ENTERPRISE FINANCIAL SER - EFSC 5 PERP (EFSCP) Fundamental Analysis & Valuation

NASDAQ:EFSCP • US2937123030

Current stock price

19.26 USD
+0.01 (+0.05%)
Last:

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

4

1. EFSCP Profitability Analysis

1.1 Basic Checks

  • In the past year EFSCP was profitable.
  • In the past year EFSCP had a positive cash flow from operations.
  • Each year in the past 5 years EFSCP has been profitable.
  • In the past 5 years EFSCP always reported a positive cash flow from operatings.
EFSCP Yearly Net Income VS EBIT VS OCF VS FCFEFSCP 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

  • The Return On Assets of EFSCP (1.14%) is better than 68.16% of its industry peers.
  • The Return On Equity of EFSCP (9.69%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 1.14%
ROE 9.69%
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
EFSCP Yearly ROA, ROE, ROICEFSCP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10

1.3 Margins

  • The Profit Margin of EFSCP (26.71%) is better than 60.79% of its industry peers.
  • EFSCP's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for EFSCP so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 26.71%
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
EFSCP Yearly Profit, Operating, Gross MarginsEFSCP 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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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. EFSCP Health Analysis

2.1 Basic Checks

  • EFSCP does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for EFSCP remains at a similar level compared to 1 year ago.
  • EFSCP has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for EFSCP has been reduced compared to a year ago.
EFSCP Yearly Shares OutstandingEFSCP Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
EFSCP Yearly Total Debt VS Total AssetsEFSCP 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

  • EFSCP has a debt to FCF ratio of 2.65. This is a good value and a sign of high solvency as EFSCP would need 2.65 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 2.65, EFSCP perfoms like the industry average, outperforming 42.63% of the companies in the same industry.
  • A Debt/Equity ratio of 0.24 indicates that EFSCP is not too dependend on debt financing.
  • The Debt to Equity ratio of EFSCP (0.24) is worse than 61.32% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 2.65
Altman-Z N/A
ROIC/WACCN/A
WACC22.37%
EFSCP Yearly LT Debt VS Equity VS FCFEFSCP 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
EFSCP Yearly Current Assets VS Current LiabilitesEFSCP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

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

5

3. EFSCP Growth Analysis

3.1 Past

  • EFSCP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.26%, which is quite good.
  • EFSCP 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.
  • EFSCP shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 17.92% yearly.
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

  • EFSCP is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.19% yearly.
  • Based on estimates for the next years, EFSCP will show a small growth in Revenue. The Revenue will grow by 4.84% on average per year.
EPS Next Y6.31%
EPS Next 2Y6.19%
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

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • 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.
EFSCP Yearly Revenue VS EstimatesEFSCP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M
EFSCP Yearly EPS VS EstimatesEFSCP Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4 5

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8

4. EFSCP Valuation Analysis

4.1 Price/Earnings Ratio

  • EFSCP is valuated cheaply with a Price/Earnings ratio of 3.63.
  • Based on the Price/Earnings ratio, EFSCP is valued cheaply inside the industry as 97.63% of the companies are valued more expensively.
  • EFSCP is valuated cheaply when we compare the Price/Earnings ratio to 24.75, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 3.41, the valuation of EFSCP can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, EFSCP is valued cheaply inside the industry as 97.37% of the companies are valued more expensively.
  • EFSCP is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.10, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 3.63
Fwd PE 3.41
EFSCP Price Earnings VS Forward Price EarningsEFSCP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of EFSCP indicates a rather cheap valuation: EFSCP is cheaper than 94.21% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 3.91
EV/EBITDA N/A
EFSCP Per share dataEFSCP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

4.3 Compensation for Growth

  • EFSCP's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.58
PEG (5Y)0.4
EPS Next 2Y6.19%
EPS Next 3YN/A

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

5

5. EFSCP Dividend Analysis

5.1 Amount

  • EFSCP has a Yearly Dividend Yield of 2.43%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.66, EFSCP has a dividend in line with its industry peers.
  • EFSCP's Dividend Yield is a higher than the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 2.43%

5.2 History

  • The dividend of EFSCP is nicely growing with an annual growth rate of 14.11%!
  • EFSCP has been paying a dividend for over 5 years, so it has already some track record.
  • The dividend of EFSCP decreased recently.
Dividend Growth(5Y)14.11%
Div Incr Years0
Div Non Decr Years1
EFSCP Yearly Dividends per shareEFSCP Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 24.72% of the earnings are spent on dividend by EFSCP. This is a low number and sustainable payout ratio.
  • The dividend of EFSCP is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP24.72%
EPS Next 2Y6.19%
EPS Next 3YN/A
EFSCP Yearly Income VS Free CF VS DividendEFSCP 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
EFSCP Dividend Payout.EFSCP Dividend Payout, showing the Payout Ratio.EFSCP Dividend Payout.PayoutRetained Earnings

More info and screens

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EFSCP Fundamentals: All Metrics, Ratios and Statistics

ENTERPRISE FINANCIAL SER - EFSC 5 PERP

NASDAQ:EFSCP (3/30/2026, 8:00:02 PM)

19.26

+0.01 (+0.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-27
Inst Owners83.17%
Inst Owner ChangeN/A
Ins Owners1.73%
Ins Owner ChangeN/A
Market Cap709.15M
Revenue(TTM)739.86M
Net Income(TTM)197.62M
Analysts78.18
Price Target23.92 (24.2%)
Short Float %0.07%
Short Ratio9.56
Dividend
Industry RankSector Rank
Dividend Yield 2.43%
Yearly Dividend1.32
Dividend Growth(5Y)14.11%
DP24.72%
Div Incr Years0
Div Non Decr Years1
Ex-Date02-27
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-1.99%
Min EPS beat(2)-9.87%
Max EPS beat(2)5.9%
EPS beat(4)3
Avg EPS beat(4)4.01%
Min EPS beat(4)-9.87%
Max EPS beat(4)10.35%
EPS beat(8)6
Avg EPS beat(8)5.11%
EPS beat(12)7
Avg EPS beat(12)2.98%
EPS beat(16)11
Avg EPS beat(16)4.19%
Revenue beat(2)1
Avg Revenue beat(2)5.55%
Min Revenue beat(2)-2.72%
Max Revenue beat(2)13.83%
Revenue beat(4)2
Avg Revenue beat(4)3.36%
Min Revenue beat(4)-2.72%
Max Revenue beat(4)13.83%
Revenue beat(8)4
Avg Revenue beat(8)1.23%
Revenue beat(12)5
Avg Revenue beat(12)0.67%
Revenue beat(16)6
Avg Revenue beat(16)0.69%
PT rev (1m)2.72%
PT rev (3m)2.2%
EPS NQ rev (1m)0.09%
EPS NQ rev (3m)1.23%
EPS NY rev (1m)0.07%
EPS NY rev (3m)0.61%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.54%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.9%
Valuation
Industry RankSector Rank
PE 3.63
Fwd PE 3.41
P/S 0.96
P/FCF 3.91
P/OCF 3.66
P/B 0.35
P/tB 0.44
EV/EBITDA N/A
EPS(TTM)5.31
EY27.57%
EPS(NY)5.64
Fwd EY29.31%
FCF(TTM)4.93
FCFY25.6%
OCF(TTM)5.26
OCFY27.29%
SpS20.09
BVpS55.39
TBVpS43.49
PEG (NY)0.58
PEG (5Y)0.4
Graham Number81.35
Profitability
Industry RankSector Rank
ROA 1.14%
ROE 9.69%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.71%
GM N/A
FCFM 24.54%
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-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 2.65
Debt/EBITDA N/A
Cap/Depr 114.07%
Cap/Sales 1.62%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 91.86%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC22.37%
ROIC/WACCN/A
Cap/Depr(3y)88.31%
Cap/Depr(5y)60.68%
Cap/Sales(3y)1.28%
Cap/Sales(5y)0.95%
Profit Quality(3y)120.51%
Profit Quality(5y)117.64%
High Growth Momentum
Growth
EPS 1Y (TTM)9.26%
EPS 3Y-0.06%
EPS 5Y9.01%
EPS Q2Q%13.28%
EPS Next Y6.31%
EPS Next 2Y6.19%
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-24.34%
FCF growth 3Y-5.44%
FCF growth 5Y6.39%
OCF growth 1Y-21.78%
OCF growth 3Y-3.69%
OCF growth 5Y7.39%

ENTERPRISE FINANCIAL SER - EFSC 5 PERP / EFSCP Fundamental Analysis FAQ

What is the ChartMill fundamental rating of ENTERPRISE FINANCIAL SER - EFSC 5 PERP (EFSCP) stock?

ChartMill assigns a fundamental rating of 4 / 10 to EFSCP.


What is the valuation status for EFSCP stock?

ChartMill assigns a valuation rating of 8 / 10 to ENTERPRISE FINANCIAL SER - EFSC 5 PERP (EFSCP). This can be considered as Undervalued.


How profitable is ENTERPRISE FINANCIAL SER - EFSC 5 PERP (EFSCP) stock?

ENTERPRISE FINANCIAL SER - EFSC 5 PERP (EFSCP) has a profitability rating of 4 / 10.


Can you provide the financial health for EFSCP stock?

The financial health rating of ENTERPRISE FINANCIAL SER - EFSC 5 PERP (EFSCP) is 2 / 10.


How sustainable is the dividend of ENTERPRISE FINANCIAL SER - EFSC 5 PERP (EFSCP) stock?

The dividend rating of ENTERPRISE FINANCIAL SER - EFSC 5 PERP (EFSCP) is 5 / 10 and the dividend payout ratio is 24.72%.