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ENTERPRISE FINANCIAL SERVICE (EFSC) Stock Fundamental Analysis

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

54.64  +0.32 (+0.59%)

After market: 54.64 0 (0%)

Fundamental Rating

4

Overall EFSC gets a fundamental rating of 4 out of 10. We evaluated EFSC against 392 industry peers in the Banks industry. While EFSC is still in line with the averages on profitability rating, there are concerns on its financial health. EFSC has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

EFSC had positive earnings in the past year.
EFSC had a positive operating cash flow in the past year.
EFSC had positive earnings in each of the past 5 years.
Each year in the past 5 years EFSC had a positive operating cash flow.
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 better Return On Assets (1.22%) than 79.85% of its industry peers.
EFSC has a better Return On Equity (10.23%) than 68.88% of its industry peers.
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

With an excellent Profit Margin value of 29.22%, EFSC belongs to the best of the industry, outperforming 80.36% of the companies in the same industry.
EFSC's Profit Margin has declined in the last couple of years.
EFSC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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.
The number of shares outstanding for EFSC has been reduced compared to 1 year ago.
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

The Debt to FCF ratio of EFSC is 1.66, which is an excellent value as it means it would take EFSC, only 1.66 years of fcf income to pay off all of its debts.
EFSC has a Debt to FCF ratio of 1.66. This is comparable to the rest of the industry: EFSC outperforms 55.87% of 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.
The Debt to Equity ratio of EFSC (0.22) is worse than 61.48% of its industry peers.
Although EFSC does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 1.66
Altman-Z N/A
ROIC/WACCN/A
WACC16.46%
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

The Earnings Per Share has grown by an nice 13.58% over the past year.
EFSC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.88% yearly.
Looking at the last year, EFSC shows a small growth in Revenue. The Revenue has grown by 7.26% 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)13.58%
EPS 3Y7.61%
EPS 5Y4.88%
EPS Q2Q%14.29%
Revenue 1Y (TTM)7.26%
Revenue growth 3Y14.23%
Revenue growth 5Y17.24%
Sales Q2Q%11.12%

3.2 Future

The Earnings Per Share is expected to grow by 5.46% on average over the next years.
The Revenue is expected to grow by 5.95% on average over the next years.
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

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.
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

With a Price/Earnings ratio of 10.37, the valuation of EFSC can be described as very reasonable.
Based on the Price/Earnings ratio, EFSC is valued a bit cheaper than 68.88% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.48. EFSC is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 10.11 indicates a reasonable valuation of EFSC.
EFSC's Price/Forward Earnings ratio is in line with the industry average.
EFSC is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.04, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.37
Fwd PE 10.11
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

EFSC's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. EFSC is cheaper than 79.34% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.12
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)1.36
PEG (5Y)2.13
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 2.28%.
Compared to an average industry Dividend Yield of 3.50, EFSC is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.40, EFSC has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.28%

5.2 History

The dividend of EFSC is nicely growing with an annual growth rate of 11.88%!
EFSC has paid a dividend for at least 10 years, which is 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 (8/8/2025, 8:00:02 PM)

After market: 54.64 0 (0%)

54.64

+0.32 (+0.59%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-28 2025-07-28/amc
Earnings (Next)10-20 2025-10-20/amc
Inst Owners83.68%
Inst Owner Change-1.12%
Ins Owners1.58%
Ins Owner Change-1.92%
Market Cap2.02B
Analysts82
Price Target67.32 (23.21%)
Short Float %1.74%
Short Ratio3.58
Dividend
Industry RankSector Rank
Dividend Yield 2.28%
Yearly Dividend1.16
Dividend Growth(5Y)11.88%
DP23.36%
Div Incr Years10
Div Non Decr Years19
Ex-Date09-15 2025-09-15 (0.31)
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)0%
PT rev (3m)-4.41%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.65%
EPS NY rev (1m)-0.24%
EPS NY rev (3m)4.42%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.02%
Revenue NY rev (1m)-0.14%
Revenue NY rev (3m)2.93%
Valuation
Industry RankSector Rank
PE 10.37
Fwd PE 10.11
P/S 3.09
P/FCF 8.12
P/OCF 7.84
P/B 1.08
P/tB 1.35
EV/EBITDA N/A
EPS(TTM)5.27
EY9.64%
EPS(NY)5.41
Fwd EY9.89%
FCF(TTM)6.73
FCFY12.31%
OCF(TTM)6.97
OCFY12.76%
SpS17.7
BVpS50.56
TBVpS40.47
PEG (NY)1.36
PEG (5Y)2.13
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
WACC16.46%
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)13.58%
EPS 3Y7.61%
EPS 5Y4.88%
EPS Q2Q%14.29%
EPS Next Y7.6%
EPS Next 2Y5.46%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.26%
Revenue growth 3Y14.23%
Revenue growth 5Y17.24%
Sales Q2Q%11.12%
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%