Enterprise Financial Services (EFSC) AI Stock Analysis

• Market Cap: $2.13B
• Dividend Yield: 1.98%
• Average Volume (3M): 159.77K
• Price to Earnings (P/E): 10.9
• Beta (1Y): 0.79
• Revenue Growth: 5.66%
• EPS Growth: 16.11%
• Country: US
• Employees: 1,218
• Sector: Financial
• Sector Strength: 72
• Industry: Banks - Regional
• EPS (TTM): 1.36
• Shares Outstanding: 36,987,915
• 10 Day Avg. Volume: 143,667
• 30 Day Avg. Volume: 159,772
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.19
• Enterprise Value/Revenue: 6.29
• Enterprise Value/Gross Profit: 33.26
• Enterprise Value/Ebitda: 13.78
• 1Y Price Target: $66.33
• Price Target Upside: 15.32% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 4

• Rating: 80 Outperform
• Price Target: $66.00 ▲(14.74% Upside)

Enterprise Financial Services Corp. demonstrates strong financial performance and a positive outlook from its recent earnings call, which are the most significant factors driving the score. The stock's reasonable valuation and positive technical indicators further support its attractiveness. The recent corporate event adds a minor positive impact, enhancing strategic capabilities.

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 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: Positive
• Last Price: 57.52
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 57.52 is above the 20-day moving average (MA) of 56.09, above the 50-day MA of 55.41, and above the 200-day MA of 55.35, indicating a bullish trend. The MACD of 0.13 indicates Negative momentum. The RSI at 59.09 is Neutral, neither overbought nor oversold. The STOCH value of 95.10 is Negative, 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
EFSC	80 Outperform	$2.13B	10.90	10.92%	1.98%	5.66%	16.11%
NBTB	77 Outperform	$2.26B	15.51	8.16%	3.16%	10.00%	7.35%
PPBI	71 Outperform	$2.29B	16.51	4.59%	5.60%	23.85%	―
SYBT	70 Outperform	$2.23B	17.41	13.51%	1.64%	13.28%	22.43%
HTH	69 Neutral	$2.07B	14.75	6.62%	2.17%	3.16%	27.33%
BUSE	68 Neutral	$2.07B	20.77	4.14%	4.22%	26.75%	-42.01%
Sector *	68 Neutral	$17.53B	11.77	10.43%	3.83%	9.84%	1.31%

Enterprise Financial Services Corporate Events

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.

The most recent analyst rating on (EFSC) stock is a Buy with a $70.00 price target. To see the full list of analyst forecasts on Enterprise Financial Services stock, see the EFSC Stock Forecast page.