Enterprise Financial Services
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 last earnings update was 75 days ago. More info.
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EFSC Share Price and Events
7 Day Returns
1 Year Returns
EFSC Shareholder Return
| 7 Day | 30 Day | 90 Day | 1 Year | 3 Year | 5 Year | |
|---|---|---|---|---|---|---|
| Enterprise Financial Services (EFSC) | -3.1% | -2.8% | -9.8% | -27.6% | 43.5% | 125.8% |
| US Banks | 0.3% | 4% | 2.2% | -2.5% | 47.8% | 48.2% |
| US Market | 0.8% | 4.3% | 2.8% | 4.8% | 37.9% | 43.5% |
1 Year Return vs Industry and Market
- EFSC underperformed the Banks industry which returned -2.5% over the past year.
- EFSC underperformed the Market in United States of America which returned 4.8% over the past year.
Value
Value is all about what a company is worth versus what price it is
available for. If you went into a grocery store and all the bananas were on sale
at half price, they could be considered
undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current
share
price of
Enterprise Financial Services
to its discounted cash flow analysis.value.The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Below are the data sources, inputs and calculation used to determine the intrinsic value for Enterprise Financial Services.
| Data Point | Source | Value |
|---|---|---|
| Valuation Model | Excess Returns Model | |
| Stable EPS |
Weighted future Return on Equity estimates from 4 analysts.
= Stable Book Value * Return on Equity = $33.26 * 12.9% |
$4.28 |
| Book Value of Equity per Share | Weighted future Book Value estimates from 5 analysts. | $33.26 |
| Discount Rate (Cost of Equity) | See below | 8.1% |
| Perpetual Growth Rate | 10-Year US Government Bond Rate | 2.7% |
An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.
| Data Point | Calculation/ Source | Result |
|---|---|---|
| Risk-Free Rate | 10-Year US Govt Bond Rate | 2.7% |
| Equity Risk Premium | S&P Global | 6% |
| Banks Unlevered Beta | Simply Wall St/ S&P Global | 0.6 |
| Re-levered Beta | = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.597 (1 + (1- 21%) (52.08%)) |
0.894 |
| Levered Beta | Levered Beta limited to 0.8 to 2.0 (practical range for a stable firm) |
0.89 |
| Discount Rate/ Cost of Equity |
= Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.73% + (0.894 * 5.96%) |
8.06% |
Discounted Cash Flow Calculation for NasdaqGS:EFSC using Excess Returns Model Model
The calculations below outline how an intrinsic value for Enterprise Financial Services is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.
In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.
The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.
Note the calculations below are per share.
See our documentation to learn about this calculation.
| Calculation | Result | |
|---|---|---|
| Excess Returns |
= (Stable Return on equity – Cost of equity) (Book Value of
Equity per share)
= (12.9% – 8.06%) * $33.26) |
$1.60 |
| Terminal Value of Excess Returns |
= Excess Returns / (Cost of Equity -
Expected Growth Rate)
= $1.60 / (8.06% - 2.73%) |
$30.07 |
| Value of Equity |
= Book Value per share + Terminal Value of
Excess Returns
= $33.26 + $30.07 |
$63.33 |
| Calculation | Result | |
|---|---|---|
| Value per share (USD) | From above. | $63.33 |
| Current discount | Discount to share price of
$39.77
= -1 x ($39.77 - $63.33) / $63.33 |
37.2% |
Learn more about our DCF calculations in Simply Wall St’s analysis model .
Current Discount
Current Discount Checks
- Enterprise Financial Services's share price is below the future cash flow value, and at a moderate discount (> 20%).
- Enterprise Financial Services's share price is below the future cash flow value, but not at a substantial discount (< 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for
it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing
when they are out of season, or how much your home is worth.The amount the stock market is willing to pay for Enterprise Financial Services's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are
Enterprise Financial Services's earnings available for a low price, and how does
this compare to other companies in the same industry?
| Data Point | Source | Value |
|---|---|---|
| Earnings Per Share * | Company Filings (2019-03-31) in USD | $3.62 |
| NasdaqGS:EFSC Share Price ** | NasdaqGS (2019-07-15) in USD | $39.77 |
| United States of America Banks Industry PE Ratio | Median Figure of 592 Publicly-Listed Banks Companies | 12.88x |
| United States of America Market PE Ratio | Median Figure of 3,084 Publicly-Listed Companies | 18.01x |
* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.
** Primary Listing of Enterprise Financial Services.
| Calculation | Outcome | |
|---|---|---|
| PE Ratio | = NasdaqGS:EFSC Share Price ÷ EPS (both in USD) = 39.77 ÷ 3.62 |
10.97x |
Learn more about our ratios and growth rates in Simply Wall St’s analysis model >
- Enterprise Financial Services is good value based on earnings compared to the US Banks industry average.
- Enterprise Financial Services is good value based on earnings compared to the United States of America market.
Price based on expected Growth
Does
Enterprise Financial Services's expected growth come at a high price?
| Data Point | Source | Value |
|---|---|---|
| PE Ratio | See PE Ratio Section | 10.97x |
| Net Income Annual Growth Rate | See Future Growth Section. Line of Best Fit* through Consensus Estimate Earnings of 4 Analysts |
18.1%per year |
| United States of America Banks Industry PEG Ratio | Median Figure of 271 Publicly-Listed Banks Companies | 1.28x |
| United States of America Market PEG Ratio | Median Figure of 2,124 Publicly-Listed Companies | 1.59x |
*Line of best fit is calculated by linear regression .
| Calculation | Outcome | |
|---|---|---|
| PEG Ratio | = PE Ratio ÷ Net Income Annual Growth Rate = 10.97x ÷ 18.1% |
0.61x |
Learn more about our ratios and growth rates in Simply Wall St’s analysis model >
- Enterprise Financial Services is good value based on expected growth next year.
Price based on value of assets
What value do investors place on
Enterprise Financial Services's
assets?
| Data Point | Source | Value |
|---|---|---|
| Book Value per Share | Company Filings (2019-03-31) in USD | $29.68 |
| NasdaqGS:EFSC Share Price * | NasdaqGS (2019-07-15) in USD | $39.77 |
| United States of America Banks Industry PB Ratio | Median Figure of 592 Publicly-Listed Banks Companies | 1.21x |
| United States of America Market PB Ratio | Median Figure of 5,240 Publicly-Listed Companies | 1.81x |
| Calculation | Outcome | |
|---|---|---|
| PB Ratio | = NasdaqGS:EFSC Share Price ÷ Book Value per Share (both in USD) = 39.77 ÷ 29.68 |
1.34x |
* Primary Listing of Enterprise Financial Services.
Learn more about our ratios and growth rates in Simply Wall St’s analysis model >
- Enterprise Financial Services is overvalued based on assets compared to the US Banks industry average.
Value checks
We assess Enterprise Financial Services's value by looking at:- Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
- Is the PE ratio less than the market average, and/ or less than the Banks industry average (and greater than 0)? (2 checks)
- Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
- Is the PB ratio less than the Banks industry average (and greater than 0)? (1 check) Enterprise Financial Services has a total score of 4/6, see the detailed checks below.
Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.
Full details on the Value part of the Simply Wall St company analysis model.
Future Performance
The future performance of a company is measured in the same way as past
performance, by looking at estimated
growth
and how much profit it is expected to make.Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Earnings growth vs Low Risk Savings
- Enterprise Financial Services's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Growth vs Market Checks
- Enterprise Financial Services's earnings growth is expected to exceed the United States of America market average.
- Enterprise Financial Services's revenue growth is expected to exceed the United States of America market average.
Annual Growth Rates Comparison
| Data Point | Source | Value (per year) |
|---|---|---|
| NasdaqGS:EFSC Future Earnings Growth Rate | Line of Best Fit* through Consensus Estimate Earnings of 4 Analysts | 18.1% |
| NasdaqGS:EFSC Future Revenue Growth Rate | Line of Best Fit* through Consensus Estimate Revenue of 4 Analysts | 13.1% |
| United States of America Banks Industry Earnings Growth Rate | Market Cap Weighted Average | 2.7% |
| United States of America Banks Industry Revenue Growth Rate | Market Cap Weighted Average | 3.9% |
| United States of America Market Earnings Growth Rate | Market Cap Weighted Average | 14.1% |
| United States of America Market Revenue Growth Rate | Market Cap Weighted Average | 7.5% |
*Line of best fit is calculated by linear regression .
Industry and Market average data is calculated daily.
Learn more about our growth rate calculations in Simply Wall St’s analysis model.
Analysts growth expectations
| Data Point | Source | Value |
|---|---|---|
| Past Financials | Company Filings (3 months ago) | See Below |
| Future Estimates | Average of up to 4 Analyst Estimates (S&P Global) | See Below |
| Date (Data in USD Millions) | Revenue | Cash Flow | Net Income * | Avg. No. Analysts |
|---|---|---|---|---|
| 2020-12-31 | 308 | 114 | 3 | |
| 2019-12-31 | 285 | 95 | 4 |
| Date (Data in USD Millions) | Revenue | Cash Flow | Net Income * |
|---|---|---|---|
| 2019-03-31 | 230 | 102 | 84 |
| 2018-12-31 | 223 | 109 | 89 |
| 2018-09-30 | 220 | 92 | 73 |
| 2018-06-30 | 217 | 105 | 67 |
| 2018-03-31 | 211 | 99 | 57 |
| 2017-12-31 | 201 | 46 | 48 |
| 2017-09-30 | 189 | 68 | 54 |
| 2017-06-30 | 176 | 67 | 50 |
| 2017-03-31 | 166 | 47 | 50 |
| 2016-12-31 | 160 | 83 | 49 |
| 2016-09-30 | 156 | 35 | 46 |
| 2016-06-30 | 151 | 36 | 44 |
*GAAP earnings excluding extraordinary items.
Past and Future Earnings per Share
| Data Point | Source | Value |
|---|---|---|
| Past Financials | Company Filings (3 months ago) | See Below |
| Future Estimates | Average of up to 4 Analyst Estimates (S&P Global) | See Below |
All data from Enterprise Financial Services Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.
| Date (Data in USD Millions) | EPS * | EPS High Estimate | EPS Low Estimate | Avg. No. Analysts |
|---|---|---|---|---|
| 2020-12-31 | 4.24 | 4.30 | 4.15 | 4.00 |
| 2019-12-31 | 3.62 | 3.80 | 3.40 | 5.00 |
| Date (Data in USD Millions) | EPS * |
|---|---|
| 2019-03-31 | 3.62 |
| 2018-12-31 | 3.86 |
| 2018-09-30 | 3.17 |
| 2018-06-30 | 2.89 |
| 2018-03-31 | 2.44 |
| 2017-12-31 | 2.10 |
| 2017-09-30 | 2.45 |
| 2017-06-30 | 2.33 |
| 2017-03-31 | 2.45 |
| 2016-12-31 | 2.44 |
| 2016-09-30 | 2.29 |
| 2016-06-30 | 2.19 |
*GAAP earnings excluding extraordinary items.
Performance in 3 years
In the same way as past performance we look at the future estimated return
(profit) compared to the available
funds. We do this looking forward 3 years.
- Unable to establish if Enterprise Financial Services will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
Future performance checks
We assess Enterprise Financial Services's future performance by looking at:- Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
- Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
- Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
- Is the annual earnings growth rate expected to be above 20%? (1 check)
- Is the annual revenue growth rate expected to be above 20%? (1 check)
- Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Enterprise Financial Services has a total score of 3/6, see the detailed checks below.
Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.
Full details on the Future part of the Simply Wall St company analysis model.
Past Performance
How has Enterprise Financial Services performed over the past 5 years?
The past performance of a company can be measured by how much
growth
it has experienced and how much profit it makes relative to the funds and assets
it has available.
Past earnings growth
Past Earnings growth analysis
- Enterprise Financial Services has delivered over 20% year on year earnings growth in the past 5 years.
- Enterprise Financial Services's 1-year earnings growth exceeds its 5-year average (48.9% vs 23.9%)
- Enterprise Financial Services's earnings growth has exceeded the US Banks industry average in the past year (48.9% vs 40.7%).
Earnings and Revenue History
All data from Enterprise Financial Services Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.
| Date (Data in USD Millions) | Revenue | Net Income * | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 2019-03-31 | 229.62 | 84.45 | 88.47 | |
| 2018-12-31 | 223.37 | 89.22 | 85.04 | |
| 2018-09-30 | 219.65 | 73.22 | 83.91 | |
| 2018-06-30 | 216.99 | 67.02 | 82.39 | |
| 2018-03-31 | 210.79 | 56.72 | 82.14 | |
| 2017-12-31 | 201.18 | 48.19 | 80.53 | |
| 2017-09-30 | 188.78 | 54.29 | 77.68 | |
| 2017-06-30 | 176.17 | 49.81 | 73.55 | |
| 2017-03-31 | 166.47 | 50.20 | 68.77 | |
| 2016-12-31 | 159.91 | 48.84 | 65.28 | |
| 2016-09-30 | 156.10 | 45.89 | 63.37 | |
| 2016-06-30 | 151.50 | 43.77 | 62.68 | |
| 2016-03-31 | 143.98 | 40.13 | 61.38 | |
| 2015-12-31 | 140.63 | 38.45 | 60.47 | |
| 2015-09-30 | 134.19 | 33.74 | 60.42 | |
| 2015-06-30 | 133.53 | 32.23 | 60.76 | |
| 2015-03-31 | 131.86 | 30.67 | 61.13 | |
| 2014-12-31 | 127.50 | 27.17 | 62.07 | |
| 2014-09-30 | 125.77 | 24.83 | 65.62 | |
| 2014-06-30 | 126.20 | 25.04 | 64.91 | |
| 2014-03-31 | 133.13 | 28.91 | 63.99 | |
| 2013-12-31 | 138.88 | 33.10 | 63.57 | |
| 2013-09-30 | 137.95 | 33.64 | 59.28 | |
| 2013-06-30 | 137.19 | 32.51 | 62.37 | |
| 2013-03-31 | 133.69 | 29.60 | 61.69 | |
| 2012-12-31 | 128.59 | 25.10 | 59.10 | |
| 2012-09-30 | 131.63 | 27.52 | 59.23 |
*GAAP earnings excluding extraordinary items.
Performance last year
We want to ensure a company is making the most of what it has available. This is
done by comparing the return (profit) to a company's available
funds,
assets
and
capital.
- Enterprise Financial Services has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
- Enterprise Financial Services used its assets more efficiently than the US Banks industry average last year based on Return on Assets.
- Unable to establish if Enterprise Financial Services improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
Past performance checks
We assess Enterprise Financial Services's performance over the past 5 years by checking for:- Has earnings increased in past 5 years? (1 check)
- Has the earnings growth in the last year exceeded that of the Banks industry? (1 check)
- Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
- Is the Return on Equity (ROE) higher than 20%? (1 check)
- Is the Return on Assets (ROA) above industry average? (1 check)
- Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
Enterprise Financial Services has a total score of 4/6, see the detailed checks below.
Note: We use GAAP Net Income excluding extraordinary items in all our calculations.
Full details on the Past part of the Simply Wall St company analysis model.
Health
This company is a bank or financial institution.Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Balance sheet
Assets
Liabilities and shares
Historical Debt
Nearly all companies have debt. Debt in itself isn’t
bad,
however if the debt is too high, or the company can’t afford to pay the interest
on its debts this may have impacts in the future.The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.
If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
All data from Enterprise Financial Services Company Filings, last reported 3 months ago.
| Date (Data in USD Millions) | Total Equity | Total Debt | Cash & Short Term Investments |
|---|---|---|---|
| 2019-03-31 | 797.84 | 541.27 | 225.01 |
| 2018-12-31 | 603.80 | 414.63 | 186.36 |
| 2018-09-30 | 586.84 | 685.83 | 163.07 |
| 2018-06-30 | 574.08 | 652.24 | 183.50 |
| 2018-03-31 | 555.02 | 513.34 | 148.21 |
| 2017-12-31 | 548.57 | 548.11 | 140.69 |
| 2017-09-30 | 546.34 | 589.34 | 186.08 |
| 2017-06-30 | 548.75 | 539.83 | 120.24 |
| 2017-03-31 | 537.92 | 509.64 | 215.09 |
| 2016-12-31 | 387.10 | 386.54 | 184.92 |
| 2016-09-30 | 381.10 | 377.93 | 120.71 |
| 2016-06-30 | 371.63 | 337.43 | 111.69 |
| 2016-03-31 | 359.38 | 390.08 | 114.35 |
| 2015-12-31 | 350.83 | 438.29 | 81.19 |
| 2015-09-30 | 343.56 | 328.24 | 128.06 |
| 2015-06-30 | 332.43 | 319.52 | 100.98 |
| 2015-03-31 | 326.11 | 250.85 | 100.53 |
| 2014-12-31 | 316.24 | 441.60 | 89.83 |
| 2014-09-30 | 308.75 | 364.88 | 129.08 |
| 2014-06-30 | 301.56 | 383.83 | 127.67 |
| 2014-03-31 | 291.45 | 378.09 | 142.94 |
| 2013-12-31 | 279.71 | 327.90 | 199.08 |
| 2013-09-30 | 277.74 | 362.36 | 106.94 |
| 2013-06-30 | 247.68 | 464.23 | 102.32 |
| 2013-03-31 | 243.70 | 372.18 | 125.27 |
| 2012-12-31 | 235.75 | 412.13 | 99.35 |
| 2012-09-30 | 267.52 | 361.95 | 86.30 |
BANK ANALYSIS
This company is a bank or financial institution, which is analysed accordingly below.
- Enterprise Financial Services has an acceptable proportion of non-loan assets held.
- Enterprise Financial Services's liabilities are made up of primarily low risk sources of funding.
- Loans at Enterprise Financial Services are broadly funded by customer deposits.
- Enterprise Financial Services's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
- Enterprise Financial Services has a sufficient allowance for bad loans.
- Enterprise Financial Services has an acceptable level of bad loans (less than 2%).
Financial health checks
We assess Enterprise Financial Services's financial health by checking for:- Are short term assets greater than short term liabilities? (1 check)
- Are short term assets greater than long term liabilities? (1 check)
- Has the debt to equity ratio increased in the past 5 years? (1 check)
- Is the debt to equity ratio over 40%? (1 check)
- Is the debt covered by operating cash flow? (1 check)
- Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check) Enterprise Financial Services has a total score of 6/6, see the detailed checks below.
- Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
- Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
Full details on the Health part of the Simply Wall St company analysis model.
Dividends
What is Enterprise Financial Services's current dividend yield, its reliability and sustainability?
Dividends are regular cash payments to you from the company, similar to a
bank paying you interest on a savings account.
Annual Dividend Income
If you bought
$2,000 of
Enterprise Financial Services
shares you are expected to receive
$30
in your first year as a dividend.
Dividend Amount
- Enterprise Financial Services's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.41%).
- Enterprise Financial Services's dividend is below the markets top 25% of dividend payers in United States of America (3.71%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not
wildly increasing/decreasing each year. This graph shows you the historical rate
to count toward your assessment of the stock.We also check to see if the dividend has increased in the past 10 years.
| Data Point | Source | Value |
|---|---|---|
| Past Annualized Dividend Yield | S&P Global Market Data | See Below |
| Past Dividends per Share | Company Filings/ Annualized Dividend Payments | See Below |
| Future Dividends per Share Estimates | Average of up to 4 Analyst Estimates (S&P Global) | See Below |
| United States of America Banks Industry Average Dividend Yield | Market Cap Weighted Average of 479 Stocks | 2.9% |
| United States of America Market Average Dividend Yield | Market Cap Weighted Average of 2018 Stocks | 2.4% |
| United States of America Minimum Threshold Dividend Yield | 10th Percentile | 0.8% |
| United States of America Bottom 25% Dividend Yield | 25th Percentile | 1.4% |
| United States of America Top 25% Dividend Yield | 75th Percentile | 3.7% |
Industry and Market average data is calculated daily.
Note all dividend per share amounts are annualized and not quarterly or other period.
| Date (Data in $) | Dividend per Share (annual) | Avg. No. Analysts |
|---|---|---|
| 2020-12-31 | 0.65 | 5.00 |
| 2019-12-31 | 0.59 | 5.00 |
| Date (Data in $) | Dividend per share (annual) | Avg. Yield (%) |
|---|---|---|
| 2019-05-01 | 0.600 | 1.459 |
| 2019-04-23 | 0.600 | 1.402 |
| 2019-02-22 | 0.560 | 1.300 |
| 2019-01-22 | 0.560 | 1.243 |
| 2018-10-26 | 0.520 | 1.250 |
| 2018-10-22 | 0.520 | 1.213 |
| 2018-07-27 | 0.480 | 0.886 |
| 2018-07-23 | 0.480 | 0.843 |
| 2018-04-23 | 0.440 | 0.814 |
| 2018-02-23 | 0.440 | 0.918 |
| 2018-01-22 | 0.440 | 0.917 |
| 2017-10-27 | 0.440 | 0.986 |
| 2017-10-23 | 0.440 | 1.000 |
| 2017-07-31 | 0.440 | 1.100 |
| 2017-07-24 | 0.440 | 1.104 |
| 2017-04-28 | 0.440 | 1.067 |
| 2017-04-24 | 0.440 | 1.016 |
| 2017-02-24 | 0.440 | 1.035 |
| 2017-01-23 | 0.440 | 1.026 |
| 2016-07-28 | 0.440 | 1.286 |
| 2016-04-29 | 0.400 | 1.453 |
| 2016-04-28 | 0.400 | 1.474 |
| 2016-02-26 | 0.360 | 1.327 |
| 2016-01-28 | 0.360 | 1.327 |
| 2015-10-30 | 0.320 | 1.132 |
| 2015-10-22 | 0.320 | 1.115 |
| 2015-07-31 | 0.280 | 1.135 |
| 2015-07-23 | 0.280 | 1.181 |
| 2015-05-04 | 0.240 | 1.087 |
| 2015-03-03 | 0.210 | 1.018 |
| 2014-12-02 | 0.210 | 1.069 |
| 2014-09-02 | 0.210 | 1.180 |
| 2014-06-02 | 0.210 | 1.183 |
| 2014-03-03 | 0.210 | 1.116 |
| 2013-11-27 | 0.210 | 1.097 |
| 2013-08-30 | 0.210 | 1.200 |
| 2013-06-03 | 0.210 | 1.240 |
| 2013-03-04 | 0.210 | 1.448 |
| 2012-09-04 | 0.210 | 1.570 |
| 2012-06-05 | 0.210 | 1.823 |
| 2012-03-02 | 0.210 | 1.825 |
| 2011-12-02 | 0.210 | 1.549 |
| 2011-08-31 | 0.210 | 1.468 |
| 2011-06-01 | 0.210 | 1.559 |
| 2011-05-10 | 0.210 | 1.557 |
| 2011-03-11 | 0.210 | 1.555 |
| 2011-01-25 | 0.210 | 1.632 |
| 2010-11-05 | 0.210 | 1.936 |
| 2010-08-06 | 0.210 | 2.348 |
| 2010-05-07 | 0.210 | 2.113 |
| 2010-03-16 | 0.210 | 1.939 |
| 2009-11-06 | 0.210 | 2.517 |
| 2009-08-10 | 0.210 | 2.144 |
| 2009-05-11 | 0.210 | 2.226 |
| 2009-03-16 | 0.210 | 2.079 |
| 2009-01-30 | 0.210 | 2.056 |
| 2008-11-07 | 0.210 | 1.566 |
| 2008-08-11 | 0.210 | 1.138 |
| 2008-07-17 | 0.210 | 1.111 |
Learn more about our ratios and growth rates in Simply Wall St’s analysis model >
- Dividends per share have been stable in the past 10 years.
- Dividends per share have increased over the past 10 years.
Current Payout to shareholders
What portion of
Enterprise Financial Services's earnings are
paid
to the shareholders as a dividend.
- Dividends paid are thoroughly covered by earnings (7.2x coverage).
- Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
Income/ dividend checks
We assess Enterprise Financial Services's dividend by checking for:- Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
- Is current dividend yield above the bottom 25% of dividend payers? (1 check)
- Is current dividend yield above the top 25% of dividend payers? (1 check)
- Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
- If they have paid a dividend for 10 years has it increased in this time? (1 check)
- How sustainable is the dividend, can Enterprise Financial Services afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks) Enterprise Financial Services has a total score of 4/6, see the detailed checks below.
Full details on the Dividends part of the Simply Wall St company analysis model.
Management
CEO
| COMPENSATION | $1,141,822 |
| AGE | 51 |
| TENURE AS CEO | 2.2 years |
CEO Bio
Mr. James Brian Lally, also known as Jim, is the President, Chief Executive Officer and Director of Enterprise Financial Services Corp (NASDAQ: EFSC) since August 9, 2016 & May 2, 2017 respectively. Throughout his career, Mr. Lally has helped EFSC achieve record financial results, increased market share, and industry-leading customer satisfaction. Before being named Chief Executive Officer in May 2017, he served as President of EFSC, Director of Fee Businesses and Director of Commercial Banking for Enterprise Bank & Trust, it's principal subsidiary. Before joining EFSC, he worked in various commercial banking capacities with U.S. Bank and Commerce Bank. He serves as Director of Enterprise Bank & Trust since 2016. He serves on the board of Wallis Companies, St. Joseph’s Academy Finance Committee, St. Louis Archdiocesan Finance Council, St Louis Archdiocesan Property and Finance Committee, and is Trustee of the St. Louis Archdiocesan Fund. Currently, he is a member of the Regional Business Council of St. Louis and the Friends of Scouting Campaign Chairman for the New Horizons District of the Boy Scouts of Greater St. Louis. His past civic involvements include membership on the executive leadership team of the St. Louis Chapter of the American Heart Association and the Algonquin Golf Club. He received his MBA from the University of Missouri–St. Louis and his Bachelor of Science degree in finance from Saint Louis University.
CEO Compensation
- Jim's compensation has been consistent with company performance over the past year, both up more than 20%.
- Jim's remuneration is lower than average for companies of similar size in United States of America.
Management Team Tenure
Average tenure and age of the Enterprise Financial Services management team in years:
- The average tenure for the Enterprise Financial Services management team is over 5 years, this suggests they are a seasoned and experienced team.
Management Team
Jim Lally
President
$1M
51
2.2 yrs
Keene Turner
Executive VP & CFO
$843K
39
5.8 yrs
Nicole Iannacone
Senior VP
$420K
38
5.5 yrs
Scott Goodman
Executive Vice President
$692K
55
Doug Bauche
Chief Credit Officer of Enterprise Bank & Trust
$489K
49
3.2 yrs
Troy Dumlao
Senior VP & Chief Accounting Officer
47
0.3 yrs
Mark Ponder
Executive VP & Chief Administrative Officer
$380K
49
Linda Hanson
Vice Chairman of Enterprise Bank & Trust - Kansas City
$321K
58
Richard Jensen
Vice Chairman of Enterprise Trust
73
7.5 yrs
Loren White
Senior VP & Head of HR of Enterprise Bank & Trust
62
5.4 yrs
Board of Directors Tenure
Average tenure and age of the Enterprise Financial Services board of directors in years:
- The tenure for the Enterprise Financial Services board of directors is about average.
Board of Directors
John Eulich
Chairman of the Board
$109K
68
3.2 yrs
Jim Lally
President
$1M
51
2.2 yrs
Scott Goodman
Executive Vice President
$692K
55
C. Burdette
Executive VP and Chairman of the Kansas City Region - Enterprise Bank & Trust
$345K
60
Jack Barry
Chairman & CEO of Enterprise Arizona Region
$378K
63
Steve Marsh
Chairman of Enterprise Bank & Trust
$515K
63
16.3 yrs
Sandra Van Trease
Director
$62K
58
14.5 yrs
Judy Heeter
Director
$60K
68
7.4 yrs
Michael Holmes
Director
$64K
60
3.7 yrs
Robert Guest
Director
$66K
64
17.3 yrs
Who owns this company?
Recent Insider Transactions
| Announced | Type | Name | Entity | Role | Start | End | Shares | Max Price ($) | Value ($) | |
|---|---|---|---|---|---|---|---|---|---|---|
| 21. Nov 18 | Buy | John Arnold | Individual | 19. Nov 18 | 19. Nov 18 | 1,000 | $45.59 | $45,590 | ||
| 13. Nov 18 | Buy | John Eulich | Individual | 09. Nov 18 | 09. Nov 18 | 10,000 | $45.84 | $458,400 | ||
| 07. Sep 18 | Sell | Douglas Bauche | Individual | 05. Sep 18 | 05. Sep 18 | -750 | $56.20 | $-42,150 | ||
Management checks
We assess Enterprise Financial Services's management by checking for:- Is the CEO's compensation unreasonable compared to market cap? (1 check)
- Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
- Is the average tenure of the management team less than 2 years? (1 check)
- Is the average tenure of the board of directors team less than 3 years? (1 check) Enterprise Financial Services has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.
Note: We use the top 6 management executives and board members in our calculations.
Note 2: Insider trading include any internal stakeholders and these transactions .
Full details on the Management part of the Simply Wall St company analysis model.
News
Simply Wall St News
Are Insiders Buying Enterprise Financial Services Corp (NASDAQ:EFSC) Stock?
So shareholders might well want to know whether insiders have been buying or selling shares in Enterprise Financial Services Corp (NASDAQ:EFSC). … As Peter Lynch said, 'insiders might sell their shares for any number of reasons, but they buy them for only one: they think the price will rise.' Check out our latest analysis for Enterprise Financial Services The Last 12 Months Of Insider Transactions At Enterprise Financial Services Chairman of the Board John Eulich made the biggest insider purchase in the last 12 months. … It appears that Enterprise Financial Services insiders own 2.3% of the company, worth about US$25m.
Simply Wall St - – Full articleShareholders Are Loving Enterprise Financial Services Corp's (NASDAQ:EFSC) 1.5% Yield
Enterprise Financial Services has been paying dividends for a long time, but for the purpose of this analysis, we only examine the past 10 years of payments. … Dividend Growth Potential While dividend payments have been relatively reliable, it would also be nice if earnings per share (EPS) were growing, as this is essential to maintaining the dividend's purchasing power over the long term. It's good to see Enterprise Financial Services has been growing its earnings per share at 15% a year over the past 5 years. Rapid earnings growth and a low payout ratio suggests this company has been effectively reinvesting in its business. Should that continue, this company could have a bright future. Conclusion Dividend investors should always want to know if a) a company's dividends are affordable, b) if there is a track record of consistent payments, and c) if the dividend is capable of growing. … Earnings growth generally bodes well for the future value of company dividend payments.
Simply Wall St - – Full articleDo You Know What Enterprise Financial Services Corp's (NASDAQ:EFSC) P/E Ratio Means?
We'll look at Enterprise Financial Services Corp's (NASDAQ:EFSC) P/E ratio and reflect on what it tells us about the company's share price. … The formula for price to earnings is: Price to Earnings Ratio = Price per Share ÷ Earnings per Share (EPS) Or for Enterprise Financial Services: P/E of 11.18 = $40.5 ÷ $3.62 (Based on the trailing twelve months to March 2019.) Is A High P/E Ratio Good? … NasdaqGS:EFSC Price Estimation Relative to Market, June 5th 2019 Enterprise Financial Services's P/E tells us that market participants think it will not fare as well as its peers in the same industry.
Simply Wall St - – Full articleWhat Kind Of Shareholders Own Enterprise Financial Services Corp (NASDAQ:EFSC)?
See our latest analysis for Enterprise Financial Services NasdaqGS:EFSC Ownership Summary, May 23rd 2019 What Does The Institutional Ownership Tell Us About Enterprise Financial Services? … As you can see, institutional investors own 80% of Enterprise Financial Services. … Insider Ownership Of Enterprise Financial Services The definition of company insiders can be subjective, and does vary between jurisdictions.
Simply Wall St - – Full articleInvestors Who Bought Enterprise Financial Services (NASDAQ:EFSC) Shares Five Years Ago Are Now Up 140%
For example, the Enterprise Financial Services Corp (NASDAQ:EFSC) share price has soared 140% in the last half decade. … Over half a decade, Enterprise Financial Services managed to grow its earnings per share at 19% a year. … A Different Perspective Enterprise Financial Services shareholders are down 20% for the year (even including dividends), but the market itself is up 6.3%.
Simply Wall St - – Full articleDoes Enterprise Financial Services Corp (NASDAQ:EFSC) Have A High Beta?
If you're interested in Enterprise Financial Services Corp (NASDAQ:EFSC), then you might want to consider its beta (a measure of share price volatility) in order to understand how the stock could impact your portfolio. … Some investors use beta as a measure of how much a certain stock is impacted by market risk (volatility). … While we should keep in mind that Warren Buffett has cautioned that 'Volatility is far from synonymous with risk', beta is still a useful factor to consider.
Simply Wall St - – Full articleWith EPS Growth And More, Enterprise Financial Services (NASDAQ:EFSC) Is Interesting
If, on the other hand, you like companies that have revenue, and even earn profits, then you may well be interested in Enterprise Financial Services (NASDAQ:EFSC). … Not all of Enterprise Financial Services's revenue this year is revenue from operations, so keep in mind the revenue and margin numbers I've used might not be the best representation of the underlying business. … Enterprise Financial Services maintained stable EBIT margins over the last year, all while growing revenue 11% to US$223m.
Simply Wall St - – Full articleDid You Miss Enterprise Financial Services's (NASDAQ:EFSC) Impressive 110% Share Price Gain?
For instance, the price of Enterprise Financial Services Corp (NASDAQ:EFSC) stock is up an impressive 110% over the last five years. … One way to examine how market sentiment has changed over time is to look at the interaction between a company's share price and its earnings per share (EPS). … Over half a decade, Enterprise Financial Services managed to grow its earnings per share at 17% a year.
Simply Wall St - – Full articleEnterprise Financial Services Corp (NASDAQ:EFSC) Insiders Increased Their Holdings
So shareholders might well want to know whether insiders have been buying or selling shares in Enterprise Financial Services Corp (NASDAQ:EFSC). … Enterprise Financial Services Insider Transactions Over The Last Year. … In the last twelve months there was more buying than selling by Enterprise Financial Services insiders
Simply Wall St - – Full articleHere's How P/E Ratios Can Help Us Understand Enterprise Financial Services Corp (NASDAQ:EFSC)
To keep it practical, we'll show how Enterprise Financial Services Corp's (NASDAQ:EFSC) P/E ratio could help you assess the value on offer. … Enterprise Financial Services has a P/E ratio of 11.77, based on the last twelve months. … Price to Earnings Ratio = Price per Share ÷ Earnings per Share (EPS)
Simply Wall St - – Full articleCompany Info
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 demand deposits, interest-bearing transaction accounts, money market accounts, and savings deposits, as well as certificates of deposit. It also provides commercial and industrial, commercial real estate, real estate construction and development, residential real estate, and consumer loans. In addition, the company provides 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 services; and debit and credit cards. Additionally, the company provides international banking, 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. As of December 31, 2018, it had 19 banking locations and 3 limited service facilities in the St. Louis metropolitan area; 7 banking locations in the Kansas City metropolitan area; and 2 banking locations in the Phoenix metropolitan area. Enterprise Financial Services Corp was founded in 1988 and is headquartered in Clayton, Missouri.
Details
| Name: | Enterprise Financial Services Corp |
| EFSC | |
| Exchange: | NasdaqGS |
| Founded: | 1988 |
| $1,069,033,826 | |
| 26,880,408 | |
| Website: | http://www.enterprisebank.com |
| Address: |
Enterprise Financial Services Corp 150 North Meramec Avenue, Clayton, Missouri, 63105, United States |
Listings
| Exchange Symbol | Ticker Symbol | Security | Exchange | Country | Currency | Listed on | |
|---|---|---|---|---|---|---|---|
| NasdaqGS | EFSC | Common Shares | Nasdaq Global Select | US | USD | 26. Apr 2001 |
Number of employees
Current staff
Industry
| Regional Banks | |
| Banks |
Company Analysis and Financial Data Status
| Area | Date (UTC time) |
|---|---|
| Company Analysis updated: | 2019/07/15 23:39 |
| End of day share price update: | 2019/07/15 00:00 |
| Last estimates confirmation: | 2019/07/07 |
| Last earnings filing: | 2019/05/01 |
| Last earnings reported: | 2019/03/31 |
| Last annual earnings reported: | 2018/12/31 |
All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.
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.
