55.66 USD
-2.27 (-3.92%)
We assign a fundamental rating of 4 out of 10 to EFSC. EFSC was compared to 383 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. EFSC also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- In the past year EFSC was profitable.
- EFSC had a positive operating cash flow in the past year.
- Each year in the past 5 years EFSC has been profitable.
- In the past 5 years EFSC always reported a positive cash flow from operatings.
1.2 Ratios
- The Return On Assets of EFSC (1.17%) is better than 73.63% of its industry peers.
- EFSC's Return On Equity of 9.67% is fine compared to the rest of the industry. EFSC outperforms 60.05% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.17% | ||
| ROE | 9.67% | ||
| 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 a decent Profit Margin value of 26.89%, EFSC is doing good in the industry, outperforming 64.75% of the companies in the same industry.
- 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) | 26.89% | ||
| 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.
- The number of shares outstanding for EFSC has been reduced compared to 1 year ago.
- Compared to 5 years ago, EFSC has more shares outstanding
- EFSC has a better debt/assets ratio than last year.
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.
- The Debt to FCF ratio of EFSC (1.78) is comparable to the rest of the industry.
- A Debt/Equity ratio of 0.17 indicates that EFSC is not too dependend on debt financing.
- With a Debt to Equity ratio value of 0.17, EFSC perfoms like the industry average, outperforming 49.35% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 1.78 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.09%
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 7.31% over the past year.
- The Earnings Per Share has been growing slightly by 4.88% on average over the past years.
- The Revenue has grown by 11.98% in the past year. This is quite good.
- The Revenue has been growing by 17.24% on average over the past years. This is quite good.
EPS 1Y (TTM)7.31%
EPS 3Y7.61%
EPS 5Y4.88%
EPS Q2Q%-9.85%
Revenue 1Y (TTM)11.98%
Revenue growth 3Y14.23%
Revenue growth 5Y17.24%
Sales Q2Q%24.29%
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 6.38% on average per year.
- EFSC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.59% yearly.
EPS Next Y9.22%
EPS Next 2Y7.45%
EPS Next 3Y6.38%
EPS Next 5YN/A
Revenue Next Year13.16%
Revenue Next 2Y9.08%
Revenue Next 3Y6.59%
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
- The Price/Earnings ratio is 10.83, which indicates a very decent valuation of EFSC.
- EFSC's Price/Earnings ratio is a bit cheaper when compared to the industry. EFSC is cheaper than 71.02% of the companies in the same industry.
- EFSC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.30.
- Based on the Price/Forward Earnings ratio of 9.92, the valuation of EFSC can be described as reasonable.
- Based on the Price/Forward Earnings ratio, EFSC is valued a bit cheaper than 61.36% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 24.32. EFSC is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.83 | ||
| Fwd PE | 9.92 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of EFSC indicates a somewhat cheap valuation: EFSC is cheaper than 62.14% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.74 | ||
| 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)1.17
PEG (5Y)2.22
EPS Next 2Y7.45%
EPS Next 3Y6.38%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 6.14%, EFSC is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 2.84, EFSC pays a better dividend. On top of this EFSC pays more dividend than 91.91% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.82, EFSC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.14% |
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
- 24.55% 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.
DP24.55%
EPS Next 2Y7.45%
EPS Next 3Y6.38%
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 8 / 10 and the dividend payout ratio is 24.55%.