ENTERPRISE FINANCIAL SERVICE (EFSC) Fundamental Analysis & Valuation

NASDAQ:EFSC • US2937121059

56.06 USD
-0.68 (-1.2%)
At close: Mar 5, 2026
56.06 USD
0 (0%)
After Hours: 3/5/2026, 8:00:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This EFSC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to EFSC. EFSC was compared to 379 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

4

1. EFSC Profitability Analysis

1.1 Basic Checks

  • EFSC had positive earnings in the past year.
  • In the past year EFSC had a positive cash flow from operations.
  • In the past 5 years EFSC has always been profitable.
  • Of the past 5 years EFSC 4 years 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M

1.2 Ratios

  • With a decent Return On Assets value of 1.17%, EFSC is doing good in the industry, outperforming 72.30% of the companies in the same industry.
  • EFSC's Return On Equity of 9.67% is in line compared to the rest of the industry. EFSC outperforms 58.84% of its industry peers.
Industry RankSector Rank
ROA 1.17%
ROE 9.67%
ROIC N/A
ROA(3y)1.21%
ROA(5y)1.22%
ROE(3y)10.24%
ROE(5y)10.5%
ROIC(3y)N/A
ROIC(5y)N/A
EFSC Yearly ROA, ROE, ROICEFSC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10

1.3 Margins

  • EFSC's Profit Margin of 26.89% is fine compared to the rest of the industry. EFSC outperforms 63.32% of its industry peers.
  • In the last couple of years the Profit Margin of EFSC has grown nicely.
  • The Operating Margin and Gross Margin are not available for EFSC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 26.89%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-10.56%
PM growth 5Y3.1%
GM growth 3YN/A
GM growth 5YN/A
EFSC Yearly Profit, Operating, Gross MarginsEFSC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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3

2. EFSC Health Analysis

2.1 Basic Checks

  • EFSC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, EFSC has about the same amount of shares outstanding.
  • The number of shares outstanding for EFSC has been increased compared to 5 years ago.
  • Compared to 1 year ago, EFSC has an improved debt to assets ratio.
EFSC Yearly Shares OutstandingEFSC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
EFSC Yearly Total Debt VS Total AssetsEFSC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B

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 has a Debt to FCF ratio of 1.78. This is comparable to the rest of the industry: EFSC outperforms 52.77% of its industry peers.
  • EFSC has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.
  • EFSC has a Debt to Equity ratio of 0.17. This is comparable to the rest of the industry: EFSC outperforms 49.60% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 1.78
Altman-Z N/A
ROIC/WACCN/A
WACC16.15%
EFSC Yearly LT Debt VS Equity VS FCFEFSC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. EFSC Growth Analysis

3.1 Past

  • EFSC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.26%, which is quite good.
  • EFSC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.01% yearly.
  • The Revenue has grown by 16.00% in the past year. This is quite good.
  • The Revenue has been growing by 17.92% on average over the past years. This is quite good.
EPS 1Y (TTM)9.26%
EPS 3Y-0.06%
EPS 5Y9.01%
EPS Q2Q%13.28%
Revenue 1Y (TTM)16%
Revenue growth 3Y11.54%
Revenue growth 5Y17.92%
Sales Q2Q%10.39%

3.2 Future

  • The Earnings Per Share is expected to grow by 6.35% on average over the next years.
  • Based on estimates for the next years, EFSC will show a small growth in Revenue. The Revenue will grow by 4.84% on average per year.
EPS Next Y6.23%
EPS Next 2Y6.35%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.1%
Revenue Next 2Y4.84%
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.
EFSC Yearly Revenue VS EstimatesEFSC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M
EFSC Yearly EPS VS EstimatesEFSC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6

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5

4. EFSC Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 10.56 indicates a reasonable valuation of EFSC.
  • 70.18% of the companies in the same industry are more expensive than EFSC, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of EFSC to the average of the S&P500 Index (26.74), we can say EFSC is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 9.94, the valuation of EFSC can be described as reasonable.
  • The rest of the industry has a similar Price/Forward Earnings ratio as EFSC.
  • EFSC is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.82, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.56
Fwd PE 9.94
EFSC Price Earnings VS Forward Price EarningsEFSC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 63.32% of the companies in the same industry are more expensive than EFSC, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 10.8
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)1.69
PEG (5Y)1.17
EPS Next 2Y6.35%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. EFSC Dividend Analysis

5.1 Amount

  • EFSC has a Yearly Dividend Yield of 2.24%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.73, EFSC is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.82, EFSC pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.24%

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • EFSC pays out 24.55% of its income as dividend. This is a sustainable payout ratio.
  • EFSC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP24.55%
EPS Next 2Y6.35%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M
EFSC Dividend Payout.EFSC Dividend Payout, showing the Payout Ratio.EFSC Dividend Payout.PayoutRetained Earnings

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EFSC Fundamentals: All Metrics, Ratios and Statistics

ENTERPRISE FINANCIAL SERVICE

NASDAQ:EFSC (3/5/2026, 8:00:02 PM)

After market: 56.06 0 (0%)

56.06

-0.68 (-1.2%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-27
Inst Owners84.38%
Inst Owner Change-2.19%
Ins Owners1.63%
Ins Owner Change4.81%
Market Cap2.07B
Revenue(TTM)739.86M
Net Income(TTM)191.77M
Analysts78
Price Target67.32 (20.09%)
Short Float %1.61%
Short Ratio3.06
Dividend
Industry RankSector Rank
Dividend Yield 2.24%
Yearly Dividend1.16
Dividend Growth(5Y)11.88%
DP24.55%
Div Incr Years10
Div Non Decr Years19
Ex-Date03-13
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)2.33%
PT rev (3m)2.33%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.59%
EPS NY rev (1m)0.54%
EPS NY rev (3m)0.65%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.9%
Revenue NY rev (3m)0.9%
Valuation
Industry RankSector Rank
PE 10.56
Fwd PE 9.94
P/S 2.91
P/FCF 10.8
P/OCF 10.23
P/B 1.05
P/tB 1.29
EV/EBITDA N/A
EPS(TTM)5.31
EY9.47%
EPS(NY)5.64
Fwd EY10.06%
FCF(TTM)5.19
FCFY9.26%
OCF(TTM)5.48
OCFY9.78%
SpS19.29
BVpS53.62
TBVpS43.58
PEG (NY)1.69
PEG (5Y)1.17
Graham Number80.04
Profitability
Industry RankSector 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)1.21%
ROA(5y)1.22%
ROE(3y)10.24%
ROE(5y)10.5%
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-10.56%
PM growth 5Y3.1%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector 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-Score8
WACC16.15%
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)9.26%
EPS 3Y-0.06%
EPS 5Y9.01%
EPS Q2Q%13.28%
EPS Next Y6.23%
EPS Next 2Y6.35%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)16%
Revenue growth 3Y11.54%
Revenue growth 5Y17.92%
Sales Q2Q%10.39%
Revenue Next Year6.1%
Revenue Next 2Y4.84%
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 1Y-27.34%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-26.01%
OCF growth 3YN/A
OCF growth 5YN/A

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 for EFSC stock?

ChartMill assigns a valuation rating of 5 / 10 to ENTERPRISE FINANCIAL SERVICE (EFSC). This can be considered as Fairly Valued.


How profitable is ENTERPRISE FINANCIAL SERVICE (EFSC) stock?

ENTERPRISE FINANCIAL SERVICE (EFSC) has a profitability rating of 4 / 10.


Can you provide the financial health for EFSC stock?

The financial health rating of ENTERPRISE FINANCIAL SERVICE (EFSC) is 3 / 10.


How sustainable is the dividend of ENTERPRISE FINANCIAL SERVICE (EFSC) stock?

The dividend rating of ENTERPRISE FINANCIAL SERVICE (EFSC) is 6 / 10 and the dividend payout ratio is 24.55%.