19.2 USD
0 (0%)
Overall EFSCP gets a fundamental rating of 4 out of 10. We evaluated EFSCP against 387 industry peers in the Banks industry. EFSCP has a medium profitability rating, but doesn't score so well on its financial health evaluation. EFSCP may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
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.
EFSCP had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of EFSCP (1.17%) is better than 74.42% of its industry peers.
With a decent Return On Equity value of 9.67%, EFSCP is doing good in the industry, outperforming 61.24% of the companies in the same industry.
| 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
EFSCP has a better Profit Margin (26.89%) than 66.41% of its industry peers.
In the last couple of years the Profit Margin of EFSCP has declined.
EFSCP 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) | 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
EFSCP does not have a ROIC to compare to the WACC, probably because it is not profitable.
EFSCP has less shares outstanding than it did 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.
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.
EFSCP has a Debt to FCF ratio (1.78) which is comparable to the rest of the industry.
EFSCP has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.17, EFSCP is in line with its industry, outperforming 49.87% 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
WACC25.08%
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, EFSCP shows a small growth in Earnings Per Share. The EPS has been growing by 4.88% on average per year.
EFSCP shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.98%.
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, EFSCP will show a small growth in Earnings Per Share. The EPS will grow by 6.38% on average per year.
EFSCP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.59% yearly.
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 3.74 indicates a rather cheap valuation of EFSCP.
97.67% of the companies in the same industry are more expensive than EFSCP, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.15. EFSCP is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 3.43, 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 97.67% of the companies are valued more expensively.
EFSCP is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.12, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.74 | ||
| Fwd PE | 3.43 |
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 95.09% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.7 | ||
| EV/EBITDA | N/A |
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)0.38
PEG (5Y)0.77
EPS Next 2Y7.39%
EPS Next 3Y6.38%
5. Dividend
5.1 Amount
EFSCP has a Yearly Dividend Yield of 2.43%.
EFSCP's Dividend Yield is slightly below the industry average, which is at 3.33.
EFSCP's Dividend Yield is comparable with the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.43% |
5.2 History
On average, the dividend of EFSCP grows each year by 11.88%, which is quite nice.
EFSCP has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)11.88%
Div Incr Years0
Div Non Decr Years1
5.3 Sustainability
24.55% 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.
DP24.55%
EPS Next 2Y7.39%
EPS Next 3Y6.38%
ENTERPRISE FINANCIAL SER - EFSC 5 PERP
NASDAQ:EFSCP (11/28/2025, 1:30:02 PM)
19.2
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners82.8%
Inst Owner ChangeN/A
Ins Owners1.62%
Ins Owner ChangeN/A
Market Cap710.21M
Revenue(TTM)713.28M
Net Income(TTM)191.77M
Analysts80
Price Target24.78 (29.06%)
Short Float %0.03%
Short Ratio4.67
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.43% |
Yearly Dividend1.16
Dividend Growth(5Y)11.88%
DP24.55%
Div Incr Years0
Div Non Decr Years1
Ex-Date
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)4.59%
PT rev (3m)0.68%
EPS NQ rev (1m)-3.04%
EPS NQ rev (3m)-0.36%
EPS NY rev (1m)-2.55%
EPS NY rev (3m)-0.5%
Revenue NQ rev (1m)0.99%
Revenue NQ rev (3m)0.91%
Revenue NY rev (1m)1.74%
Revenue NY rev (3m)1.72%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.74 | ||
| Fwd PE | 3.43 | ||
| P/S | 1 | ||
| P/FCF | 3.7 | ||
| P/OCF | 3.5 | ||
| P/B | 0.36 | ||
| P/tB | 0.44 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.14
EY26.77%
EPS(NY)5.6
Fwd EY29.19%
FCF(TTM)5.19
FCFY27.01%
OCF(TTM)5.48
OCFY28.54%
SpS19.28
BVpS53.59
TBVpS43.55
PEG (NY)0.38
PEG (5Y)0.77
Graham Number78.73
Profitability
| Industry Rank | Sector 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)1.33%
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-Score6
Asset Turnover0.04
Health
| Industry Rank | Sector 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-Score6
WACC25.08%
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)11.98%
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-10.86%
FCF growth 3Y14.92%
FCF growth 5Y22.72%
OCF growth 1Y-7.03%
OCF growth 3Y15.49%
OCF growth 5Y21.75%
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 4 / 10 to EFSCP.
What is the valuation status of ENTERPRISE FINANCIAL SER - EFSC 5 PERP (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 PE and PB ratios for EFSCP stock?
The Price/Earnings (PE) ratio for ENTERPRISE FINANCIAL SER - EFSC 5 PERP (EFSCP) is 3.74 and the Price/Book (PB) ratio is 0.36.
Can you provide the financial health for EFSCP stock?
The financial health rating of ENTERPRISE FINANCIAL SER - EFSC 5 PERP (EFSCP) is 3 / 10.