EFSC

Enterprise Financial ServicesNasdaqGS:EFSC Stock Report

Market Cap

US$1.7b

7D

-1.5%

1Y

50.7%

Updated

16 Sep, 2021

Data

Company Financials +
EFSC fundamental analysis
Snowflake Score
Valuation3/6
Future Growth2/6
Past Performance4/6
Financial Health6/6
Dividends5/6

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

Summary of all time highs, changes and price drops for Enterprise Financial Services
Historical stock prices
Current Share PriceUS$43.25
52 Week HighUS$25.21
52 Week LowUS$52.00
Beta1.4
1 Month Change-4.97%
3 Month Change-6.18%
1 Year Change50.75%
3 Year Change-20.42%
5 Year Change35.92%
Change since IPO293.18%

Recent News & Updates

Sep 05
Enterprise Financial Services (NASDAQ:EFSC) Is Paying Out A Larger Dividend Than Last Year

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...

Aug 03
Enterprise Financial Services (NASDAQ:EFSC) Is Increasing Its Dividend To US$0.19

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

EFSCUS BanksUS Market
7D-1.5%-0.1%-0.6%
1Y50.7%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

Is EFSC's price volatile compared to industry and market?
EFSC volatility
EFSC Beta1.4
Industry Beta1.37
Market Beta1

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

FoundedEmployeesCEOWebsite
1988805Jim Lallyhttps://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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/09/16 22:52
End of Day Share Price2021/09/16 00:00
Earnings2021/06/30
Annual Earnings2020/12/31


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.