Enterprise Financial Services Balance Sheet Health
Financial Health criteria checks 6/6
Enterprise Financial Services has total assets of $15.0B and total equity of $1.8B. Total deposits are $12.5B, and total loans are $10.9B. It earns a Net Interest Margin of 4.4%. It has sufficient allowance for bad loans, which are currently at 0.3% of total loans. Cash and short-term investments are $446.5M.
Key information
8.2x
Asset to equity ratio
4.4%
Net interest margin
| Total deposits | US$12.47b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.3% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$446.48m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: EFSC.P's Assets to Equity ratio (8.2x) is low.
Allowance for Bad Loans: EFSC.P has a sufficient allowance for bad loans (493%).
Low Risk Liabilities: 95% of EFSC.P's liabilities are made up of primarily low risk sources of funding.
Loan Level: EFSC.P has an appropriate level of Loans to Assets ratio (73%).
Low Risk Deposits: EFSC.P's Loans to Deposits ratio (88%) is appropriate.
Level of Bad Loans: EFSC.P has an appropriate level of bad loans (0.3%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/27 00:39 |
| End of Day Share Price | 2024/12/27 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
Enterprise Financial Services Corp is covered by 11 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Erik Zwick | Boenning & Scattergood, Inc. |
| Daniel Cardenas | Boenning & Scattergood, Inc. |
| null null | D.A. Davidson & Co. |