| Snowflake Score | |
|---|---|
| Valuation | 3/6 |
| Future Growth | 2/6 |
| Past Performance | 4/6 |
| Financial Health | 6/6 |
| Dividends | 5/6 |
EFSC Overview
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.
Enterprise Financial Services Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$43.25 |
| 52 Week High | US$25.21 |
| 52 Week Low | US$52.00 |
| Beta | 1.4 |
| 1 Month Change | -4.97% |
| 3 Month Change | -6.18% |
| 1 Year Change | 50.75% |
| 3 Year Change | -20.42% |
| 5 Year Change | 35.92% |
| Change since IPO | 293.18% |
Recent News & Updates
Enterprise Financial Services (NASDAQ:EFSC) Is Paying Out A Larger Dividend Than Last Year
Enterprise Financial Services Corp ( NASDAQ:EFSC ) has announced that it will be increasing its dividend on the 30th of...
Enterprise Financial Services (NASDAQ:EFSC) Is Increasing Its Dividend To US$0.19
Enterprise Financial Services Corp ( NASDAQ:EFSC ) has announced that it will be increasing its dividend on the 30th of...
Shareholder Returns
| EFSC | US Banks | US Market | |
|---|---|---|---|
| 7D | -1.5% | -0.1% | -0.6% |
| 1Y | 50.7% | 62.5% | 33.6% |
Return vs Industry: EFSC underperformed the US Banks industry which returned 62.7% over the past year.
Return vs Market: EFSC exceeded the US Market which returned 33.7% over the past year.
Price Volatility
| EFSC volatility | |
|---|---|
| EFSC Beta | 1.4 |
| Industry Beta | 1.37 |
| Market Beta | 1 |
Stable Share Price: EFSC is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: EFSC's weekly volatility (4%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1988 | 805 | Jim Lally | https://www.enterprisebank.com |
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.
Valuation
Is Enterprise Financial Services undervalued compared to its fair value and its price relative to the market?
>50%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: EFSC ($43.25) is trading below our estimate of fair value ($86.55)
Significantly Below Fair Value: EFSC is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: EFSC is poor value based on its PE Ratio (14.5x) compared to the US Banks industry average (10.8x).
PE vs Market: EFSC is good value based on its PE Ratio (14.5x) compared to the US market (17.8x).
Price to Earnings Growth Ratio
PEG Ratio: EFSC is poor value based on its PEG Ratio (1.2x)
Price to Book Ratio
PB vs Industry: EFSC is overvalued based on its PB Ratio (1.5x) compared to the US Banks industry average (1.1x).
Future Growth
How is Enterprise Financial Services forecast to perform in the next 1 to 3 years based on estimates from 5 analysts?
11.7%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: EFSC's forecast earnings growth (11.7% per year) is above the savings rate (2%).
Earnings vs Market: EFSC's earnings (11.7% per year) are forecast to grow slower than the US market (14.9% per year).
High Growth Earnings: EFSC's earnings are forecast to grow, but not significantly.
Revenue vs Market: EFSC's revenue (11.1% per year) is forecast to grow faster than the US market (9.7% per year).
High Growth Revenue: EFSC's revenue (11.1% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: EFSC's Return on Equity is forecast to be low in 3 years time (10%).
Past Performance
How has Enterprise Financial Services performed over the past 5 years?
16.0%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: EFSC has high quality earnings.
Growing Profit Margin: EFSC's current net profit margins (33.8%) are higher than last year (33.1%).
Past Earnings Growth Analysis
Earnings Trend: EFSC's earnings have grown by 16% per year over the past 5 years.
Accelerating Growth: EFSC's earnings growth over the past year (34.5%) exceeds its 5-year average (16% per year).
Earnings vs Industry: EFSC earnings growth over the past year (34.5%) underperformed the Banks industry 36%.
Return on Equity
High ROE: EFSC's Return on Equity (10.3%) is considered low.
Financial Health
How is Enterprise Financial Services's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: EFSC's Assets to Equity ratio (9.3x) is low.
Allowance for Bad Loans: EFSC has a sufficient allowance for bad loans (303%).
Low Risk Liabilities: 94% of EFSC's liabilities are made up of primarily low risk sources of funding.
Loan Level: EFSC has an appropriate level of Loans to Assets ratio (69%).
Low Risk Deposits: EFSC's Loans to Deposits ratio (82%) is appropriate.
Level of Bad Loans: EFSC has an appropriate level of bad loans (0.6%).
Dividend
What is Enterprise Financial Services's current dividend yield, its reliability and sustainability?
1.76%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: EFSC's dividend (1.76%) is higher than the bottom 25% of dividend payers in the US market (1.34%).
High Dividend: EFSC's dividend (1.76%) is low compared to the top 25% of dividend payers in the US market (3.58%).
Stability and Growth of Payments
Stable Dividend: EFSC's dividends per share have been stable in the past 10 years.
Growing Dividend: EFSC's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (18.4%), EFSC's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: EFSC's dividends in 3 years are forecast to be well covered by earnings (18.6% payout ratio).
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
5.3yrs
Average management tenure
CEO
Jim Lally (53 yo)
4.33yrs
Tenure
US$1,556,996
Compensation
Mr. James Brian Lally, also known as Jim, is the Chief Executive Officer and Director of Enterprise Financial Services Corp (NASDAQ: EFSC) May 2, 2017 and is its President since August 9, 2016. Throughout...
CEO Compensation Analysis
Compensation vs Market: Jim's total compensation ($USD1.56M) is below average for companies of similar size in the US market ($USD3.66M).
Compensation vs Earnings: Jim's compensation has been consistent with company performance over the past year.
Leadership Team
Experienced Management: EFSC's management team is seasoned and experienced (5.3 years average tenure).
Board Members
Experienced Board: EFSC's board of directors are considered experienced (7.5 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Ownership Breakdown
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 47.4%.
Top Shareholders
Company Information
Enterprise Financial Services Corp's employee growth, exchange listings and data sources
Key Information
- Name: Enterprise Financial Services Corp
- Ticker: EFSC
- Exchange: NasdaqGS
- Founded: 1988
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$1.671b
- Shares outstanding: 38.62m
- Website: https://www.enterprisebank.com
Number of Employees
Location
- Enterprise Financial Services Corp
- 150 North Meramec Avenue
- Clayton
- Missouri
- 63105
- United States
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/09/16 22:52 |
| End of Day Share Price | 2021/09/16 00:00 |
| Earnings | 2021/06/30 |
| Annual Earnings | 2020/12/31 |
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.