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EFSC stock logo

EFSC

Enterprise Financial Services Corp

$54.72
0.04
 (0.07%)
Exchange:  NASDAQ
Market Cap:  2.025B
Shares Outstanding:  1.731M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  James Brian Lally
Full Time Employees:  1218
Address: 
150 North Meramec Avenue
Clayton
MO
63105
US
Website:  https://www.enterprisebank.com
Enterprise Financial Services Corp operates as the financial holding company for Enterprise Bank & Trust that offers banking and wealth management services to individuals and corporate customers. The company offers checking, savings, and money market accounts, and certificates of deposit. It also provides commercial and industrial, commercial real estate, construction and land development, residential real estate, agricultural, and consumer loans. In addition, the company offers treasury management and international trade services; tax credit brokerage services consisting of the acquisition of tax credits and sale of these tax credits to clients; and financial and estate planning, investment management, and trust services to businesses, individuals, institutions, retirement plans, and non-profit organizations. Further, it offers fiduciary, financial advisory, and merchant processing services; and debit and credit cards. Additionally, the company provides international banking, insurance, internet and mobile banking, remote deposit capture, positive pay, fraud detection and prevention, automated payable, check imaging, and statement and document imaging services; and cash management products, controlled disbursements, repurchase agreements, and sweep investment accounts. It operates banking locations and administrative offices in Arizona, California, Kansas, Missouri, Nevada, and New Mexico market areas, as well as a network of SBA loan production offices and deposit production offices in various states. Enterprise Financial Services Corp was founded in 1988 and is headquartered in Clayton, Missouri.

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Revenue Segmentation

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EPS

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/01/27 — 4 quarter 2025

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue743,516814,406912,386
Gross Profit504,584509,943624,377
EBITDA257,865241,318291,479
Operating Income246,526231,244283,717
Net Income194,059185,266201,374

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets14,518,59015,596,43117,300,884
Total Liabilities12,802,52213,772,42915,261,498
Total Stockholders Equity1,716,0681,824,0022,039,386
Total Debt453,813437,3720
Cash and Cash Equivalents434,005760,345208,080

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow268,238247,40087,759
Capital Expenditure-6,556-7,4750
Free Cash Flow261,682239,92587,759
Net Income194,059185,266201,374
Net Change in Cash141,670331,14121,403

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)799,348.519Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)806,178.814Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)802,763.667Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)305,122.530Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)307,729.749Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)306,426.140Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)214,620.621Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)223,871.526Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)217,978.250Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)199,859.873Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)201,567.641Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)200,713.757Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)5.880Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)6Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)5.760Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)2Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)3Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
920.754M  ?P/S
 (TTM)
: 
2.37
?Net Income
 (TTM)
: 
185.266M  ?P/E
 (TTM)
: 
10.77
?Enterprise Value
 (TTM)
: 
2.462B  ?EV/FCF
 (TTM)
: 
13.56
?Dividend Yield
 (TTM)
: 
0.02  ?Payout Ratio
 (TTM)
: 
0.24
?ROE
 (TTM)
: 
0.1  ?ROIC
 (TTM)
: 
0.01
?Net Debt
 (TTM)
: 
192.547M  ?Debt/Equity
 (TTM)
: 
0.25
?P/B
 (TTM)
: 
1.06  ?Current Ratio
 (TTM)
: 
27.2

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
9.93Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates EFSC intrinsic value between $68.07 – $94.18 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate EFSC Intrinsic Value

Common questions about EFSC valuation

Is Enterprise Financial Services Corp (EFSC) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Enterprise Financial Services Corp (EFSC) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is EFSC a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether EFSC trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is EFSC’s P/E ratio?

You can see EFSC’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for EFSC?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is EFSC a good long-term investment?

Whether EFSC fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

EFSC

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

0.07
MARKETSnap

Trading Metrics:

Open: 53.98   Previous Close: 54.68
Day Low: 53.74   Day High: 54.83
Year Low: 45.22   Year High: 62.3
Price Avg 50: 56.61   Price Avg 200: 56.36
Volume: 263737   Average Volume: 250673

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See in Nexus

Relevant news

Are You Looking for a High-Growth Dividend Stock?
16-02-2026 12:45
Are You Looking for a High-Growth Dividend Stock?
Why Enterprise Financial Services (EFSC) is a Great Dividend Stock Right Now
29-01-2026 12:45
Why Enterprise Financial Services (EFSC) is a Great Dividend Stock Right Now
Enterprise Financial Services (EFSC) Could Be a Great Choice
04-03-2026 12:45
Enterprise Financial Services (EFSC) Could Be a Great Choice
Compared to Estimates, Enterprise Financial Services (EFSC) Q4 Earnings: A Look at Key Metrics
26-01-2026 19:30
Compared to Estimates, Enterprise Financial Services (EFSC) Q4 Earnings: A Look at Key Metrics
Enterprise Financial Services (EFSC) Q4 Earnings Miss Estimates

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