OTCPK:EFSG

Stock Analysis Report

Enterprise Financial Services Group

Executive Summary

Enterprise Financial Services Group, Inc., through its wholly-owned subsidiary, Enterprise Bank, provides various banking products and services to small businesses in Allegheny County, Pennsylvania.

Snowflake

Fundamentals

Adequate balance sheet and fair value.


Similar Companies

Share Price & News

How has Enterprise Financial Services Group's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

EFSG

2.7%

US Banks

0.4%

US Market


1 Year Return

-0.5%

EFSG

2.7%

US Banks

6.9%

US Market

Return vs Industry: EFSG underperformed the US Banks industry which returned 2.7% over the past year.

Return vs Market: EFSG underperformed the US Market which returned 6.9% over the past year.


Shareholder returns

EFSGIndustryMarket
7 Day0%2.7%0.4%
30 Day0%0.7%-1.1%
90 Day7.5%3.0%-0.5%
1 Year1.7%-0.5%5.7%2.7%9.3%6.9%
3 Year50.7%47.4%52.1%41.6%45.8%36.4%
5 Year54.4%51.0%69.2%50.7%62.9%45.1%

Price Volatility Vs. Market

How volatile is Enterprise Financial Services Group's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Enterprise Financial Services Group undervalued compared to its fair value and its price relative to the market?

8.48x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Undervalued: EFSG ($9.95) is trading above our estimate of fair value ($5.58)

Significantly Undervalued: EFSG is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: EFSG is good value based on its PE Ratio (8.5x) compared to the Banks industry average (12.6x).

PE vs Market: EFSG is good value based on its PE Ratio (8.5x) compared to the US market (17.6x).


Price to Earnings Growth Ratio

Low PEG Ratio: Insufficient data to calculate EFSG's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: EFSG is good value based on its PB Ratio (0.5x) compared to the US Banks industry average (1.2x).


Next Steps

Future Growth

How is Enterprise Financial Services Group forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

18.5%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: EFSG's forecast earnings growth (18.5% per year) is above the savings rate (2.7%).

Earnings vs Market: EFSG's earnings (18.5% per year) are forecast to grow faster than the US market (14.6% per year).

High Growth Earnings: EFSG's earnings are forecast to grow, but not significantly.

Revenue vs Market: Insufficient data to determine if EFSG's revenue is forecast to grow faster than the US market.

High Growth Revenue: Insufficient data to determine if EFSG's revenue is forecast to grow faster than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

High Future ROE: Insufficient data to determine if EFSG's Return on Equity is forecast to be high in 3 years time


Next Steps

Past Performance

How has Enterprise Financial Services Group performed over the past 5 years?

37.7%

Last years earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Earnings Trend: Insufficient data to determine if EFSG's year-on-year earnings growth rate was positive over the past 5 years.

Accelerating Growth: Insufficient data to compare EFSG's past year earnings growth to its 5-year average.

Earnings vs Industry: EFSG earnings growth over the past year (37.7%) exceeded the Banks industry 29.6%.


Return on Equity

High ROE: EFSG's Return on Equity (5.9%) is considered low.


Return on Assets

ROA vs Industry: EFSG's Return on Assets is below or equal to the Banks industry average last year.


Return on Capital Employed

ROCE Improving: Insufficient data to calculate EFSG's Return on Capital Employed to determine if it has improved over the past 3 years.


Next Steps

Financial Health

How is Enterprise Financial Services Group'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

Inventory Level: EFSG has a low level of unsold assets or inventory.

Debt Coverage by Assets: EFSG's debt is not covered by short term assets (assets are 0.6x debt).


Financial Institutions Analysis

Asset Level: EFSG's level of assets compared to its equity is moderate.

Allowance for Bad Loans: EFSG has a low allowance for bad loans.

Low Risk Liabilities: EFSG's liabilities are made up of primarily low risk sources of funding.

Loan Level: EFSG has an acceptable proportion of non-loan assets held.

Low Risk Deposits: EFSG's loans are broadly funded by customer deposits.

Level of Bad Loans: EFSG has a high level of bad loans (4.39%)


Next Steps

Dividend

What is Enterprise Financial Services Group's current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

company0%marketbottom25%1.4%markettop25%3.7%industryaverage3.0%forecastin3Yearsn/a

Current dividend yield vs market & industry


Stability and Growth of Payments

Notable Dividend: Unable to evaluate EFSG's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.

High Dividend: Unable to evaluate EFSG's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.

Stable Dividend: Insufficient data to determine if EFSG's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if EFSG's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: EFSG is not paying a notable dividend for the US market.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of EFSG's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

What is the CEO of Enterprise Financial Services Group's salary, the management and board of directors tenure and is there insider trading?

13.8yrs

Average board tenure


CEO

Chuck Leyh (59yo)

0yrs

Tenure

US$296,489

Compensation

Mr. Chuck Leyh serves as Chairman, President and Chief Executive Officer of Enterprise Financial Services Group, Inc. (a/k/a Enterprise Bank). Mr. Leyh is a CPA with more than 30 years of experience in pub ...


CEO Compensation Analysis

Compensation vs. Market: Insufficient data to establish whether Chuck's total compensation is reasonable compared to companies of similar size in the US market.

Compensation vs Earnings: Insufficient data to compare Chuck's compensation with company performance.


Board Age and Tenure

13.8yrs

Average Tenure

Experienced Board: EFSG's board of directors are seasoned and experienced ( 13.8 years average tenure).


Insider Trading

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Management Team

  • Chuck Leyh (59yo)

    Chairman

    • Tenure: 0yrs
    • Compensation: US$296.49k
  • Michael Scott

    Senior VP & Legal Counsel

    • Tenure: 0yrs
  • Brad Ryniawec

    Senior VP

    • Tenure: 0yrs
  • Larry Lockard

    Secretary & Director

    • Tenure: 13.8yrs
    • Compensation: US$23.56k
  • Doug Lockard

    Vice Chairman of the Board

    • Tenure: 13.8yrs
    • Compensation: US$206.30k
  • William Kinol

    Treasurer & Director

    • Tenure: 13.8yrs
    • Compensation: US$26.14k
  • Ray Ford

    Director

    • Tenure: 3.8yrs
    • Compensation: US$6.90k
  • Craig Cozza

    Advisor and Director

    • Tenure: 0yrs
    • Compensation: US$3.43k
  • Don Noland

    Vice President and Business Development Officer

    • Tenure: 0yrs
  • Lori Cestra

    Executive VP & COO

    • Tenure: 0yrs
    • Compensation: US$17.83k

Board Members

  • Chuck Leyh (59yo)

    Chairman

    • Tenure: 0yrs
    • Compensation: US$296.49k
  • Gregory Pearson

    Director

    • Tenure: 13.8yrs
    • Compensation: US$5.58k
  • Larry Lockard

    Secretary & Director

    • Tenure: 13.8yrs
    • Compensation: US$23.56k
  • Doug Lockard

    Vice Chairman of the Board

    • Tenure: 13.8yrs
    • Compensation: US$206.30k
  • William Kinol

    Treasurer & Director

    • Tenure: 13.8yrs
    • Compensation: US$26.14k
  • Ray Ford

    Director

    • Tenure: 3.8yrs
    • Compensation: US$6.90k
  • Timothy DeBiasse

    Director

    • Tenure: 13.8yrs
    • Compensation: US$27.74k
  • Craig Cozza

    Advisor and Director

    • Tenure: 0yrs
    • Compensation: US$3.43k
  • Melissa Hart

    Director

    • Tenure: 3.8yrs
    • Compensation: US$8.80k

Company Information

Enterprise Financial Services Group, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Enterprise Financial Services Group, Inc.
  • Ticker: EFSG
  • Exchange: OTCPK
  • Founded: 1998
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$11.288m
  • Shares outstanding: 1.13m
  • Website: https://www.enterprisebankpgh.com

Location

  • Enterprise Financial Services Group, Inc.
  • 4091 Mount Royal Boulevard
  • Allison Park
  • Pennsylvania
  • 15101
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
EFSGOTCPK (Pink Sheets LLC)YesClass A Common StockUSUSDNov 1998

Biography

Enterprise Financial Services Group, Inc., through its wholly-owned subsidiary, Enterprise Bank, provides various banking products and services to small businesses in Allegheny County, Pennsylvania. The co ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/20 00:03
End of Day Share Price2019/10/10 00:00
Earnings2018/09/30
Annual Earnings2018/09/30


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.