 50-day MA of 57.43, and above the 200-day MA of 55.70, indicating a bullish trend. The MACD of 1.32 indicates Negative momentum. The RSI at 62.22 is Neutral, neither overbought nor oversold. The STOCH value of 65.75 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for EFSC.

Enterprise Financial Services Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
NBTB	80 Outperform	$2.34B	15.80	8.16%	3.16%	10.00%	7.35%
EFSC	77 Outperform	$2.26B	11.60	10.92%	1.86%	5.66%	16.11%
HTH	73 Outperform	$2.25B	15.78	6.62%	1.99%	3.16%	27.33%
SYBT	73 Outperform	$2.38B	18.25	13.51%	1.56%	13.28%	22.43%
PPBI	72 Outperform	$2.38B	17.16	4.59%	5.39%	23.85%	―
BUSE	71 Outperform	$2.21B	22.13	4.14%	4.01%	26.75%	-42.01%
Sector *	68 Neutral	$18.06B	11.97	10.24%	3.74%	9.75%	1.30%

Enterprise Financial Services Corporate Events

Enterprise Financial Services Announces Regulation FD Disclosure

Enterprise Financial Services Corp has demonstrated consistent growth and performance improvements through strategic acquisitions and a diversified business model. The company has expanded its deposit base and footprint through four acquisitions and tackled challenges such as the COVID-19 pandemic and bank liquidity crises. With a focus on process excellence, technology investments, and risk management, EFSC aims to enhance client experiences and maintain top quartile performance in net interest margin.

Enterprise Financial Services Appoints New Board Member

On August 12, 2025, Enterprise Financial Services Corp announced the appointment of Lars C. Anderson to its Board of Directors, expanding the board from eleven to twelve members. Anderson, who brings 38 years of industry experience, including senior executive roles at Fifth Third Bancorp and Comerica Bank, will also serve on the Audit Committee and Human Capital and Compensation Committee. His appointment is expected to enhance the board’s strategic planning and value creation capabilities for stockholders.