ENTERPRISE FINANCIAL SERVICE (EFSC) Stock Fundamental Analysis
NASDAQ:EFSC - Nasdaq - US2937121059 - Common Stock - Currency: USD
We assign a fundamental rating of 4 out of 10 to EFSC. EFSC was compared to 396 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 decent growth rate and is not valued too expensively.
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.
EFSC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
EFSC has a better Return On Assets (1.22%) than 79.29% of its industry peers.
The Return On Equity of EFSC (10.23%) is better than 67.93% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
With an excellent Profit Margin value of 29.22%, EFSC belongs to the best of the industry, outperforming 80.05% of the companies in the same industry.
In the last couple of years the Profit Margin of EFSC has declined.
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) | 29.22% | ||
| 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
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
The debt/assets ratio for EFSC has been reduced compared to a year ago.
2.2 Solvency
EFSC has a debt to FCF ratio of 1.66. This is a very positive value and a sign of high solvency as it would only need 1.66 years to pay back of all of its debts.
EFSC's Debt to FCF ratio of 1.66 is in line compared to the rest of the industry. EFSC outperforms 55.05% 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.
Looking at the Debt to Equity ratio, with a value of 0.22, EFSC is doing worse than 62.12% of the companies in the same industry.
Even though the debt/equity ratio score it not favorable for EFSC, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 1.66 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.87%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 7.59% 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.
The Revenue has been growing slightly by 4.66% in the past year.
EFSC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 17.24% yearly.
EPS 1Y (TTM)7.59%
EPS 3Y7.61%
EPS 5Y4.88%
EPS Q2Q%22.43%
Revenue 1Y (TTM)4.66%
Revenue growth 3Y14.23%
Revenue growth 5Y17.24%
Sales Q2Q%10.75%
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 5.96% on average per year.
Based on estimates for the next years, EFSC will show a small growth in Revenue. The Revenue will grow by 6.05% on average per year.
EPS Next Y7.99%
EPS Next 2Y5.96%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.27%
Revenue Next 2Y6.05%
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 accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 10.24 indicates a reasonable valuation of EFSC.
70.96% of the companies in the same industry are more expensive than EFSC, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.29, EFSC is valued rather cheaply.
A Price/Forward Earnings ratio of 9.57 indicates a reasonable valuation of EFSC.
EFSC's Price/Forward Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.17, EFSC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.24 | ||
| Fwd PE | 9.57 |
4.2 Price Multiples
79.55% 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 | 7.76 | ||
| EV/EBITDA | N/A |
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)1.28
PEG (5Y)2.1
EPS Next 2Y5.96%
EPS Next 3YN/A
5. Dividend
5.1 Amount
EFSC has a Yearly Dividend Yield of 2.25%.
Compared to an average industry Dividend Yield of 3.46, EFSC is paying slightly less dividend.
EFSC's Dividend Yield is comparable with the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.25% |
5.2 History
On average, the dividend of EFSC grows each year by 11.88%, 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)11.88%
Div Incr Years10
Div Non Decr Years19
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 2Y5.96%
EPS Next 3YN/A
52.21
-0.73 (-1.38%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners80.21%
Inst Owner Change-55.55%
Ins Owners2.5%
Ins Owner Change4.37%
Market Cap1.93B
Analysts81.82
Price Target65.03 (24.55%)
Short Float %2.04%
Short Ratio2.78
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.25% |
Yearly Dividend1.16
Dividend Growth(5Y)11.88%
DP23.36%
Div Incr Years10
Div Non Decr Years19
Ex-Date
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)-6.25%
PT rev (3m)-7.27%
EPS NQ rev (1m)0.53%
EPS NQ rev (3m)3.3%
EPS NY rev (1m)4.8%
EPS NY rev (3m)4.8%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.2%
Revenue NY rev (1m)2.91%
Revenue NY rev (3m)2.91%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.24 | ||
| Fwd PE | 9.57 | ||
| P/S | 2.95 | ||
| P/FCF | 7.76 | ||
| P/OCF | 7.49 | ||
| P/B | 1.03 | ||
| P/tB | 1.29 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.1
EY9.77%
EPS(NY)5.46
Fwd EY10.45%
FCF(TTM)6.73
FCFY12.89%
OCF(TTM)6.97
OCFY13.36%
SpS17.71
BVpS50.58
TBVpS40.49
PEG (NY)1.28
PEG (5Y)2.1
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC16.87%
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)7.59%
EPS 3Y7.61%
EPS 5Y4.88%
EPS Q2Q%22.43%
EPS Next Y7.99%
EPS Next 2Y5.96%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)4.66%
Revenue growth 3Y14.23%
Revenue growth 5Y17.24%
Sales Q2Q%10.75%
Revenue Next Year7.27%
Revenue Next 2Y6.05%
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%