EFSC Fundamental Analysis - ENTERPRISE FINANCIAL SERVICE

Fundamental Rating

Overall EFSC gets a fundamental rating of 4 out of 10. We evaluated EFSC against 393 industry peers in the Banks industry. EFSC has a medium profitability rating, but doesn't score so well on its financial health evaluation. EFSC has a correct valuation and a medium growth rate.

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1. Profitability

1.1 Basic Checks

EFSC had positive earnings in the past year.

EFSC had a positive operating cash flow in the past year.

In the past 5 years EFSC has always been profitable.

In the past 5 years EFSC always reported a positive cash flow from operatings.

1.2 Ratios

EFSC's Return On Assets of 1.23% is amongst the best of the industry. EFSC outperforms 80.92% of its industry peers.

The Return On Equity of EFSC (10.25%) is better than 69.47% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.23%
ROE	10.25%
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

The Profit Margin of EFSC (29.35%) is better than 79.64% of its industry peers.

EFSC's Profit Margin has declined in the last couple of years.

The Operating Margin and Gross Margin are not available for EFSC so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	29.35%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

EFSC does not have a ROIC to compare to the WACC, probably because it is not profitable.

EFSC has less shares outstanding than it did 1 year ago.

EFSC has more shares outstanding than it did 5 years ago.

Compared to 1 year ago, EFSC has an improved debt to assets ratio.

2.2 Solvency

EFSC has a debt to FCF ratio of 1.58. This is a very positive value and a sign of high solvency as it would only need 1.58 years to pay back of all of its debts.

EFSC's Debt to FCF ratio of 1.58 is in line compared to the rest of the industry. EFSC outperforms 58.52% of its industry peers.

EFSC has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.

EFSC has a Debt to Equity ratio (0.19) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0.19
Debt/FCF	1.58
Altman-Z	N/A

ROIC/WACCN/A

WACC15.84%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 13.58% over the past year.

EFSC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.88% yearly.

The Revenue has been growing slightly by 7.26% in the past year.

EFSC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 17.24% yearly.

EPS 1Y (TTM)13.58%

EPS 3Y7.61%

EPS 5Y4.88%

EPS Q2Q%14.29%

Revenue 1Y (TTM)7.26%

Revenue growth 3Y14.23%

Revenue growth 5Y17.24%

Sales Q2Q%11.12%

3.2 Future

Based on estimates for the next years, EFSC will show a small growth in Earnings Per Share. The EPS will grow by 5.17% on average per year.

The Revenue is expected to grow by 5.67% on average over the next years.

EPS Next Y10.28%

EPS Next 2Y6.34%

EPS Next 3Y5.17%

EPS Next 5YN/A

Revenue Next Year11.25%

Revenue Next 2Y7.88%

Revenue Next 3Y5.67%

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is stable: in the next years the growth will be about the same 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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 11.48 indicates a reasonable valuation of EFSC.

EFSC's Price/Earnings ratio is a bit cheaper when compared to the industry. EFSC is cheaper than 67.18% of the companies in the same industry.

When comparing the Price/Earnings ratio of EFSC to the average of the S&P500 Index (27.24), we can say EFSC is valued rather cheaply.

The Price/Forward Earnings ratio is 11.01, which indicates a very decent valuation of EFSC.

EFSC's Price/Forward Earnings is on the same level as the industry average.

Compared to an average S&P500 Price/Forward Earnings ratio of 35.82, EFSC is valued rather cheaply.

		Industry Rank	Sector Rank
PE	11.48
Fwd PE	11.01

4.2 Price Multiples

EFSC's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. EFSC is cheaper than 71.25% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	9.61
EV/EBITDA	N/A

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

PEG (NY)1.12

PEG (5Y)2.35

EPS Next 2Y6.34%

EPS Next 3Y5.17%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.16%, EFSC has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 3.34, EFSC is paying slightly less dividend.

Compared to an average S&P500 Dividend Yield of 2.32, EFSC has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.16%

5.2 History

The dividend of EFSC is nicely growing with an annual growth rate of 11.88%!

EFSC has paid a dividend for at least 10 years, which is a reliable track record.

EFSC has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.

Dividend Growth(5Y)11.88%

Div Incr Years10

Div Non Decr Years19

5.3 Sustainability

EFSC pays out 23.34% of its income as dividend. This is a sustainable payout ratio.

The dividend of EFSC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP23.34%

EPS Next 2Y6.34%

EPS Next 3Y5.17%

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ENTERPRISE FINANCIAL SERVICE

NASDAQ:EFSC (8/22/2025, 8:04:30 PM)

After market: 60.505 0 (0%)

60.505

+3.01 (+5.23%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-28 2025-07-28/amc

Earnings (Next)10-20 2025-10-20/amc

Inst Owners83.68%

Inst Owner Change-1.81%

Ins Owners1.58%

Ins Owner Change-1.71%

Market Cap2.24B

Analysts82

Price Target68.34 (12.95%)

Short Float %1.75%

Short Ratio3.51

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.16%

Yearly Dividend1.16

Dividend Growth(5Y)11.88%

DP23.34%

Div Incr Years10

Div Non Decr Years19

Ex-Date09-15 2025-09-15 (0.31)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)10.01%

Min EPS beat(2)9.68%

Max EPS beat(2)10.35%

EPS beat(4)4

Avg EPS beat(4)10.12%

Min EPS beat(4)6.73%

Max EPS beat(4)13.72%

EPS beat(8)5

Avg EPS beat(8)4.63%

EPS beat(12)8

Avg EPS beat(12)4.88%

EPS beat(16)11

Avg EPS beat(16)1.13%

Revenue beat(2)1

Avg Revenue beat(2)1.17%

Min Revenue beat(2)-0.05%

Max Revenue beat(2)2.4%

Revenue beat(4)3

Avg Revenue beat(4)1.57%

Min Revenue beat(4)-0.05%

Max Revenue beat(4)2.4%

Revenue beat(8)4

Avg Revenue beat(8)-0.09%

Revenue beat(12)5

Avg Revenue beat(12)0.19%

Revenue beat(16)6

Avg Revenue beat(16)-0.09%

PT rev (1m)3.08%

PT rev (3m)5.1%

EPS NQ rev (1m)1.18%

EPS NQ rev (3m)3.07%

EPS NY rev (1m)2.49%

EPS NY rev (3m)2.12%

Revenue NQ rev (1m)4.67%

Revenue NQ rev (3m)7.15%

Revenue NY rev (1m)3.7%

Revenue NY rev (3m)3.71%

Valuation

		Industry Rank	Sector Rank
PE	11.48
Fwd PE	11.01
P/S	3.33
P/FCF	9.61
P/OCF	9.24
P/B	1.16
P/tB	1.44
EV/EBITDA	N/A

EPS(TTM)5.27

EY8.71%

EPS(NY)5.5

Fwd EY9.08%

FCF(TTM)6.3

FCFY10.4%

OCF(TTM)6.55

OCFY10.83%

SpS18.15

BVpS51.98

TBVpS41.93

PEG (NY)1.12

PEG (5Y)2.35

Profitability

		Industry Rank	Sector Rank
ROA	1.23%
ROE	10.25%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	29.35%
GM	N/A
FCFM	34.69%

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

ROICexcg growth 3YN/A

ROICexcg 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-Score7

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.19
Debt/FCF	1.58
Debt/EBITDA	N/A
Cap/Depr	103.9%
Cap/Sales	1.41%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	118.19%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

WACC15.84%

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)13.58%

EPS 3Y7.61%

EPS 5Y4.88%

EPS Q2Q%14.29%

EPS Next Y10.28%

EPS Next 2Y6.34%

EPS Next 3Y5.17%

EPS Next 5YN/A

Revenue 1Y (TTM)7.26%

Revenue growth 3Y14.23%

Revenue growth 5Y17.24%

Sales Q2Q%11.12%

Revenue Next Year11.25%

Revenue Next 2Y7.88%

Revenue Next 3Y5.67%

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-2.65%

FCF growth 3Y14.92%

FCF growth 5Y22.72%

OCF growth 1Y0.25%

OCF growth 3Y15.49%

OCF growth 5Y21.75%

ENTERPRISE FINANCIAL SERVICE (EFSC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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