EFSC - NASDAQ

Enterprise Financial Services Corp

EFSC·NASDAQ

$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.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$2.16B

EPS5.3500

P/E Ratio11.03

Earnings Date07/27/2026

17.30B

Assets

11%

3Y+33.0%

5Y+77.0%

10Y+324.0%

15.26B

Total Liabilities

11%

3Y+32.0%

5Y+76.0%

10Y+313.0%

2.04B

Total Equity

12%

3Y+34.0%

5Y+89.0%

10Y+427.0%

Enterprise Financial Services Corp Funding & Solvency Profile

EFSC · NASDAQ

Current Assets

Cash & Cash Equivalents208.08M

Net Receivables58.30M

Inventory0.00

Other Current Assets-64.09M

Total Current Assets208 M

Non-Current Assets

Property, Plant & Equipment58.99M

Goodwill & Intangible Assets438.14M

Long-Term Investments11.66B

Other Non-Current Assets4.94B

Total Non-Current Assets17 B

Total Assets

17.30B

Financial Health Analysis

Current Ratio

27.20x

Excellent liquidity position. The company can easily cover its short-term obligations with substantial cushion.

Debt-to-Equity Ratio

7.48x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

200 M

Strong working capital position provides significant operational flexibility and financial cushion.

Asset Composition

1% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Mixed signals: Strong short-term liquidity provides comfort, but high overall leverage requires careful monitoring of debt servicing capabilities and refinancing risk.

Enterprise Financial Services Corp Balance Sheet

EFSC • NASDAQ

Enterprise Financial Services Corp Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009	Dec 2008	Dec 2007	Dec 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	208.1M	760.3M	434M	297.6M	2B	543.8M	167.9M	198M	154.7M	199.3M	95.1M	106M	215.8M	117.3M	189.5M	292.3M	99.5M	40M	78M	43.2M
Short-Term Investments	5.8M	115M	1.6B	1.5B	1.4B	912.4M	1.1B	721.4M	641.4M	460.8M	451.8M	400.1M	434.6M	640.2M	593.2M	0.0	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	213.9M	875.4M	2.1B	1.8B	3.4B	1.5B	1.3B	919.4M	796.1M	660.1M	546.8M	506.1M	650.4M	757.5M	782.7M	292.3M	99.5M	40M	78M	43.2M
Net Receivables	58.3M	0.0	0.0	0.0	0.0	0.0	0.0	16.1M	14.1M	11.1M	8.4M	8M	7.3M	8.5M	9.2M	95.8M	18.1M	7.6M	8.3M	8M
Accounts Receivables	0.0	0.0	0.0	0.0	0.0	0.0	0.0	16.1M	14.1M	11.1M	8.4M	8M	7.3M	8.5M	9.2M	7.5M	7.8M	7.6M	8.3M	8M
Other Receivables	58.3M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	88.3M	10.4M	0.0	0.0	0.0
Prepaids	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	59.4M	0.0	45.2M	0.0	0.0	0.0
Other Current Assets	-64.1M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Current Assets	208.1M	875.4M	2.1B	1.8B	3.4B	1.5B	1.3B	935.5M	810.2M	671.3M	555.2M	514.1M	657.7M	766M	851.3M	388M	162.8M	47.6M	86.3M	51.2M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	59M	45M	42.7M	43M	47.9M	53.2M	60M	32.1M	32.6M	14.9M	14.8M	14.8M	18.2M	21.1M	19M	20.5M	22.3M	39M	25.2M	17.1M
Goodwill	417M	365.2M	365.2M	365.2M	365.2M	260.6M	210.3M	117.3M	117.3M	30.3M	30.3M	30.3M	30.3M	30.3M	30.3M	2.1M	2.1M	48.5M	57.2M	30M
Intangible Assets	21.2M	8.5M	12.3M	16.9M	22.3M	23.1M	26.1M	8.6M	11.1M	2.2M	3.1M	4.2M	5.4M	7.4M	9.3M	1.2M	1.6M	3.5M	6.1M	5.8M
Goodwill & Intangible Assets	438.1M	373.6M	377.5M	382.1M	387.5M	283.7M	236.4M	125.9M	128.4M	32.5M	33.4M	34.5M	35.8M	37.7M	39.6M	3.3M	3.7M	52M	63.2M	35.8M
Long-Term Investments	11.7B	13.8B	11.6B	10.4B	9.4B	7.6B	5.5B	4.4B	4.2B	3.3B	2.9B	2.6B	2.3B	2.3B	2.2B	2.2B	2.1B	2.3B	1.7B	1.4B
Other Non-Current Assets	4.9B	479.6M	487.6M	434.5M	352.2M	320.3M	238.3M	115.4M	116.5M	105M	109.5M	120.9M	160.6M	152.2M	238.4M	164.3M	83.8M	76.6M	117.8M	23M
Total Non-Current Assets	17.1B	14.7B	12.5B	11.2B	10.1B	8.3B	6B	4.7B	4.5B	3.4B	3.1B	2.8B	2.5B	2.6B	2.5B	2.4B	2.2B	2.4B	1.9B	1.5B
Total Assets	17.3B	15.6B	14.5B	13.1B	13.5B	9.8B	7.3B	5.6B	5.3B	4.1B	3.6B	3.3B	3.2B	3.3B	3.4B	2.8B	2.4B	2.5B	2B	1.5B
LIABILITIES
CURRENT LIABILITIES
Total Payables	0.0	0.0	0.0	0.0	0.0	0.0	0.0	2M	1.7M	1.1M	629K	843K	957K	1.3M	1.8M	1.5M	2.1M	2.5M	14.6M	11.3M
Accounts Payable	0.0	0.0	0.0	0.0	0.0	0.0	0.0	2M	1.7M	1.1M	629K	843K	957K	1.3M	1.8M	1.5M	2.1M	2.5M	3.7M	3.5M
Other Payables	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	10.9M	7.8M
Short Term Debt	7.7M	244.6M	250.2M	270.8M	331M	271.1M	230.9M	221.5M	253.7M	277M	270.3M	230.4M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Current Liabilities	0.0	13.1B	12.2B	10.8B	11.3B	8B	5.8B	4.6B	4.2B	3.2B	2.8B	2.5B	2.5B	2.7B	2.8B	2.3B	1.9B	1.8B	1.6B	1.3B
Total Current Liabilities	7.7M	13.4B	12.4B	11.1B	11.7B	8.3B	6B	4.8B	4.4B	3.5B	3.1B	2.7B	2.5B	2.7B	2.8B	2.3B	1.9B	1.8B	1.6B	1.3B
NON-CURRENT LIABILITIES
Long Term Debt	481.4M	192.8M	203.6M	308.8M	227.8M	283.6M	398M	190.2M	290.8M	382.5M	166.8M	210.3M	326.9M	410.2M	341.6M	311.7M	252.5M	478M	226.4M	75.8M
Deferred Tax Liabilities (Non-Current)	39.2M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Non-Current Liabilities	14.8B	188.6M	172.3M	123.2M	105.7M	132.5M	66.7M	40.3M	38M	-199.7M	35.3M	27.7M	27.7M	19.8M	3.5M	11.6M	5.7M	5.9M	0.0	0.0
Total Non-Current Liabilities	15.3B	381.3M	376M	432M	333.4M	416.1M	464.7M	230.4M	328.8M	182.8M	202.1M	238M	354.6M	429.9M	345.1M	323.3M	258.2M	483.9M	226.4M	75.8M
Capital Lease Obligations	19.5M	0.0	0.0	0.0	0.0	0.0	12.4M	0.0	0.0	17.3M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	15.3B	13.8B	12.8B	11.5B	12B	8.7B	6.5B	5B	4.7B	3.7B	3.3B	3B	2.9B	3.1B	3.1B	2.6B	2.2B	2.3B	1.8B	1.4B
SHAREHOLDERS' EQUITY
Treasury Stock	0.0	0.0	0.0	0.0	-73.5M	-73.5M	-58.2M	-42.7M	-23.3M	-6.6M	-1.7M	-1.7M	-1.7M	-1.7M	-1.7M	-1.7M	-1.7M	-1.7M	-1.7M	0.0
Preferred Stock	72M	72M	72M	72M	72M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	33.3M	32.5M	31.8M	31.1M	0.0	0.0
Common Stock	370K	370K	374K	373K	398K	332K	281K	239K	238K	203K	201K	199K	194K	181K	178K	150K	130K	129K	125K	115K
Additional Paid-In Capital	1B	990.7M	995.2M	982.7M	1B	697.8M	526.6M	350.9M	350.1M	213.1M	210.6M	207.7M	200.3M	173.3M	169.1M	133.7M	117M	115.1M	104.1M	78M
Retained Earnings	1B	877.6M	749.5M	597.6M	492.7M	417.2M	380.7M	304.6M	225.4M	182.2M	141.6M	108.4M	85.4M	56.2M	35.1M	19.3M	15.8M	68.7M	70.5M	55.4M
Accumulated Other Comprehensive Income/Loss	-54.6M	-116.7M	-101M	-130.3M	18.8M	37.1M	17.7M	-9.3M	-3.8M	-1.7M	218K	1.7M	-4.4M	7.8M	3.6M	-573K	933K	1.2M	117K	-592K
Total Stockholders' Equity	2B	1.8B	1.7B	1.5B	1.5B	1.1B	867.2M	603.8M	548.6M	387.1M	350.8M	316.2M	279.7M	235.7M	239.6M	183.3M	163.9M	214.6M	173.1M	133M
Total Equity	2B	1.8B	1.7B	1.5B	1.5B	1.1B	867.2M	603.8M	548.6M	387.1M	350.8M	316.2M	279.7M	235.7M	239.6M	183.3M	163.9M	214.6M	173.1M	133M
SUMMARY
Total Liabilities & Equity	17.3B	15.6B	14.5B	13.1B	13.5B	9.8B	7.3B	5.6B	5.3B	4.1B	3.6B	3.3B	3.2B	3.3B	3.4B	2.8B	2.4B	2.5B	2B	1.5B
Total Investments	11.7B	13.9B	13.2B	11.9B	10.7B	8.6B	6.6B	5.2B	4.8B	3.7B	3.3B	3B	2.7B	3B	2.8B	2.2B	2.1B	2.3B	1.7B	1.4B
Total Debt	508.5M	437.4M	453.8M	579.6M	558.8M	554.7M	628.8M	411.6M	544.5M	659.5M	437.1M	440.7M	326.9M	410.2M	341.6M	311.7M	252.5M	478M	226.4M	75.8M
Net Debt	300.5M	-323M	19.8M	281.9M	-1.5B	10.9M	460.9M	213.6M	389.8M	460.2M	342.1M	334.7M	111.1M	292.8M	152.1M	19.4M	153M	438M	148.4M	32.6M
Shares Outstanding	37,010,505	37,010,505	37,010,505	37,010,505	37,010,505	37,010,505	37,010,505	37,010,505	37,010,505	37,010,505	37,010,505	37,010,505	37,010,505	37,010,505	37,010,505	37,010,505	37,010,505	37,010,505	37,010,505	37,010,505

SEC Filings

EFSC - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 15, 2026	May 13, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	May 01, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 28, 2026	April 28, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 22, 2026	April 22, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	March 31, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	March 09, 2026	March 09, 2026	2026	View Filing
10-K 10-K 2025 FY FY	February 27, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	January 29, 2026	January 29, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 26, 2026	January 26, 2026	2026	View Filing
10-Q 10-Q 2025 Q3 Q3	October 31, 2025	September 30, 2025	2025	View Filing

Showing 1 to 10 of 523 filings

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