Enterprise Financial Services Corp

Enterprise Financial Services Corp

EFSCยทNASDAQ

$58.99

-1.2%
Financial ServicesBanks - Regional

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. In addition, the company offers treasury management and international trade services; tax credit brokerage services consisting of the acquisition of tax credits and sale of these tax credits to clients; and financial and estate planning, investment management, and trust services to businesses, individuals, institutions, retirement plans, and non-profit organizations. Further, it offers fiduciary, financial advisory, and merchant processing services; and debit and credit cards. Additionally, the company provides international banking, insurance, internet and mobile banking, remote deposit capture, positive pay, fraud detection and prevention, automated payable, check imaging, and statement and document imaging services; and cash management products, controlled disbursements, repurchase agreements, and sweep investment accounts. It operates banking locations and administrative offices in Arizona, California, Kansas, Missouri, Nevada, and New Mexico market areas, as well as a network of SBA loan production offices and deposit production offices in various states. Enterprise Financial Services Corp was founded in 1988 and is headquartered in Clayton, Missouri.

At a Glance

Live Snapshot
Market Cap$2.16B
EPS5.3500
P/E Ratio11.03
Earnings Date07/27/2026
Enterprise Financial Services Corp

Enterprise Financial Services Corp Fair Value Envelope

EFSC ยท NASDAQ

Our analysis suggests that EFSC has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $58.99, this represents a potential HIDDEN relative to our calculated worth for Enterprise Financial Services Corp.

Intrinsic Value
Current Price: $58.99

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$526.9M
+ Cash & Equivalents$208.1M
Firm Value$735.0M
- Debt$508.5M
Equity Value$226.5M
/ Shares Outstanding37,010,505B
DCF Value$6
OVERVALUED BY 90%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$146.4M
$110.8M
$83.8M
$63.4M
$48.0M
$36.3M
$27.5M
$20.8M
$15.7M
$11.9M
Maintenance CapEx
-$1.8M
-$1.4M
-$1.0M
-$785.5K
-$594.3K
-$449.7K
-$340.2K
-$257.4K
-$194.8K
-$147.4K
Owner Earnings
$144.6M
$109.4M
$82.8M
$62.6M
$47.4M
$35.9M
$27.1M
$20.5M
$15.5M
$11.7M
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$133.9M
$93.8M
$65.7M
$46.0M
$32.3M
$22.6M
$15.8M
$11.1M
$7.8M
$5.4M
Terminal Value represents 17.6% of Enterprise Value