EFSC Stock 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.
No risks detected for EFSC from our risk checks.
Enterprise Financial Services Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$45.52|
|52 Week High||US$51.50|
|52 Week Low||US$39.64|
|1 Month Change||-4.73%|
|3 Month Change||6.28%|
|1 Year Change||1.34%|
|3 Year Change||11.13%|
|5 Year Change||7.49%|
|Change since IPO||313.82%|
Recent News & Updates
Enterprise Financial Services' (NASDAQ:EFSC) Shareholders Will Receive A Bigger Dividend Than Last Year
Enterprise Financial Services Corp ( NASDAQ:EFSC ) will increase its dividend from last year's comparable payment on...
Enterprise Financial Services' (NASDAQ:EFSC) Dividend Will Be Increased To $0.23
Enterprise Financial Services Corp ( NASDAQ:EFSC ) has announced that it will be increasing its dividend from last...
Enterprise Financial Services GAAP EPS of $1.19 beats by $0.07, revenue of $125.61M beats by $3.21M
Enterprise Financial Services press release (NASDAQ:EFSC): Q2 GAAP EPS of $1.19 beats by $0.07. Revenue of $125.61M (+28.3% Y/Y) beats by $3.21M.
|EFSC||US Banks||US Market|
Return vs Industry: EFSC exceeded the US Banks industry which returned -21.7% over the past year.
Return vs Market: EFSC exceeded the US Market which returned -23.1% over the past year.
|EFSC Average Weekly Movement||3.1%|
|Banks Industry Average Movement||3.4%|
|Market Average Movement||6.9%|
|10% most volatile stocks in US Market||15.8%|
|10% least volatile stocks in US Market||2.8%|
Stable Share Price: EFSC is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: EFSC's weekly volatility (3%) has been stable over the past year.
About the Company
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.
Enterprise Financial Services Fundamentals Summary
|EFSC fundamental statistics|
Is EFSC overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|EFSC income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Jun 30, 2022
Next Earnings Date
|Earnings per share (EPS)||4.18|
|Net Profit Margin||33.85%|
How did EFSC perform over the long term?See historical performance and comparison
2.0%Current Dividend Yield
Is EFSC undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 4/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for EFSC?
Other financial metrics that can be useful for relative valuation.
|What is EFSC's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does EFSC's PE Ratio compare to its peers?
|EFSC PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
SASR Sandy Spring Bancorp
FBK FB Financial
TBK Triumph Bancorp
MCHB Mechanics Bank
EFSC Enterprise Financial Services
Price-To-Earnings vs Peers: EFSC is good value based on its Price-To-Earnings Ratio (10.9x) compared to the peer average (14.3x).
Price to Earnings Ratio vs Industry
How does EFSC's PE Ratio compare vs other companies in the US Banks Industry?
Price-To-Earnings vs Industry: EFSC is expensive based on its Price-To-Earnings Ratio (10.9x) compared to the US Banks industry average (9.7x)
Price to Earnings Ratio vs Fair Ratio
What is EFSC's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||10.9x|
|Fair PE Ratio||12.7x|
Price-To-Earnings vs Fair Ratio: EFSC is good value based on its Price-To-Earnings Ratio (10.9x) compared to the estimated Fair Price-To-Earnings Ratio (12.7x).
Share Price vs Fair Value
What is the Fair Price of EFSC when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: EFSC ($45.52) is trading below our estimate of fair value ($131.05)
Significantly Below Fair Value: EFSC is trading below fair value by more than 20%.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Target price is less than 20% higher than the current share price.
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How is Enterprise Financial Services forecast to perform in the next 1 to 3 years based on estimates from 6 analysts?
Future Growth Score2/6
Future Growth Score 2/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: EFSC's forecast earnings growth (6.4% per year) is above the savings rate (1.9%).
Earnings vs Market: EFSC's earnings (6.4% per year) are forecast to grow slower than the US market (14.7% per year).
High Growth Earnings: EFSC's earnings are forecast to grow, but not significantly.
Revenue vs Market: EFSC's revenue (8.5% per year) is forecast to grow faster than the US market (7.6% per year).
High Growth Revenue: EFSC's revenue (8.5% 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 (12.3%).
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How has Enterprise Financial Services performed over the past 5 years?
Past Performance Score4/6
Past Performance Score 4/6
Growing Profit Margin
Earnings vs Industry
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 lower than last year (34.5%).
Past Earnings Growth Analysis
Earnings Trend: EFSC's earnings have grown by 19.2% per year over the past 5 years.
Accelerating Growth: EFSC's earnings growth over the past year (34.9%) exceeds its 5-year average (19.2% per year).
Earnings vs Industry: EFSC earnings growth over the past year (34.9%) exceeded the Banks industry 8.7%.
Return on Equity
High ROE: EFSC's Return on Equity (10.9%) is considered low.
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How is Enterprise Financial Services's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score6/6
Financial Health Score 6/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: EFSC's Assets to Equity ratio (9x) is low.
Allowance for Bad Loans: EFSC has a sufficient allowance for bad loans (719%).
Low Risk Liabilities: 95% 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 (70%).
Low Risk Deposits: EFSC's Loans to Deposits ratio (82%) is appropriate.
Level of Bad Loans: EFSC has an appropriate level of bad loans (0.2%).
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What is Enterprise Financial Services's current dividend yield, its reliability and sustainability?
Dividend Score 5/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: EFSC's dividend (2.02%) is higher than the bottom 25% of dividend payers in the US market (1.65%).
High Dividend: EFSC's dividend (2.02%) is low compared to the top 25% of dividend payers in the US market (4.57%).
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
Earnings Coverage: With its low payout ratio (19.8%), 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 (18.1% payout ratio).
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Jim Lally (54 yo)
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 ($USD2.45M) is below average for companies of similar size in the US market ($USD5.62M).
Compensation vs Earnings: Jim's compensation has increased by more than 20% in the past year.
Experienced Management: EFSC's management team is seasoned and experienced (6.2 years average tenure).
Experienced Board: EFSC's board of directors are considered experienced (6.2 years average tenure).
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
|13 Dec 21||SellUS$1,488,360||Peter Hui||Individual||31,000||US$48.08|
|24 Nov 21||SellUS$6,764,800||Castle Creek Capital LLC||Company||140,000||US$48.32|
|23 Nov 21||SellUS$4,833,804||Castle Creek Capital LLC||Company||100,000||US$48.42|
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
|Ownership||Name||Shares||Current Value||Change %||Portfolio %|
Enterprise Financial Services Corp's employee growth, exchange listings and data sources
- Name: Enterprise Financial Services Corp
- Ticker: EFSC
- Exchange: NasdaqGS
- Founded: 1988
- Industry: Regional Banks
- Sector: Banks
- Implied Market Cap: US$1.694b
- Shares outstanding: 37.22m
- Website: https://www.enterprisebank.com
Number of Employees
- Enterprise Financial Services Corp
- 150 North Meramec Avenue
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|EFSC||NasdaqGS (Nasdaq Global Select)||Yes||Common Shares||US||USD||Apr 2001|
|GV9||DB (Deutsche Boerse AG)||Yes||Common Shares||DE||EUR||Apr 2001|
|EFSC.P||NasdaqGS (Nasdaq Global Select)||5% DEP PFD SR A||US||USD||Nov 2021|
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/09/24 00:00|
|End of Day Share Price||2022/09/23 00:00|
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.