Enterprise Financial Services Corp

NasdaqGS:EFSC Stock Report

Market Cap: US$2.3b

Enterprise Financial Services Valuation

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

Valuation Score

4/6

Valuation Score 4/6

  • 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 ($60.74) is trading below our estimate of fair value ($109.08)

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?

Key metric: As EFSC is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for EFSC. This is calculated by dividing EFSC's market cap by their current earnings.
What is EFSC's PE Ratio?
PE Ratio12.7x
EarningsUS$177.21m
Market CapUS$2.26b

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 Average17.6x
SYBT Stock Yards Bancorp
21x8.6%US$2.2b
SBCF Seacoast Banking Corporation of Florida
22.2x15.5%US$2.6b
CASH Pathward Financial
12.3x5.6%US$2.1b
NBHC National Bank Holdings
15x6.3%US$1.9b
EFSC Enterprise Financial Services
12.7x0.1%US$2.3b

Price-To-Earnings vs Peers: EFSC is good value based on its Price-To-Earnings Ratio (12.7x) compared to the peer average (17.6x).


Price to Earnings Ratio vs Industry

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

4 CompaniesPrice / EarningsEstimated GrowthMarket Cap
FRCB First Republic Bank
0.02xn/aUS$27.98m
BKGM BankGuam Holding
1xn/aUS$18.48m
SBNY Signature Bank
0.002xn/aUS$2.18m
BCBH.F Caribbean Investment Holdings
0.00001xn/aUS$132.00
No more companies available in this PE range
EFSC 12.7xIndustry Avg. 13.2xNo. of Companies92PE0816243240+
4 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: EFSC is good value based on its Price-To-Earnings Ratio (12.7x) compared to the US Banks industry average (13.2x).


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 Ratio12.7x
Fair PE Ratio12.2x

Price-To-Earnings vs Fair Ratio: EFSC is expensive based on its Price-To-Earnings Ratio (12.7x) compared to the estimated Fair Price-To-Earnings Ratio (12.2x).


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$60.74
US$60.75
+0.02%
1.8%US$62.00US$59.00n/a4
Nov ’25US$52.69
US$60.75
+15.3%
1.8%US$62.00US$59.00n/a4
Oct ’25US$49.62
US$59.00
+18.9%
1.7%US$60.00US$58.00n/a4
Sep ’25US$52.91
US$58.75
+11.0%
2.2%US$60.00US$57.00n/a4
Aug ’25US$51.25
US$58.75
+14.6%
2.2%US$60.00US$57.00n/a4
Jul ’25US$40.12
US$46.50
+15.9%
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$40.00US$52.694
Oct ’24US$37.50
US$48.25
+28.7%
4.2%US$50.00US$45.00US$49.624
Sep ’24US$39.86
US$48.75
+22.3%
2.7%US$50.00US$47.00US$52.914
Aug ’24US$41.30
US$48.75
+18.0%
2.7%US$50.00US$47.00US$51.254
Jul ’24US$39.10
US$50.20
+28.4%
4.1%US$53.00US$48.00US$40.125
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

Analyst Forecast: Target price is less than 20% higher than the current share price.


Discover undervalued companies