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

NASDAQ:EFSCP • US2937123030

Current stock price

19.87 USD
+0.08 (+0.4%)
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

  • EFSCP had positive earnings in the past year.
  • EFSCP had a positive operating cash flow in the past year.
  • In the past 5 years EFSCP has always 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

  • With a decent Return On Assets value of 1.14%, EFSCP is doing good in the industry, outperforming 67.02% of the companies in the same industry.
  • EFSCP has a Return On Equity (9.69%) which is in line with its industry peers.
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

  • With a Profit Margin value of 26.71%, EFSCP perfoms like the industry average, outperforming 58.78% of the companies in the same industry.
  • 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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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.
  • Compared to 1 year ago, EFSCP has about the same amount of shares outstanding.
  • Compared to 5 years ago, EFSCP has more shares outstanding
  • 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

  • The Debt to FCF ratio of EFSCP is 2.65, which is a good value as it means it would take EFSCP, 2.65 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of EFSCP (2.65) is comparable to the rest of the industry.
  • EFSCP has a Debt/Equity ratio of 0.24. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of EFSCP (0.24) is worse than 62.23% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 2.65
Altman-Z N/A
ROIC/WACCN/A
WACC22.08%
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

4

3. EFSCP Growth Analysis

3.1 Past

  • EFSCP shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 4.12%.
  • EFSCP shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.01% yearly.
  • EFSCP shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 16.00%.
  • Measured over the past years, EFSCP shows a quite strong growth in Revenue. The Revenue has been growing by 17.92% on average per year.
EPS 1Y (TTM)4.12%
EPS 3Y-0.06%
EPS 5Y9.01%
EPS Q2Q%0%
Revenue 1Y (TTM)16%
Revenue growth 3Y11.54%
Revenue growth 5Y17.92%
Sales Q2Q%11.59%

3.2 Future

  • EFSCP is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.90% yearly.
  • The Revenue is expected to grow by 4.61% on average over the next years.
EPS Next Y5.65%
EPS Next 2Y5.9%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.46%
Revenue Next 2Y4.61%
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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
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

  • A Price/Earnings ratio of 3.74 indicates a rather cheap valuation of EFSCP.
  • EFSCP's Price/Earnings ratio is rather cheap when compared to the industry. EFSCP is cheaper than 97.61% of the companies in the same industry.
  • EFSCP is valuated cheaply when we compare the Price/Earnings ratio to 27.42, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 3.34, the valuation of EFSCP can be described as very cheap.
  • EFSCP's Price/Forward Earnings ratio is rather cheap when compared to the industry. EFSCP is cheaper than 97.34% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 22.24. EFSCP is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 3.74
Fwd PE 3.34
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

  • EFSCP's Price/Free Cash Flow ratio is rather cheap when compared to the industry. EFSCP is cheaper than 95.48% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.03
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)0.66
PEG (5Y)0.42
EPS Next 2Y5.9%
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

  • With a Yearly Dividend Yield of 2.29%, EFSCP has a reasonable but not impressive dividend return.
  • EFSCP's Dividend Yield is comparable with the industry average which is at 2.56.
  • Compared to an average S&P500 Dividend Yield of 1.81, EFSCP pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.29%

5.2 History

  • On average, the dividend of EFSCP grows each year by 14.11%, which is quite nice.
  • EFSCP has been paying a dividend for over 5 years, so it has already some track record.
  • EFSCP has decreased its dividend in the last 3 years.
Dividend Growth(5Y)14.11%
Div Incr Years0
Div Non Decr Years2
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.
  • EFSCP's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP24.72%
EPS Next 2Y5.9%
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 (4/24/2026, 8:00:01 PM)

19.87

+0.08 (+0.4%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-22
Earnings (Next)07-27
Inst Owners83.44%
Inst Owner ChangeN/A
Ins Owners1.78%
Ins Owner ChangeN/A
Market Cap732.01M
Revenue(TTM)739.86M
Net Income(TTM)197.62M
Analysts78.18
Price Target22.84 (14.95%)
Short Float %0.07%
Short Ratio12.32
Dividend
Industry RankSector Rank
Dividend Yield 2.29%
Yearly Dividend1.32
Dividend Growth(5Y)14.11%
DP24.72%
Div Incr Years0
Div Non Decr Years2
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)-4.53%
PT rev (3m)-8.51%
EPS NQ rev (1m)0.1%
EPS NQ rev (3m)1.34%
EPS NY rev (1m)-0.61%
EPS NY rev (3m)-0.01%
Revenue NQ rev (1m)-0.56%
Revenue NQ rev (3m)-0.02%
Revenue NY rev (1m)-0.6%
Revenue NY rev (3m)0.3%
Valuation
Industry RankSector Rank
PE 3.74
Fwd PE 3.34
P/S 0.99
P/FCF 4.03
P/OCF 3.78
P/B 0.36
P/tB 0.46
EV/EBITDA N/A
EPS(TTM)5.31
EY26.72%
EPS(NY)5.95
Fwd EY29.97%
FCF(TTM)4.93
FCFY24.8%
OCF(TTM)5.25
OCFY26.44%
SpS20.08
BVpS55.36
TBVpS43.46
PEG (NY)0.66
PEG (5Y)0.42
Graham Number81.3258 (309.29%)
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
WACC22.08%
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)4.12%
EPS 3Y-0.06%
EPS 5Y9.01%
EPS Q2Q%0%
EPS Next Y5.65%
EPS Next 2Y5.9%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)16%
Revenue growth 3Y11.54%
Revenue growth 5Y17.92%
Sales Q2Q%11.59%
Revenue Next Year5.46%
Revenue Next 2Y4.61%
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.


Can you provide the valuation status for ENTERPRISE FINANCIAL SER - EFSC 5 PERP?

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


Can you provide the profitability details for ENTERPRISE FINANCIAL SER - EFSC 5 PERP?

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


What is the financial health of ENTERPRISE FINANCIAL SER - EFSC 5 PERP (EFSCP) stock?

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


What is the earnings growth outlook for ENTERPRISE FINANCIAL SER - EFSC 5 PERP?

The Earnings per Share (EPS) of ENTERPRISE FINANCIAL SER - EFSC 5 PERP (EFSCP) is expected to grow by 5.65% in the next year.