55.46 USD
-0.04 (-0.07%)
55.46 USD
0 (0%)
EFSC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. EFSC has a medium profitability rating, but doesn't score so well on its financial health evaluation. EFSC has a decent growth rate and is not valued too expensively.
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.
EFSC had positive earnings in each of the past 5 years.
EFSC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
EFSC has a Return On Assets of 1.17%. This is in the better half of the industry: EFSC outperforms 73.45% of its industry peers.
The Return On Equity of EFSC (9.67%) is better than 60.31% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.17% | ||
| ROE | 9.67% | ||
| 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
1.3 Margins
EFSC's Profit Margin of 26.89% is fine compared to the rest of the industry. EFSC outperforms 64.69% of its industry peers.
EFSC's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for EFSC so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 26.89% | ||
| 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
2. Health
2.1 Basic Checks
EFSC does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for EFSC has been reduced compared to 1 year ago.
Compared to 5 years ago, EFSC has more shares outstanding
EFSC has a better debt/assets ratio than last year.
2.2 Solvency
EFSC has a debt to FCF ratio of 1.78. This is a very positive value and a sign of high solvency as it would only need 1.78 years to pay back of all of its debts.
EFSC's Debt to FCF ratio of 1.78 is in line compared to the rest of the industry. EFSC outperforms 51.29% of its industry peers.
A Debt/Equity ratio of 0.17 indicates that EFSC is not too dependend on debt financing.
The Debt to Equity ratio of EFSC (0.17) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 1.78 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.25%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 7.31% over the past year.
The Earnings Per Share has been growing slightly by 4.88% on average over the past years.
Looking at the last year, EFSC shows a quite strong growth in Revenue. The Revenue has grown by 11.98% in the last year.
The Revenue has been growing by 17.24% on average over the past years. This is quite good.
EPS 1Y (TTM)7.31%
EPS 3Y7.61%
EPS 5Y4.88%
EPS Q2Q%-9.85%
Revenue 1Y (TTM)11.98%
Revenue growth 3Y14.23%
Revenue growth 5Y17.24%
Sales Q2Q%24.29%
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 6.38% on average per year.
Based on estimates for the next years, EFSC will show a small growth in Revenue. The Revenue will grow by 6.59% on average per year.
EPS Next Y9.22%
EPS Next 2Y7.45%
EPS Next 3Y6.38%
EPS Next 5YN/A
Revenue Next Year13.16%
Revenue Next 2Y9.08%
Revenue Next 3Y6.59%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 10.79, the valuation of EFSC can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of EFSC indicates a somewhat cheap valuation: EFSC is cheaper than 71.39% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.92, EFSC is valued rather cheaply.
EFSC is valuated reasonably with a Price/Forward Earnings ratio of 9.88.
Based on the Price/Forward Earnings ratio, EFSC is valued a bit cheaper than the industry average as 60.57% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.46, EFSC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.79 | ||
| Fwd PE | 9.88 |
4.2 Price Multiples
EFSC's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. EFSC is cheaper than 60.57% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.7 | ||
| EV/EBITDA | N/A |
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)1.17
PEG (5Y)2.21
EPS Next 2Y7.45%
EPS Next 3Y6.38%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.31%, EFSC has a reasonable but not impressive dividend return.
EFSC's Dividend Yield is slightly below the industry average, which is at 2.74.
Compared to an average S&P500 Dividend Yield of 2.00, EFSC has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.31% |
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
5.3 Sustainability
24.55% of the earnings are spent on dividend by EFSC. This is a low number and sustainable payout ratio.
The dividend of EFSC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP24.55%
EPS Next 2Y7.45%
EPS Next 3Y6.38%
55.46
-0.04 (-0.07%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners84.39%
Inst Owner Change3.55%
Ins Owners1.63%
Ins Owner Change1.97%
Market Cap2.05B
Revenue(TTM)713.28M
Net Income(TTM)191.77M
Analysts80
Price Target65.79 (18.63%)
Short Float %1.59%
Short Ratio3.5
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.31% |
Yearly Dividend1.16
Dividend Growth(5Y)11.88%
DP24.55%
Div Incr Years10
Div Non Decr Years19
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.24%
Min EPS beat(2)-9.87%
Max EPS beat(2)10.35%
EPS beat(4)3
Avg EPS beat(4)4.22%
Min EPS beat(4)-9.87%
Max EPS beat(4)10.35%
EPS beat(8)5
Avg EPS beat(8)4.32%
EPS beat(12)7
Avg EPS beat(12)3.7%
EPS beat(16)11
Avg EPS beat(16)4.44%
Revenue beat(2)2
Avg Revenue beat(2)8.11%
Min Revenue beat(2)2.4%
Max Revenue beat(2)13.83%
Revenue beat(4)3
Avg Revenue beat(4)4.53%
Min Revenue beat(4)-0.05%
Max Revenue beat(4)13.83%
Revenue beat(8)5
Avg Revenue beat(8)2.01%
Revenue beat(12)6
Avg Revenue beat(12)1.4%
Revenue beat(16)7
Avg Revenue beat(16)0.91%
PT rev (1m)0%
PT rev (3m)-3.73%
EPS NQ rev (1m)-0.59%
EPS NQ rev (3m)-2.83%
EPS NY rev (1m)-0.46%
EPS NY rev (3m)-2.74%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.91%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.72%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.79 | ||
| Fwd PE | 9.88 | ||
| P/S | 2.88 | ||
| P/FCF | 10.7 | ||
| P/OCF | 10.13 | ||
| P/B | 1.04 | ||
| P/tB | 1.27 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.14
EY9.27%
EPS(NY)5.61
Fwd EY10.12%
FCF(TTM)5.18
FCFY9.35%
OCF(TTM)5.48
OCFY9.87%
SpS19.27
BVpS53.56
TBVpS43.53
PEG (NY)1.17
PEG (5Y)2.21
Graham Number78.7
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.17% | ||
| ROE | 9.67% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 26.89% | ||
| GM | N/A | ||
| FCFM | 26.89% |
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
ROICexgc growth 3YN/A
ROICexgc 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-Score6
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 1.78 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 117.67% | ||
| Cap/Sales | 1.52% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 100.03% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC16.25%
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)7.31%
EPS 3Y7.61%
EPS 5Y4.88%
EPS Q2Q%-9.85%
EPS Next Y9.22%
EPS Next 2Y7.45%
EPS Next 3Y6.38%
EPS Next 5YN/A
Revenue 1Y (TTM)11.98%
Revenue growth 3Y14.23%
Revenue growth 5Y17.24%
Sales Q2Q%24.29%
Revenue Next Year13.16%
Revenue Next 2Y9.08%
Revenue Next 3Y6.59%
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 1Y-10.86%
FCF growth 3Y14.92%
FCF growth 5Y22.72%
OCF growth 1Y-7.03%
OCF growth 3Y15.49%
OCF growth 5Y21.75%
ENTERPRISE FINANCIAL SERVICE / EFSC FAQ
What is the fundamental rating for EFSC stock?
ChartMill assigns a fundamental rating of 4 / 10 to EFSC.
What is the valuation status of ENTERPRISE FINANCIAL SERVICE (EFSC) stock?
ChartMill assigns a valuation rating of 5 / 10 to ENTERPRISE FINANCIAL SERVICE (EFSC). This can be considered as Fairly Valued.
Can you provide the profitability details for ENTERPRISE FINANCIAL SERVICE?
ENTERPRISE FINANCIAL SERVICE (EFSC) has a profitability rating of 4 / 10.
What are the PE and PB ratios of ENTERPRISE FINANCIAL SERVICE (EFSC) stock?
The Price/Earnings (PE) ratio for ENTERPRISE FINANCIAL SERVICE (EFSC) is 10.79 and the Price/Book (PB) ratio is 1.04.
Can you provide the dividend sustainability for EFSC stock?
The dividend rating of ENTERPRISE FINANCIAL SERVICE (EFSC) is 6 / 10 and the dividend payout ratio is 24.55%.