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ENTERPRISE FINANCIAL SERVICE (EFSC) Stock Fundamental Analysis

NASDAQ:EFSC - Nasdaq - US2937121059 - Common Stock - Currency: USD

58.63  -0.09 (-0.15%)

After market: 58.63 0 (0%)

Fundamental Rating

4

EFSC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 394 industry peers in the Banks industry. EFSC has a medium profitability rating, but doesn't score so well on its financial health evaluation. EFSC is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year EFSC was profitable.
In the past year EFSC had a positive cash flow from operations.
In the past 5 years EFSC has always been profitable.
In the past 5 years EFSC always reported a positive cash flow from operatings.
EFSC Yearly Net Income VS EBIT VS OCF VS FCFEFSC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

1.2 Ratios

EFSC has a Return On Assets of 1.22%. This is in the better half of the industry: EFSC outperforms 79.19% of its industry peers.
With a decent Return On Equity value of 10.23%, EFSC is doing good in the industry, outperforming 68.53% of the companies in the same industry.
Industry RankSector Rank
ROA 1.22%
ROE 10.23%
ROIC N/A
ROA(3y)1.33%
ROA(5y)1.15%
ROE(3y)11.37%
ROE(5y)9.94%
ROIC(3y)N/A
ROIC(5y)N/A
EFSC Yearly ROA, ROE, ROICEFSC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

1.3 Margins

Looking at the Profit Margin, with a value of 29.22%, EFSC belongs to the top of the industry, outperforming 80.20% of the companies in the same industry.
In the last couple of years the Profit Margin of EFSC has declined.
The Operating Margin and Gross Margin are not available for EFSC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 29.22%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.92%
PM growth 5Y-2.44%
GM growth 3YN/A
GM growth 5YN/A
EFSC Yearly Profit, Operating, Gross MarginsEFSC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

2. Health

2.1 Basic Checks

EFSC does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, EFSC has less shares outstanding
EFSC has more shares outstanding than it did 5 years ago.
The debt/assets ratio for EFSC has been reduced compared to a year ago.
EFSC Yearly Shares OutstandingEFSC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
EFSC Yearly Total Debt VS Total AssetsEFSC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.2 Solvency

EFSC has a debt to FCF ratio of 1.66. This is a very positive value and a sign of high solvency as it would only need 1.66 years to pay back of all of its debts.
EFSC has a Debt to FCF ratio (1.66) which is in line with its industry peers.
EFSC has a Debt/Equity ratio of 0.22. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.22, EFSC is not doing good in the industry: 62.44% of the companies in the same industry are doing better.
Even though the debt/equity ratio score it not favorable for EFSC, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 1.66
Altman-Z N/A
ROIC/WACCN/A
WACC16.18%
EFSC Yearly LT Debt VS Equity VS FCFEFSC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
EFSC Yearly Current Assets VS Current LiabilitesEFSC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

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4

3. Growth

3.1 Past

EFSC shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.59%.
EFSC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.88% yearly.
EFSC shows a small growth in Revenue. In the last year, the Revenue has grown by 4.66%.
EFSC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 17.24% yearly.
EPS 1Y (TTM)7.59%
EPS 3Y7.61%
EPS 5Y4.88%
EPS Q2Q%22.43%
Revenue 1Y (TTM)4.66%
Revenue growth 3Y14.23%
Revenue growth 5Y17.24%
Sales Q2Q%10.75%

3.2 Future

Based on estimates for the next years, EFSC will show a small growth in Earnings Per Share. The EPS will grow by 5.46% on average per year.
Based on estimates for the next years, EFSC will show a small growth in Revenue. The Revenue will grow by 5.95% on average per year.
EPS Next Y7.6%
EPS Next 2Y5.46%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.28%
Revenue Next 2Y5.95%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
EFSC Yearly Revenue VS EstimatesEFSC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M
EFSC Yearly EPS VS EstimatesEFSC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4 5

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5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 11.50, which indicates a very decent valuation of EFSC.
Based on the Price/Earnings ratio, EFSC is valued a bit cheaper than 66.75% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.50, EFSC is valued rather cheaply.
With a Price/Forward Earnings ratio of 10.85, the valuation of EFSC can be described as very reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as EFSC.
The average S&P500 Price/Forward Earnings ratio is at 36.44. EFSC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.5
Fwd PE 10.85
EFSC Price Earnings VS Forward Price EarningsEFSC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of EFSC indicates a somewhat cheap valuation: EFSC is cheaper than 77.41% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 8.71
EV/EBITDA N/A
EFSC Per share dataEFSC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

4.3 Compensation for Growth

EFSC's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.51
PEG (5Y)2.36
EPS Next 2Y5.46%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

EFSC has a Yearly Dividend Yield of 2.08%. Purely for dividend investing, there may be better candidates out there.
EFSC's Dividend Yield is slightly below the industry average, which is at 3.31.
Compared to an average S&P500 Dividend Yield of 2.35, EFSC has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.08%

5.2 History

The dividend of EFSC is nicely growing with an annual growth rate of 11.88%!
EFSC has been paying a dividend for at least 10 years, so it has a reliable track record.
EFSC has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)11.88%
Div Incr Years10
Div Non Decr Years19
EFSC Yearly Dividends per shareEFSC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

23.36% of the earnings are spent on dividend by EFSC. This is a low number and sustainable payout ratio.
EFSC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP23.36%
EPS Next 2Y5.46%
EPS Next 3YN/A
EFSC Yearly Income VS Free CF VS DividendEFSC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M
EFSC Dividend Payout.EFSC Dividend Payout, showing the Payout Ratio.EFSC Dividend Payout.PayoutRetained Earnings

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ENTERPRISE FINANCIAL SERVICE

NASDAQ:EFSC (7/18/2025, 8:00:01 PM)

After market: 58.63 0 (0%)

58.63

-0.09 (-0.15%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-28 2025-04-28/amc
Earnings (Next)07-28 2025-07-28/amc
Inst Owners83.79%
Inst Owner Change0%
Ins Owners1.58%
Ins Owner Change4.01%
Market Cap2.17B
Analysts82
Price Target66.3 (13.08%)
Short Float %2.16%
Short Ratio4.48
Dividend
Industry RankSector Rank
Dividend Yield 2.08%
Yearly Dividend1.16
Dividend Growth(5Y)11.88%
DP23.36%
Div Incr Years10
Div Non Decr Years19
Ex-Date06-16 2025-06-16 (0.3)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)8.2%
Min EPS beat(2)6.73%
Max EPS beat(2)9.68%
EPS beat(4)4
Avg EPS beat(4)10.08%
Min EPS beat(4)6.73%
Max EPS beat(4)13.72%
EPS beat(8)4
Avg EPS beat(8)3.09%
EPS beat(12)8
Avg EPS beat(12)4.38%
EPS beat(16)11
Avg EPS beat(16)1.07%
Revenue beat(2)1
Avg Revenue beat(2)0.95%
Min Revenue beat(2)-0.05%
Max Revenue beat(2)1.94%
Revenue beat(4)2
Avg Revenue beat(4)0.73%
Min Revenue beat(4)-0.99%
Max Revenue beat(4)2.01%
Revenue beat(8)3
Avg Revenue beat(8)-0.6%
Revenue beat(12)4
Avg Revenue beat(12)-0.07%
Revenue beat(16)6
Avg Revenue beat(16)-0.17%
PT rev (1m)1.96%
PT rev (3m)-4.76%
EPS NQ rev (1m)-1.02%
EPS NQ rev (3m)2.08%
EPS NY rev (1m)-0.36%
EPS NY rev (3m)4.42%
Revenue NQ rev (1m)-0.5%
Revenue NQ rev (3m)2.22%
Revenue NY rev (1m)0.01%
Revenue NY rev (3m)2.93%
Valuation
Industry RankSector Rank
PE 11.5
Fwd PE 10.85
P/S 3.31
P/FCF 8.71
P/OCF 8.41
P/B 1.16
P/tB 1.45
EV/EBITDA N/A
EPS(TTM)5.1
EY8.7%
EPS(NY)5.41
Fwd EY9.22%
FCF(TTM)6.73
FCFY11.48%
OCF(TTM)6.97
OCFY11.89%
SpS17.71
BVpS50.58
TBVpS40.49
PEG (NY)1.51
PEG (5Y)2.36
Profitability
Industry RankSector Rank
ROA 1.22%
ROE 10.23%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 29.22%
GM N/A
FCFM 38.02%
ROA(3y)1.33%
ROA(5y)1.15%
ROE(3y)11.37%
ROE(5y)9.94%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.92%
PM growth 5Y-2.44%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 1.66
Debt/EBITDA N/A
Cap/Depr 100.64%
Cap/Sales 1.36%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 130.11%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC16.18%
ROIC/WACCN/A
Cap/Depr(3y)56.05%
Cap/Depr(5y)41.73%
Cap/Sales(3y)0.86%
Cap/Sales(5y)0.77%
Profit Quality(3y)125.86%
Profit Quality(5y)135.08%
High Growth Momentum
Growth
EPS 1Y (TTM)7.59%
EPS 3Y7.61%
EPS 5Y4.88%
EPS Q2Q%22.43%
EPS Next Y7.6%
EPS Next 2Y5.46%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)4.66%
Revenue growth 3Y14.23%
Revenue growth 5Y17.24%
Sales Q2Q%10.75%
Revenue Next Year7.28%
Revenue Next 2Y5.95%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y6.33%
FCF growth 3Y14.92%
FCF growth 5Y22.72%
OCF growth 1Y9.17%
OCF growth 3Y15.49%
OCF growth 5Y21.75%