ENTERPRISE FINANCIAL SERVICE (EFSC) Stock Fundamental Analysis
NASDAQ:EFSC - Nasdaq - US2937121059 - Common Stock - Currency: USD
Taking everything into account, EFSC scores 4 out of 10 in our fundamental rating. EFSC was compared to 398 industry peers in the Banks industry. EFSC may be in some trouble as it scores bad on both profitability and health. 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.
In the past 5 years EFSC has always been profitable.
EFSC had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
EFSC has a better Return On Assets (1.19%) than 76.63% of its industry peers.
The Return On Equity of EFSC (9.67%) is better than 65.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.19% | ||
| 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
With a decent Profit Margin value of 27.82%, EFSC is doing good in the industry, outperforming 75.38% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 27.82% | ||
| 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.
EFSC has less shares outstanding than it did 1 year ago.
EFSC has more shares outstanding than it did 5 years ago.
EFSC has a better debt/assets ratio than last year.
2.2 Solvency
EFSC has a debt to FCF ratio of 1.24. This is a very positive value and a sign of high solvency as it would only need 1.24 years to pay back of all of its debts.
EFSC has a Debt to FCF ratio of 1.24. This is in the better half of the industry: EFSC outperforms 70.60% of its industry peers.
EFSC has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.18, EFSC perfoms like the industry average, outperforming 53.02% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.24 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.6%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
EFSC shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -5.26%.
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 1.03%.
Measured over the past years, EFSC shows a quite strong growth in Revenue. The Revenue has been growing by 17.24% on average per year.
EPS 1Y (TTM)-5.26%
EPS 3Y7.61%
EPS 5Y4.88%
EPS Q2Q%5.79%
Revenue 1Y (TTM)1.03%
Revenue growth 3Y14.23%
Revenue growth 5Y17.24%
Sales Q2Q%0.49%
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 4.56% on average per year.
The Revenue is expected to grow by 3.18% on average over the next years.
EPS Next Y3.05%
EPS Next 2Y4.56%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.23%
Revenue Next 2Y3.18%
Revenue Next 3YN/A
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 stable.
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 9.94, 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 68.34% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 28.29, EFSC is valued rather cheaply.
EFSC is valuated reasonably with a Price/Forward Earnings ratio of 9.64.
EFSC's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.32, EFSC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.94 | ||
| Fwd PE | 9.64 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, EFSC is valued cheaper than 83.92% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.75 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)3.26
PEG (5Y)2.04
EPS Next 2Y4.56%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.39%, EFSC has a reasonable but not impressive dividend return.
EFSC's Dividend Yield is slightly below the industry average, which is at 3.66.
Compared to an average S&P500 Dividend Yield of 2.51, EFSC has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.39% |
5.2 History
The dividend of EFSC is nicely growing with an annual growth rate of 19.32%!
EFSC has been paying a dividend for at least 10 years, so it has a reliable track record.
EFSC has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)19.32%
Div Incr Years10
Div Non Decr Years19
5.3 Sustainability
23.87% 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.
DP23.87%
EPS Next 2Y4.56%
EPS Next 3YN/A
48.3
-0.3 (-0.62%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners80.21%
Inst Owner Change0.13%
Ins Owners2.5%
Ins Owner Change5.35%
Market Cap1.79B
Analysts81.82
Price Target69.61 (44.12%)
Short Float %1.06%
Short Ratio2.29
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.39% |
Yearly Dividend1.14
Dividend Growth(5Y)19.32%
DP23.87%
Div Incr Years10
Div Non Decr Years19
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.96%
Min EPS beat(2)10.21%
Max EPS beat(2)13.72%
EPS beat(4)2
Avg EPS beat(4)4.41%
Min EPS beat(4)-5.85%
Max EPS beat(4)13.72%
EPS beat(8)4
Avg EPS beat(8)3.44%
EPS beat(12)8
Avg EPS beat(12)4.52%
EPS beat(16)11
Avg EPS beat(16)3.08%
Revenue beat(2)1
Avg Revenue beat(2)0.51%
Min Revenue beat(2)-0.99%
Max Revenue beat(2)2.01%
Revenue beat(4)2
Avg Revenue beat(4)-0.52%
Min Revenue beat(4)-6.6%
Max Revenue beat(4)3.52%
Revenue beat(8)3
Avg Revenue beat(8)-0.16%
Revenue beat(12)4
Avg Revenue beat(12)-0.29%
Revenue beat(16)6
Avg Revenue beat(16)0.16%
PT rev (1m)-0.73%
PT rev (3m)6.23%
EPS NQ rev (1m)-0.02%
EPS NQ rev (3m)-0.02%
EPS NY rev (1m)0%
EPS NY rev (3m)8.13%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.94 | ||
| Fwd PE | 9.64 | ||
| P/S | 2.8 | ||
| P/FCF | 6.75 | ||
| P/OCF | 6.51 | ||
| P/B | 0.97 | ||
| P/tB | 1.22 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.86
EY10.06%
EPS(NY)5.01
Fwd EY10.37%
FCF(TTM)7.15
FCFY14.81%
OCF(TTM)7.42
OCFY15.37%
SpS17.23
BVpS49.57
TBVpS39.43
PEG (NY)3.26
PEG (5Y)2.04
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.19% | ||
| ROE | 9.67% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 27.82% | ||
| GM | N/A | ||
| FCFM | 41.51% |
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-Score6
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.24 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 107.98% | ||
| Cap/Sales | 1.56% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 149.21% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC13.6%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-5.26%
EPS 3Y7.61%
EPS 5Y4.88%
EPS Q2Q%5.79%
EPS Next Y3.05%
EPS Next 2Y4.56%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)1.03%
Revenue growth 3Y14.23%
Revenue growth 5Y17.24%
Sales Q2Q%0.49%
Revenue Next Year4.23%
Revenue Next 2Y3.18%
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 1Y22.87%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y25.85%
OCF growth 3YN/A
OCF growth 5YN/A