Enterprise Financial Services Corp

NasdaqGS:EFSC Stock Report

Market Cap: US$2.1b

Enterprise Financial Services Valuation

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

Valuation Score

5/6

Valuation Score 5/6

  • 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 ($57.2) is trading below our estimate of fair value ($109.83)

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 Ratio12x
EarningsUS$177.21m
Market CapUS$2.11b

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 Average16x
SYBT Stock Yards Bancorp
20.1x8.5%US$2.1b
SBCF Seacoast Banking Corporation of Florida
20.2x15.5%US$2.3b
CASH Pathward Financial
10.9x5.6%US$1.8b
TBBK Bancorp
12.7x14.7%US$2.6b
EFSC Enterprise Financial Services
12x1.0%US$2.1b

Price-To-Earnings vs Peers: EFSC is good value based on its Price-To-Earnings Ratio (12x) compared to the peer average (16x).

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 12.0xIndustry Avg. 12.5xNo. of Companies80PE0612182430+
4 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: EFSC is good value based on its Price-To-Earnings Ratio (12x) compared to the US Banks industry average (12.5x).

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 Ratio12x
Fair PE Ratio12.3x

Price-To-Earnings vs Fair Ratio: EFSC is good value based on its Price-To-Earnings Ratio (12x) compared to the estimated Fair Price-To-Earnings Ratio (12.3x).

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$57.20
US$65.75
+14.9%
4.2%US$68.00US$61.00n/a4
Dec ’25US$60.59
US$60.75
+0.3%
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$40.00US$60.594
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

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

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/26 01:21
End of Day Share Price 2024/12/26 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Enterprise Financial Services Corp is covered by 11 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Erik ZwickBoenning & Scattergood, Inc.
Daniel CardenasBoenning & Scattergood, Inc.
null nullD.A. Davidson & Co.