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Enterprise Financial Services Corp EFSC
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 55.26
0.799 %
$ 2.04 B
Market Cap
10.23
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Aug, 5, 2025.

The intrinsic value of one EFSC stock under the worst case scenario is HIDDEN Compared to the current market price of 55.3 USD, Enterprise Financial Services Corp is HIDDEN

EFSC Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Aug, 5, 2025.

The intrinsic value of one EFSC stock under the base case scenario is HIDDEN Compared to the current market price of 55.3 USD, Enterprise Financial Services Corp is HIDDEN

EFSC Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Aug, 5, 2025.

The intrinsic value of one EFSC stock under the best case scenario is HIDDEN Compared to the current market price of 55.3 USD, Enterprise Financial Services Corp is HIDDEN

EFSC Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart EFSC

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1M -4%
6M -7.0%
1Y 17%
3Y 26%
5Y 95%
All
$62.0$62.0$60.0$60.0$58.0$58.0$56.0$56.0$54.0$54.0$52.0$52.0$50.0$50.0$48.0$48.0$46.0$46.0$44.0$44.015 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 JunJul '25Jul '2515 Jul15 JulAug '25Aug '25
FINANCIALS
814 M REVENUE
9.53%
Growth Rates
1Year 9.53%
3Years 24.54%
5Years 18.72%
7Years 19.48%
10Years 18.56%
231 M OPERATING INCOME
-6.20%
Growth Rates
1Year -6.20%
3Years 11.10%
5Years 14.79%
7Years 15.08%
10Years 18.87%
185 M NET INCOME
-4.53%
Growth Rates
1Year -4.53%
3Years 11.67%
5Years 14.84%
7Years 21.21%
10Years 21.16%
247 M OPERATING CASH FLOW
-7.77%
Growth Rates
1Year -7.77%
3Years 15.50%
5Years 21.76%
7Years 27.25%
10Years 22.89%
-797 M INVESTING CASH FLOW
39.07%
Growth Rates
1Year 39.07%
3Years -225.47%
5Years -16.05%
7Years -14.31%
10Years -14.11%
881 M FINANCING CASH FLOW
-25.45%
Growth Rates
1Year -25.45%
3Years -13.20%
5Years 27.95%
7Years 21.82%
10Years 28.55%
20.6 M REVENUE
-89.78%
Growth Rates
1Year 9.53%
3Years 24.54%
5Years 18.72%
7Years 19.48%
10Years 18.56%
-61 M OPERATING INCOME
-100.00%
Growth Rates
1Year -6.20%
3Years 11.10%
5Years 14.79%
7Years 15.08%
10Years 18.87%
50 M NET INCOME
2.31%
Growth Rates
1Year -4.53%
3Years 11.67%
5Years 14.84%
7Years 21.21%
10Years 21.16%
40 M OPERATING CASH FLOW
-23.00%
Growth Rates
1Year -7.77%
3Years 15.50%
5Years 21.76%
7Years 27.25%
10Years 22.89%
-366 M INVESTING CASH FLOW
-9.80%
Growth Rates
1Year 39.07%
3Years -225.47%
5Years -16.05%
7Years -14.31%
10Years -14.11%
43.2 M FINANCING CASH FLOW
-93.02%
Growth Rates
1Year -25.45%
3Years -13.20%
5Years 27.95%
7Years 21.82%
10Years 28.55%
Balance Sheet Enterprise Financial Services Corp
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Current Assets 875 M
Cash & Short-Term Investments 875 M
Receivables 0
Other Current Assets 0
Non-Current Assets 14.7 B
Long-Term Investments 13.8 B
PP&E 45 M
Other Non-Current Assets 853 M
5.61 %88.63 %5.47 %Total Assets$15.6b
Current Liabilities 13.4 B
Accounts Payable 0
Short-Term Debt 245 M
Other Current Liabilities 13.1 B
Non-Current Liabilities 381 M
Long-Term Debt 193 M
Other Non-Current Liabilities 189 M
95.46 %Total Liabilities$13.8b
EFFICIENCY
Earnings Waterfall Enterprise Financial Services Corp
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Revenue 814 M
Cost Of Revenue 304 M
Gross Profit 510 M
Operating Expenses 279 M
Operating Income 231 M
Other Expenses 46 M
Net Income 185 M
900m900m800m800m700m700m600m600m500m500m400m400m300m300m200m200m100m100m00814m(304m)510m(279m)231m(46m)185mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
62.62% GROSS MARGIN
62.62%
Averages
1Year 62.62%
3Years 74.29%
5Years 77.08%
7Years 77.87%
10Years 81.22%
28.39% OPERATING MARGIN
28.39%
Averages
1Year 28.39%
3Years 36.72%
5Years 35.33%
7Years 35.50%
10Years 36.55%
22.75% NET MARGIN
22.75%
Averages
1Year 22.75%
3Years 28.97%
5Years 27.98%
7Years 28.48%
10Years 27.24%
10.16% ROE
10.16%
Averages
1Year 10.16%
3Years 11.60%
5Years 10.08%
7Years 10.84%
10Years 10.82%
1.19% ROA
1.19%
Averages
1Year 1.19%
3Years 1.36%
5Years 1.17%
7Years 1.24%
10Years 1.18%
7.56% ROIC
7.56%
Averages
1Year 7.56%
3Years 8.33%
5Years 7.05%
7Years 7.09%
10Years 6.43%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Enterprise Financial Services Corp
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300m300m250m250m200m200m150m150m100m100m50m50m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 185 M
Depreciation & Amortization 10.1 M
Capital Expenditures -7.48 M
Stock-Based Compensation 10.9 M
Change in Working Capital 23.3 M
Others 46.7 M
Free Cash Flow 240 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Enterprise Financial Services Corp
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Wall Street analysts predict an average 1-year price target for EFSC of $62.7 , with forecasts ranging from a low of $61 to a high of $65 .
EFSC Lowest Price Target Wall Street Target
61 USD 10.39%
EFSC Average Price Target Wall Street Target
62.7 USD 13.40%
EFSC Highest Price Target Wall Street Target
65 USD 17.63%
Price
Max Price Target
Min Price Target
Average Price Target
666664646262606058585656545452525050484846464444Sep '24Sep '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26Jun '26Jun '26Jul '26Jul '26
4. DIVIDEND ANALYSIS
0.00% DIVIDEND YIELD
0.31 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.20001.20001.00001.00000.80000.80000.60000.60000.40000.40000.20000.20000.00000.00000.05250.090.110.110.140.180.180.210.250.250.290.060.10.110.110.150.180.180.220.250.260.30.070.110.110.120.160.180.190.230.250.270.310.080.260.110.410.110.440.130.470.170.620.180.720.20.750.240.900.251.000.281.060.902015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 8
6. Ownership
Insider Ownership Enterprise Financial Services Corp
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Sold
0-3 MONTHS
594 K USD 1
3-6 MONTHS
323 K USD 1
6-9 MONTHS
5.96 M USD 1
9-12 MONTHS
0 USD 0
Bought
78.7 K USD 1
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Enterprise Financial Services Still Has Upside To Offer Enterprise Financial Services continues to deliver strong growth in deposits, loans, and asset quality, outpacing the S&P 500 since my last bullish call. Despite a 63% share price increase, EFSC remains attractively valued, trading at a P/E below 10 and cheaper than most peers on key metrics. Asset quality is robust, with low risk in commercial real estate exposure and returns on assets and equity exceeding my preferred thresholds. seekingalpha.com - 5 days ago
This is Why Enterprise Financial Services (EFSC) is a Great Dividend Stock Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Enterprise Financial Services (EFSC) have what it takes? zacks.com - 5 days ago
Enterprise Financial Services Corp (EFSC) Q2 2025 Earnings Conference Call Transcript Enterprise Financial Services Corp (NASDAQ:EFSC ) Q2 2025 Earnings Call July 29, 2025 11:30 AM ET Company Participants James Brian Lally - President, CEO & Director Keene S. Turner - Senior EVP & CFO Scott R. seekingalpha.com - 1 week ago
Enterprise Financial Services (EFSC) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates The headline numbers for Enterprise Financial Services (EFSC) give insight into how the company performed in the quarter ended June 2025, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals. zacks.com - 1 week ago
Enterprise Financial Services (EFSC) Tops Q2 Earnings and Revenue Estimates Enterprise Financial Services (EFSC) came out with quarterly earnings of $1.37 per share, beating the Zacks Consensus Estimate of $1.2 per share. This compares to earnings of $1.21 per share a year ago. zacks.com - 1 week ago
Enterprise Financial Q2 EPS Jumps 13% Enterprise Financial Services (EFSC 0.75%), a regional banking company focused on commercial lending and specialized banking services, released its Q2 2025 results on July 28, 2025. Adjusted earnings per share reached $1.37, well above the $1.21 consensus non-GAAP EPS estimate. fool.com - 1 week ago
Enterprise Financial Services Corp Reports Second Quarter 2025 Results ST. LOUIS--(BUSINESS WIRE)--Enterprise Financial Services Corp (Nasdaq: EFSC) (the “Company” or “EFSC”), today announced financial results for the second quarter of 2025. “Our second quarter results demonstrated expansion in net interest income and net interest margin, continuing the strong start to 2025,” said Jim Lally, President and Chief Executive Officer. “Loan growth spanned the portfolio and geographic regions and displayed the strength of our diversified business. We successfully scaled. businesswire.com - 1 week ago
Analysts Estimate Enterprise Financial Services (EFSC) to Report a Decline in Earnings: What to Look Out for Enterprise Financial Services (EFSC) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations. zacks.com - 2 weeks ago
Enterprise Financial Services Corp Announces Second Quarter 2025 Earnings Release and Conference Call ST. LOUIS--(BUSINESS WIRE)--Enterprise Financial Services Corp (Nasdaq: EFSC) (“the Company” or “EFSC”) will release its second quarter 2025 financial results on Monday, July 28, 2025. The Company will host a conference call and webcast at 10:00 a.m. CT on Tuesday, July 29, 2025. Participate by Dial-In We encourage participants to pre-register for the conference call using the following link: https://bit.ly/EFSC2Q2025EarningsCallRegistration. Callers who pre-register will be given a conference. businesswire.com - 4 weeks ago
Enterprise Financial Services (EFSC) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Enterprise Financial Services (EFSC) have what it takes? zacks.com - 1 month ago
7 Upcoming Dividend Increases I focus on companies with consistent dividend growth, strong financial health, and the ability to outperform benchmarks like SCHD. This week's highlighted companies show an average dividend increase of 7.6% and a median streak of 16 years, signaling reliability. Despite some strong historical returns, none of this week's companies meet my strict criteria for new portfolio additions at this time. seekingalpha.com - 1 month ago
Are You Looking for a High-Growth Dividend Stock? Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Enterprise Financial Services (EFSC) have what it takes? zacks.com - 2 months ago
8. Profile Summary

Enterprise Financial Services Corp EFSC

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 2.04 B
Dividend Yield 0.00%
Description 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.
Contact 150 North Meramec Avenue, Clayton, MO, 63105 https://www.enterprisebank.com
IPO Date July 15, 2003
Employees 1218
Officers Mr. Keene S. Turner CPA Senior EVice President & Chief Financial Officer Mr. Steve Richardson Senior Vice President of Corporate Communications Mr. Troy R. Dumlao Executive Vice President & Chief Accounting Officer Mr. James Brian Lally President, Chief Executive Officer & Director Mr. Mark G. Ponder Senior EVice President & Chief Administrative Officer Mr. Scott R. Goodman Senior Executive Vice President Mr. Douglas N. Bauche Senior EVice President & Chief Credit Officer Ms. Bridget H. Huffman B.B.A. Senior EVice President & Chief Risk Officer Ms. Nicole M. Iannacone Senior EVice President, Chief Legal Officer & Corporate Secretary