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
3Y-11.0%
5Y+43.0%
10Y+135.0%
3Y-22.0%
5Y+54.0%
10Y+201.0%
3Y-243.0%
5Y-14.0%
10Y+111.0%
EFSC

Enterprise Financial Services Corp Cash Conversion Engine

EFSC ยท NASDAQ
Net Income201.37M
Depreciation & Amortization11.43M
Stock-Based Compensation13.49M
Change in Working Capital-50.25M
Others23.85M
Capital Expenditures-11.98M
Free Cash Flow181.53M

Cash Flow Quality Analysis

FCF Conversion Rate

90.1%

Strong cash conversion. Most reported earnings translate into actual cash flow, suggesting solid fundamentals.

CapEx Intensity

6.2%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

-24.3%

Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.

Working Capital Impact

-$50.25M

Moderate working capital outflow. Typical for growing businesses, but ensure it's supporting revenue growth, not inefficiency.

Cash Flow Quality Insight

Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.

Enterprise Financial Services Corp Cash Flow Statement

EFSC โ€ข NASDAQ

Enterprise Financial Services Corp Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
OPERATING ACTIVITIES
201.4M
185.3M
194.1M
203M
133.1M
74.4M
92.7M
89.2M
48.2M
48.8M
38.5M
27.2M
33.1M
28.3M
25.4M
5.6M
-48M
1.8M
17.6M
15.5M
11.4M
10.1M
11.3M
14M
14.1M
11.8M
11.3M
6M
5.9M
3.4M
3.1M
3.5M
4.7M
4.4M
3.7M
3.4M
4.7M
4.1M
3.9M
3.1M
-6.4M
-5.5M
1.5M
688K
-1.7M
-14.6M
3.3M
487K
18.5M
4.6M
-8.5M
2M
-12.4M
-10.7M
-4.4M
-1.5M
-2.5M
-7.7M
747K
-1.2M
13.5M
10.9M
10.1M
8M
6M
4.2M
4M
3.5M
3.4M
3.4M
3.6M
3M
5M
2.5M
1.5M
1.9M
2.2M
3.3M
0.0
0.0
23.9M
23.3M
42.5M
10.9M
26.3M
58.8M
-5.9M
9.7M
13.7M
-9.6M
-6.9M
-3.2M
-481K
-496K
9.8M
33.7M
87.7M
28.4M
3.3M
1.7M
(82.9M)
(28.1M)
(50.1M)
(46M)
(56.8M)
(7.5M)
(13.6M)
(10.1M)
(12.4M)
(26M)
(15.8M)
(9M)
(27.1M)
(11.3M)
(21.6M)
(960K)
(2.8M)
(11.6M)
(0.0)
(0.0)
-50.2M
23.3M
8.7M
-20M
-17.3M
876K
-13M
-77K
-43.9M
32M
17.3M
-923K
-605K
13.4M
-8.9M
6.1M
-15.3M
-9.6M
-293K
-1.3M
193.5M
247.4M
268.2M
216.6M
160.6M
135.5M
92.5M
108.8M
45.8M
82.5M
47.2M
31.5M
29.3M
37.4M
27.1M
49.2M
28.7M
20.3M
25M
17.8M
INVESTING ACTIVITIES
-12M
-7.5M
-6.6M
-1.9M
-2.5M
-2.3M
-6.3M
-3M
-2.5M
-2.5M
-2.1M
-1.9M
-1.3M
-4.7M
-910K
-957K
-552K
-7.5M
-3.4M
-7.6M
(277M)
(0.0)
(0.0)
(0.0)
(212.6M)
(62.1M)
-23.4M
(0.0)
(4.5M)
(0.0)
(0.0)
(0.0)
-67.6M
(12.5M)
(164.3M)
-220.5M
(15.1M)
-20.7M
-9.4M
-4.1M
-1.6B
-828.8M
-489.9M
-929.5M
-789M
-503M
-646.2M
-223.9M
-381.8M
-171.4M
-188.1M
-87.1M
-90M
-286.9M
-433M
-331M
-274.1M
-113.7M
-67.7M
-40.7M
732.8M
392.3M
376M
263.8M
401.6M
434.5M
573.5M
142.3M
337.7M
121.9M
137M
77.2M
272.9M
243.1M
255M
247.3M
85.8M
67.1M
115.8M
73.6M
-468.8M
-352.9M
-1.2B
-716.1M
154.2M
-694.2M
-276.1M
-247M
-270.3M
-306.1M
-284.1M
-201M
62.1M
29.7M
15.1M
17.2M
107.3M
-362M
-186.6M
-144.7M
-1.1B
-796.9M
-1.3B
-1.4B
-23.1M
-702.8M
-378.5M
-331.6M
-312.4M
-358.1M
-337.3M
-212.8M
(176.1M)
-6.3M
(394K)
-287.9M
-66.4M
-436.7M
-151.2M
-123.4M
FINANCING ACTIVITIES
-14.1M
-29.6M
0.0
-32.9M
-60.6M
-15.3M
-15.5M
-19.4M
-16.6M
-4.9M
2K
2K
1K
3K
32.6M
14.9M
0.0
3.4M
-439K
1.2M
43.6M
-17M
-126.3M
20.3M
-157.2M
-160.5M
187.2M
-132.7M
93.1M
-54.6M
-3.6M
119.6M
-56.1M
68.5M
10.2M
59.2M
20.7M
24.8M
113.7M
-4.2M
-48.8M
-43.3M
-41.1M
-37.6M
-26.2M
-19.8M
-16.6M
-10.8M
-10.2M
-8.2M
-5.3M
-4.2M
-3.9M
-5.5M
-5.3M
-4.9M
-4.3M
-2.7M
-2.6M
-2M
-14.1M
-29.6M
(0.0)
-32.9M
-60.6M
-15.3M
-15.5M
-19.4M
-16.6M
-4.9M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-130K
(0.0)
-1.7M
(0.0)
822.5M
970.6M
1.3B
-512.9M
1.5B
1.1B
101.6M
429M
155M
447.9M
292.3M
-43.9M
-51.1M
-130.9M
-170.6M
356.2M
85.7M
244.9M
119M
42.4M
803.2M
880.6M
1.2B
-563.2M
1.3B
937.8M
256.8M
266M
221.2M
380.2M
283.5M
71.5M
-111.2M
-102.9M
-133.1M
425.4M
102M
305.4M
229.6M
37.4M
CASH FLOW SUMMARY
-82.3M
331.1M
141.7M
-1.7B
1.5B
370.4M
-29.3M
43.2M
-45.5M
104.6M
-6.5M
-109.9M
94.2M
-71.8M
-105.5M
186.7M
64.3M
-111M
103.4M
-68.6M
764.2M
433M
291.4M
2B
537.7M
167.3M
196.6M
153.3M
198.8M
94.2M
100.7M
210.6M
116.4M
188.1M
293.7M
107M
42.6M
153.6M
50.3M
118.9M
681.9M
764.2M
433M
291.4M
2B
537.7M
167.3M
196.6M
153.3M
198.8M
94.2M
100.7M
210.6M
116.4M
188.1M
293.7M
107M
42.6M
153.6M
50.3M
181.5M
239.9M
261.7M
214.7M
158.1M
133.3M
86.1M
105.8M
43.2M
80M
45.1M
29.6M
28M
32.7M
26.2M
48.3M
28.2M
12.8M
21.7M
10.2M

SEC Filings

EFSC - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 15, 2026
May 13, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 01, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 28, 2026
April 28, 2026
2026
8-K

8-K 2026

N/A

April 22, 2026
April 22, 2026
2026
DEF 14A

DEF 14A 2026

N/A

March 31, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

March 09, 2026
March 09, 2026
2026
10-K

10-K 2025 FY

FY

February 27, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

January 29, 2026
January 29, 2026
2026
8-K

8-K 2026

N/A

January 26, 2026
January 26, 2026
2026
10-Q

10-Q 2025 Q3

Q3

October 31, 2025
September 30, 2025
2025
Showing 1 to 10 of 523 filings