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

NASDAQ:EFSCP • US2937123030

20.29 USD
-0.31 (-1.5%)
Last: Mar 5, 2026, 08:00 PM
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This EFSCP fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

5

Overall EFSCP gets a fundamental rating of 5 out of 10. We evaluated EFSCP against 379 industry peers in the Banks industry. EFSCP has a medium profitability rating, but doesn't score so well on its financial health evaluation. EFSCP scores decently on growth, while it is valued quite cheap. This could make an interesting combination.


Dividend Valuation Growth Profitability Health

4

1. EFSCP Profitability Analysis

1.1 Basic Checks

  • In the past year EFSCP was profitable.
  • EFSCP had a positive operating cash flow in the past year.
  • In the past 5 years EFSCP has always been profitable.
  • Of the past 5 years EFSCP 4 years had a positive operating cash flow.
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

  • With a decent Return On Assets value of 1.17%, EFSCP is doing good in the industry, outperforming 72.56% of the companies in the same industry.
  • EFSCP has a Return On Equity (9.67%) which is comparable to the rest of the industry.
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
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

  • Looking at the Profit Margin, with a value of 26.89%, EFSCP is in the better half of the industry, outperforming 63.59% of the companies in the same industry.
  • EFSCP's Profit Margin has improved in the last couple of years.
  • EFSCP does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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
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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3

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.
  • EFSCP has about the same amout of shares outstanding than it did 1 year ago.
  • The number of shares outstanding for EFSCP has been increased compared to 5 years ago.
  • Compared to 1 year ago, EFSCP has an improved debt to assets ratio.
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 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.
  • With a Debt to FCF ratio value of 1.78, EFSCP perfoms like the industry average, outperforming 53.03% of the companies in the same industry.
  • EFSCP has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.
  • With a Debt to Equity ratio value of 0.17, EFSCP perfoms like the industry average, outperforming 49.87% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 1.78
Altman-Z N/A
ROIC/WACCN/A
WACC24.49%
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

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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

  • The Earnings Per Share has grown by an nice 9.26% over the past year.
  • EFSCP shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.01% yearly.
  • Looking at the last year, EFSCP shows a quite strong growth in Revenue. The Revenue has grown by 16.00% in the last year.
  • 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

  • Based on estimates for the next years, EFSCP will show a small growth in Earnings Per Share. The EPS will grow by 6.35% on average per year.
  • The Revenue is expected to grow by 4.84% on average over the next years.
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

  • 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 2 4 6

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8

4. EFSCP Valuation Analysis

4.1 Price/Earnings Ratio

  • EFSCP is valuated cheaply with a Price/Earnings ratio of 3.82.
  • Based on the Price/Earnings ratio, EFSCP is valued cheaper than 97.89% of the companies in the same industry.
  • EFSCP is valuated cheaply when we compare the Price/Earnings ratio to 26.74, which is the current average of the S&P500 Index.
  • EFSCP is valuated cheaply with a Price/Forward Earnings ratio of 3.60.
  • EFSCP's Price/Forward Earnings ratio is rather cheap when compared to the industry. EFSCP is cheaper than 97.89% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 24.82, EFSCP is valued rather cheaply.
Industry RankSector Rank
PE 3.82
Fwd PE 3.6
EFSCP Price Earnings VS Forward Price EarningsEFSCP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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 94.46% 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

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.61
PEG (5Y)0.42
EPS Next 2Y6.35%
EPS Next 3YN/A

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

4

5. EFSCP Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.24%, EFSCP has a reasonable but not impressive dividend return.
  • EFSCP's Dividend Yield is slightly below the industry average, which is at 2.73.
  • EFSCP's Dividend Yield is a higher than the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 2.24%

5.2 History

  • The dividend of EFSCP is nicely growing with an annual growth rate of 11.88%!
  • EFSCP has been paying a dividend for over 5 years, so it has already some track record.
  • EFSCP has decreased its dividend recently.
Dividend Growth(5Y)11.88%
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

  • EFSCP pays out 24.55% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of EFSCP is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP24.55%
EPS Next 2Y6.35%
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

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EFSCP Fundamentals: All Metrics, Ratios and Statistics

ENTERPRISE FINANCIAL SER - EFSC 5 PERP

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

20.29

-0.31 (-1.5%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-27
Inst Owners84.38%
Inst Owner ChangeN/A
Ins Owners1.63%
Ins Owner ChangeN/A
Market Cap750.12M
Revenue(TTM)739.86M
Net Income(TTM)191.77M
Analysts78
Price Target23.92 (17.89%)
Short Float %0.04%
Short Ratio5.68
Dividend
Industry RankSector Rank
Dividend Yield 2.24%
Yearly Dividend1.16
Dividend Growth(5Y)11.88%
DP24.55%
Div Incr Years0
Div Non Decr Years1
Ex-Date02-27
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)-4.16%
PT rev (3m)-3.46%
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 3.82
Fwd PE 3.6
P/S 1.05
P/FCF 3.91
P/OCF 3.7
P/B 0.38
P/tB 0.47
EV/EBITDA N/A
EPS(TTM)5.31
EY26.17%
EPS(NY)5.64
Fwd EY27.8%
FCF(TTM)5.19
FCFY25.57%
OCF(TTM)5.48
OCFY27.02%
SpS19.29
BVpS53.62
TBVpS43.58
PEG (NY)0.61
PEG (5Y)0.42
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
WACC24.49%
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 SER - EFSC 5 PERP / EFSCP FAQ

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

ChartMill assigns a fundamental rating of 5 / 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 3 / 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 4 / 10 and the dividend payout ratio is 24.55%.