EFSC Fundamental Analysis - ENTERPRISE FINANCIAL SERVICE

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to EFSC. EFSC was compared to 395 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 is not valued too expensively and it also shows a decent growth rate.

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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.

Each year in the past 5 years EFSC had a positive operating cash flow.

1.2 Ratios

EFSC has a Return On Assets of 1.23%. This is amongst the best in the industry. EFSC outperforms 80.81% of its industry peers.

The Return On Equity of EFSC (10.25%) is better than 68.69% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.23%
ROE	10.25%
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

Looking at the Profit Margin, with a value of 29.35%, EFSC is in the better half of the industry, outperforming 79.55% 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 Rank	Sector Rank
OM	N/A
PM (TTM)	29.35%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

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

EFSC has a debt to FCF ratio of 1.58. This is a very positive value and a sign of high solvency as it would only need 1.58 years to pay back of all of its debts.

EFSC has a Debt to FCF ratio (1.58) which is in line with its industry peers.

A Debt/Equity ratio of 0.19 indicates that EFSC is not too dependend on debt financing.

EFSC has a Debt to Equity ratio of 0.19. This is comparable to the rest of the industry: EFSC outperforms 43.18% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.19
Debt/FCF	1.58
Altman-Z	N/A

ROIC/WACCN/A

WACC15.74%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

EFSC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.58%, which is quite good.

EFSC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.88% yearly.

The Revenue has been growing slightly by 7.26% in the past 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

EFSC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.17% yearly.

The Revenue is expected to grow by 5.67% on average over the next years.

EPS Next Y10.28%

EPS Next 2Y6.34%

EPS Next 3Y5.17%

EPS Next 5YN/A

Revenue Next Year11.25%

Revenue Next 2Y7.88%

Revenue Next 3Y5.67%

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 11.62 indicates a reasonable valuation of EFSC.

Based on the Price/Earnings ratio, EFSC is valued a bit cheaper than 64.90% of the companies in the same industry.

When comparing the Price/Earnings ratio of EFSC to the average of the S&P500 Index (27.13), we can say EFSC is valued rather cheaply.

With a Price/Forward Earnings ratio of 11.14, the valuation of EFSC can be described as very reasonable.

The rest of the industry has a similar Price/Forward Earnings ratio as EFSC.

When comparing the Price/Forward Earnings ratio of EFSC to the average of the S&P500 Index (22.76), we can say EFSC is valued rather cheaply.

		Industry Rank	Sector Rank
PE	11.62
Fwd PE	11.14

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, EFSC is valued a bit cheaper than 73.23% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	9.73
EV/EBITDA	N/A

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

PEG (NY)1.13

PEG (5Y)2.38

EPS Next 2Y6.34%

EPS Next 3Y5.17%

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5. Dividend

5.1 Amount

EFSC has a Yearly Dividend Yield of 2.01%.

EFSC's Dividend Yield is slightly below the industry average, which is at 3.17.

Compared to an average S&P500 Dividend Yield of 2.32, EFSC has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.01%

5.2 History

On average, the dividend of EFSC grows each year by 11.88%, which is quite nice.

EFSC has paid a dividend for at least 10 years, which is a reliable track record.

EFSC has not decreased their dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)11.88%

Div Incr Years10

Div Non Decr Years19

5.3 Sustainability

23.34% 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.

DP23.34%

EPS Next 2Y6.34%

EPS Next 3Y5.17%

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ENTERPRISE FINANCIAL SERVICE

NASDAQ:EFSC (8/29/2025, 8:18:09 PM)

After market: 61.24 0 (0%)

61.24

-0.41 (-0.67%)

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-1.81%

Ins Owners1.58%

Ins Owner Change0.74%

Market Cap2.27B

Analysts82

Price Target68.34 (11.59%)

Short Float %1.75%

Short Ratio3.51

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.01%

Yearly Dividend1.16

Dividend Growth(5Y)11.88%

DP23.34%

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)10.01%

Min EPS beat(2)9.68%

Max EPS beat(2)10.35%

EPS beat(4)4

Avg EPS beat(4)10.12%

Min EPS beat(4)6.73%

Max EPS beat(4)13.72%

EPS beat(8)5

Avg EPS beat(8)4.63%

EPS beat(12)8

Avg EPS beat(12)4.88%

EPS beat(16)11

Avg EPS beat(16)1.13%

Revenue beat(2)1

Avg Revenue beat(2)1.17%

Min Revenue beat(2)-0.05%

Max Revenue beat(2)2.4%

Revenue beat(4)3

Avg Revenue beat(4)1.57%

Min Revenue beat(4)-0.05%

Max Revenue beat(4)2.4%

Revenue beat(8)4

Avg Revenue beat(8)-0.09%

Revenue beat(12)5

Avg Revenue beat(12)0.19%

Revenue beat(16)6

Avg Revenue beat(16)-0.09%

PT rev (1m)3.08%

PT rev (3m)5.1%

EPS NQ rev (1m)1.02%

EPS NQ rev (3m)4.19%

EPS NY rev (1m)2.49%

EPS NY rev (3m)2.12%

Revenue NQ rev (1m)1.64%

Revenue NQ rev (3m)7.15%

Revenue NY rev (1m)3.7%

Revenue NY rev (3m)3.71%

Valuation

		Industry Rank	Sector Rank
PE	11.62
Fwd PE	11.14
P/S	3.37
P/FCF	9.73
P/OCF	9.35
P/B	1.18
P/tB	1.46
EV/EBITDA	N/A

EPS(TTM)5.27

EY8.61%

EPS(NY)5.5

Fwd EY8.97%

FCF(TTM)6.3

FCFY10.28%

OCF(TTM)6.55

OCFY10.7%

SpS18.15

BVpS51.98

TBVpS41.93

PEG (NY)1.13

PEG (5Y)2.38

Profitability

		Industry Rank	Sector Rank
ROA	1.23%
ROE	10.25%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	29.35%
GM	N/A
FCFM	34.69%

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 Rank	Sector Rank
Debt/Equity	0.19
Debt/FCF	1.58
Debt/EBITDA	N/A
Cap/Depr	103.9%
Cap/Sales	1.41%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	118.19%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

WACC15.74%

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 Y10.28%

EPS Next 2Y6.34%

EPS Next 3Y5.17%

EPS Next 5YN/A

Revenue 1Y (TTM)7.26%

Revenue growth 3Y14.23%

Revenue growth 5Y17.24%

Sales Q2Q%11.12%

Revenue Next Year11.25%

Revenue Next 2Y7.88%

Revenue Next 3Y5.67%

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-2.65%

FCF growth 3Y14.92%

FCF growth 5Y22.72%

OCF growth 1Y0.25%

OCF growth 3Y15.49%

OCF growth 5Y21.75%

ENTERPRISE FINANCIAL SERVICE (EFSC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens