ENTERPRISE FINANCIAL SERVICE (EFSC)
US2937121059 - Common Stock
Overall EFSC gets a fundamental rating of 4 out of 10. We evaluated EFSC against 412 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 correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year EFSC was profitable.
EFSC had a positive operating cash flow in the past year.
EFSC had positive earnings in each of the past 5 years.
In the past 5 years EFSC always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.31%, EFSC belongs to the top of the industry, outperforming 83.25% of the companies in the same industry.
EFSC has a better Return On Equity (11.09%) than 69.90% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.31% | ||
| ROE | 11.09% | ||
| ROIC | N/A |
ROA(3y)1.27%
ROA(5y)1.17%
ROE(3y)10.96%
ROE(5y)10.09%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
EFSC has a Profit Margin of 30.14%. This is in the better half of the industry: EFSC outperforms 75.73% 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) | 30.14% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y9.55%
PM growth 5Y-4.9%
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 more shares outstanding than it did 1 year ago.
Compared to 5 years ago, EFSC has more shares outstanding
Compared to 1 year ago, EFSC has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of EFSC is 1.73, which is an excellent value as it means it would take EFSC, only 1.73 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 1.73, EFSC is doing good in the industry, outperforming 62.38% of the companies in the same industry.
A Debt/Equity ratio of 0.26 indicates that EFSC is not too dependend on debt financing.
EFSC has a Debt to Equity ratio (0.26) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 1.73 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.3%
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 -3.57%.
Measured over the past 5 years, EFSC shows a small growth in Earnings Per Share. The EPS has been growing by 5.96% on average per year.
Looking at the last year, EFSC shows a quite strong growth in Revenue. The Revenue has grown by 18.42% in the last year.
Measured over the past years, EFSC shows a very strong growth in Revenue. The Revenue has been growing by 22.36% on average per year.
EPS 1Y (TTM)-3.57%
EPS 3Y14.14%
EPS 5Y5.96%
EPS growth Q2Q-23.42%
Revenue 1Y (TTM)18.42%
Revenue growth 3Y24.84%
Revenue growth 5Y22.36%
Revenue growth Q2Q6.73%
3.2 Future
Based on estimates for the next years, EFSC will show a decrease in Earnings Per Share. The EPS will decrease by -3.48% on average per year.
EFSC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.20% yearly.
EPS Next Y-10.36%
EPS Next 2Y-3.48%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.02%
Revenue Next 2Y1.2%
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 decreasing.
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
A Price/Earnings ratio of 7.58 indicates a rather cheap valuation of EFSC.
Based on the Price/Earnings ratio, EFSC is valued a bit cheaper than 78.64% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 24.84. EFSC is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 8.46, the valuation of EFSC can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of EFSC indicates a somewhat cheap valuation: EFSC is cheaper than 76.94% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of EFSC to the average of the S&P500 Index (21.35), we can say EFSC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.58 | ||
| Fwd PE | 8.46 |
4.2 Price Multiples
84.22% of the companies in the same industry are more expensive than EFSC, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.58 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
EFSC's earnings are expected to decrease with -3.48% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)1.27
EPS Next 2Y-3.48%
EPS Next 3YN/A
5. Dividend
5.1 Amount
EFSC has a Yearly Dividend Yield of 2.68%.
Compared to an average industry Dividend Yield of 3.83, EFSC is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.41, EFSC has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.68% |
5.2 History
On average, the dividend of EFSC grows each year by 19.32%, which is quite nice.
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 Years9
Div Non Decr Years18
5.3 Sustainability
EFSC pays out 21.61% of its income as dividend. This is a sustainable payout ratio.
DP21.61%
EPS Next 2Y-3.48%
EPS Next 3YN/A
ENTERPRISE FINANCIAL SERVICE
NASDAQ:EFSC (4/29/2024, 9:16:09 AM)
38.895
+0.1 (+0.24%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap1.46B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.68% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
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EPS beat(4)
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EPS beat(8)
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EPS beat(12)
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EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
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Revenue beat(4)
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Revenue beat(8)
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Revenue beat(12)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.58 | ||
| Fwd PE | 8.46 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)1.27
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.31% | ||
| ROE | 11.09% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 30.14% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-3.57%
EPS 3Y14.14%
EPS 5Y
EPS growth Q2Q
EPS Next Y-10.36%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)18.42%
Revenue growth 3Y24.84%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y