Enterprise Financial Services Corp

NasdaqGS:EFSC Stock Report

Market Cap: US$1.4b

Enterprise Financial Services Valuation

Is EFSC undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

6/6

Valuation Score 6/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

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 ($38.43) is trading below our estimate of fair value ($92.44)

Significantly Below Fair Value: EFSC is trading below fair value by more than 20%.


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.

EFSC key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ratio-2.4x

Price to Earnings Ratio vs Peers

How does EFSC's PE Ratio compare to its peers?

The above table shows the PE ratio for EFSC vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average9.9x
SYBT Stock Yards Bancorp
13.3x2.1%US$1.4b
WABC Westamerica Bancorporation
7.9x-11.1%US$1.2b
CASH Pathward Financial
8x-5.3%US$1.4b
NBHC National Bank Holdings
10.6x-4.4%US$1.4b
EFSC Enterprise Financial Services
8.2x-3.5%US$1.4b

Price-To-Earnings vs Peers: EFSC is good value based on its Price-To-Earnings Ratio (8.2x) compared to the peer average (9.9x).


Price to Earnings Ratio vs Industry

How does EFSC's PE Ratio compare vs other companies in the US Banks Industry?

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a8.6%
n/an/an/a
No. of CompaniesPE048121620

Fetching data

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a8.6%
n/an/an/a
No more companies

Price-To-Earnings vs Industry: EFSC is good value based on its Price-To-Earnings Ratio (8.2x) compared to the US Banks industry average (9.6x).


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.

EFSC PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio8.2x
Fair PE Ratio9.7x

Price-To-Earnings vs Fair Ratio: EFSC is good value based on its Price-To-Earnings Ratio (8.2x) compared to the estimated Fair Price-To-Earnings Ratio (9.7x).


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst EFSC forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$38.43
US$46.50
+21.0%
3.6%US$49.00US$45.00n/a4
Jun ’25US$38.69
US$46.50
+20.2%
3.6%US$49.00US$45.00n/a4
May ’25US$38.97
US$46.50
+19.3%
3.6%US$49.00US$45.00n/a4
Apr ’25US$39.19
US$49.25
+25.7%
3.0%US$51.00US$47.00n/a4
Mar ’25US$39.65
US$49.25
+24.2%
3.0%US$51.00US$47.00n/a4
Feb ’25US$40.57
US$49.25
+21.4%
3.0%US$51.00US$47.00n/a4
Jan ’25US$44.65
US$46.25
+3.6%
4.2%US$48.00US$43.00n/a4
Dec ’24US$41.38
US$43.00
+3.9%
5.9%US$47.00US$40.00n/a4
Nov ’24US$34.79
US$43.00
+23.6%
5.9%US$47.00US$40.00n/a4
Oct ’24US$37.50
US$48.25
+28.7%
4.2%US$50.00US$45.00n/a4
Sep ’24US$39.86
US$48.75
+22.3%
2.7%US$50.00US$47.00n/a4
Aug ’24US$41.30
US$48.75
+18.0%
2.7%US$50.00US$47.00n/a4
Jul ’24US$39.10
US$50.20
+28.4%
4.1%US$53.00US$48.00n/a5
Jun ’24US$40.58
US$51.00
+25.7%
3.5%US$53.00US$48.00US$38.695
May ’24US$42.23
US$51.00
+20.8%
3.5%US$53.00US$48.00US$38.975
Apr ’24US$44.59
US$58.80
+31.9%
4.2%US$61.00US$54.00US$39.195
Mar ’24US$55.03
US$60.20
+9.4%
1.2%US$61.00US$59.00US$39.655
Feb ’24US$53.58
US$60.20
+12.4%
1.2%US$61.00US$59.00US$40.575
Jan ’24US$48.96
US$57.83
+18.1%
3.5%US$60.00US$54.00US$44.656
Dec ’23US$52.05
US$57.83
+11.1%
3.5%US$60.00US$54.00US$41.386
Nov ’23US$53.57
US$57.83
+8.0%
3.5%US$60.00US$54.00US$34.796
Oct ’23US$44.04
US$52.50
+19.2%
6.3%US$56.00US$46.00US$37.506
Sep ’23US$45.80
US$52.50
+14.6%
6.3%US$56.00US$46.00US$39.866
Aug ’23US$46.36
US$52.50
+13.2%
6.3%US$56.00US$46.00US$41.306
Jul ’23US$42.06
US$52.67
+25.2%
7.2%US$58.00US$46.00US$39.106
Jun ’23US$45.77
US$55.00
+20.2%
5.0%US$59.00US$51.00US$40.586

Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.


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