ENTERPRISE FINANCIAL SERVICE (EFSC) Stock Fundamental Analysis
USA - NASDAQ:EFSC - US2937121059 - Common Stock
53.4 USD
-0.07 (-0.13%)
53.4 USD
0 (0%)
Overall EFSC gets a fundamental rating of 4 out of 10. We evaluated EFSC against 388 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.
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.
In the past 5 years EFSC has always been profitable.
In the past 5 years EFSC always reported a positive cash flow from operatings.
1.2 Ratios
With an excellent Return On Assets value of 1.23%, EFSC belongs to the best of the industry, outperforming 80.15% of the companies in the same industry.
With a decent Return On Equity value of 10.25%, EFSC is doing good in the industry, outperforming 67.01% of the companies in the same industry.
| 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
EFSC's Profit Margin of 29.35% is fine compared to the rest of the industry. EFSC outperforms 78.87% of its industry peers.
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
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.
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.
2.2 Solvency
The Debt to FCF ratio of EFSC is 1.58, which is an excellent value as it means it would take EFSC, only 1.58 years of fcf income to pay off all of its debts.
EFSC has a Debt to FCF ratio of 1.58. This is comparable to the rest of the industry: EFSC outperforms 55.93% of 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 (0.19) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 1.58 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.49%
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.
Measured over the past 5 years, EFSC shows a small growth in Earnings Per Share. The EPS has been growing by 4.88% on average per year.
The Revenue has grown by 11.67% in the past year. This is quite good.
Measured over the past years, EFSC shows a quite strong growth in Revenue. The Revenue has been growing by 17.24% on average per year.
EPS 1Y (TTM)7.31%
EPS 3Y7.61%
EPS 5Y4.88%
EPS Q2Q%-9.85%
Revenue 1Y (TTM)11.67%
Revenue growth 3Y14.23%
Revenue growth 5Y17.24%
Sales Q2Q%24.29%
3.2 Future
EFSC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.38% yearly.
Based on estimates for the next years, EFSC will show a small growth in Revenue. The Revenue will grow by 6.59% on average per year.
EPS Next Y9.72%
EPS Next 2Y7.39%
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
A Price/Earnings ratio of 10.39 indicates a reasonable valuation of EFSC.
EFSC's Price/Earnings ratio is a bit cheaper when compared to the industry. EFSC is cheaper than 68.81% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.35, EFSC is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 9.53, the valuation of EFSC can be described as reasonable.
EFSC's Price/Forward Earnings is on the same level as the industry average.
EFSC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 33.72.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.39 | ||
| Fwd PE | 9.53 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, EFSC is valued a bit cheaper than the industry average as 77.84% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.48 | ||
| 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)1.07
PEG (5Y)2.13
EPS Next 2Y7.39%
EPS Next 3Y6.38%
5. Dividend
5.1 Amount
EFSC has a Yearly Dividend Yield of 2.42%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.38, EFSC is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.36, EFSC has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.42% |
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
23.34% of the earnings are spent on dividend by EFSC. This is a low number and sustainable payout ratio.
The dividend of EFSC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP23.34%
EPS Next 2Y7.39%
EPS Next 3Y6.38%
53.4
-0.07 (-0.13%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners82.8%
Inst Owner Change3.31%
Ins Owners1.62%
Ins Owner Change0.67%
Market Cap1.98B
Revenue(TTM)711.30M
Net Income(TTM)197.01M
Analysts80
Price Target68.34 (27.98%)
Short Float %2.13%
Short Ratio4.71
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.42% |
Yearly Dividend1.16
Dividend Growth(5Y)11.88%
DP23.34%
Div Incr Years10
Div Non Decr Years19
Ex-Date
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)0%
PT rev (3m)1.52%
EPS NQ rev (1m)0.3%
EPS NQ rev (3m)1.72%
EPS NY rev (1m)-2.29%
EPS NY rev (3m)1.97%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)1.72%
Revenue NY rev (3m)5.48%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.39 | ||
| Fwd PE | 9.53 | ||
| P/S | 2.94 | ||
| P/FCF | 8.48 | ||
| P/OCF | 8.15 | ||
| P/B | 1.03 | ||
| P/tB | 1.27 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.14
EY9.63%
EPS(NY)5.6
Fwd EY10.5%
FCF(TTM)6.3
FCFY11.79%
OCF(TTM)6.55
OCFY12.27%
SpS18.15
BVpS51.98
TBVpS41.93
PEG (NY)1.07
PEG (5Y)2.13
Graham Number77.54
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
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-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
WACC16.49%
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)7.31%
EPS 3Y7.61%
EPS 5Y4.88%
EPS Q2Q%-9.85%
EPS Next Y9.72%
EPS Next 2Y7.39%
EPS Next 3Y6.38%
EPS Next 5YN/A
Revenue 1Y (TTM)11.67%
Revenue growth 3Y14.23%
Revenue growth 5Y17.24%
Sales Q2Q%24.29%
Revenue Next Year13.16%
Revenue Next 2Y9.08%
Revenue Next 3Y6.59%
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 FAQ
What is the fundamental rating for EFSC stock?
ChartMill assigns a fundamental rating of 4 / 10 to EFSC.
What is the valuation status of ENTERPRISE FINANCIAL SERVICE (EFSC) stock?
ChartMill assigns a valuation rating of 5 / 10 to ENTERPRISE FINANCIAL SERVICE (EFSC). This can be considered as Fairly Valued.
Can you provide the profitability details for ENTERPRISE FINANCIAL SERVICE?
ENTERPRISE FINANCIAL SERVICE (EFSC) has a profitability rating of 4 / 10.
What are the PE and PB ratios of ENTERPRISE FINANCIAL SERVICE (EFSC) stock?
The Price/Earnings (PE) ratio for ENTERPRISE FINANCIAL SERVICE (EFSC) is 10.39 and the Price/Book (PB) ratio is 1.03.
Can you provide the dividend sustainability for EFSC stock?
The dividend rating of ENTERPRISE FINANCIAL SERVICE (EFSC) is 5 / 10 and the dividend payout ratio is 23.34%.