ENTERPRISE FINANCIAL SERVICE (EFSC) Stock Fundamental Analysis
NASDAQ:EFSC - Nasdaq - US2937121059 - Common Stock - Currency: USD
Taking everything into account, EFSC scores 4 out of 10 in our fundamental rating. EFSC was compared to 405 industry peers in the Banks industry. EFSC has a bad profitability rating. Also its financial health evaluation is rather negative. EFSC is not valued too expensively and it also shows a decent growth rate.
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.
EFSC had positive earnings in each of the past 5 years.
EFSC had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
The Return On Assets of EFSC (1.19%) is better than 78.70% of its industry peers.
Looking at the Return On Equity, with a value of 9.67%, EFSC is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.19% | ||
| 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
EFSC's Profit Margin of 27.82% is fine compared to the rest of the industry. EFSC outperforms 77.69% of its industry peers.
EFSC's Profit Margin has declined in the last couple of years.
EFSC 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) | 27.82% | ||
| 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
EFSC does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for EFSC has been reduced compared to 1 year ago.
The number of shares outstanding for EFSC has been increased compared to 5 years ago.
Compared to 1 year ago, EFSC has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of EFSC is 1.24, which is an excellent value as it means it would take EFSC, only 1.24 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of EFSC (1.24) is better than 72.93% of its industry peers.
A Debt/Equity ratio of 0.18 indicates that EFSC is not too dependend on debt financing.
The Debt to Equity ratio of EFSC (0.18) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.24 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.99%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for EFSC have decreased by -5.26% in the last 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 1.03% 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)-5.26%
EPS 3Y7.61%
EPS 5Y4.88%
EPS Q2Q%5.79%
Revenue 1Y (TTM)1.03%
Revenue growth 3Y14.23%
Revenue growth 5Y17.24%
Sales Q2Q%0.49%
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 4.56% on average per year.
EFSC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.18% yearly.
EPS Next Y3.05%
EPS Next 2Y4.56%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.23%
Revenue Next 2Y3.18%
Revenue Next 3YN/A
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 stable.
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 12.19 indicates a correct valuation of EFSC.
EFSC's Price/Earnings ratio is in line with the industry average.
EFSC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 29.63.
Based on the Price/Forward Earnings ratio of 11.83, the valuation of EFSC can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of EFSC is on the same level as its industry peers.
EFSC is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.68, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.19 | ||
| Fwd PE | 11.83 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of EFSC indicates a rather cheap valuation: EFSC is cheaper than 81.70% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.29 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)4
PEG (5Y)2.5
EPS Next 2Y4.56%
EPS Next 3YN/A
5. Dividend
5.1 Amount
EFSC has a Yearly Dividend Yield of 1.91%. Purely for dividend investing, there may be better candidates out there.
EFSC's Dividend Yield is slightly below the industry average, which is at 3.18.
Compared to an average S&P500 Dividend Yield of 2.27, EFSC has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.91% |
5.2 History
The dividend of EFSC is nicely growing with an annual growth rate of 19.32%!
EFSC has been paying a dividend for at least 10 years, so it has a reliable track record.
EFSC has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)19.32%
Div Incr Years10
Div Non Decr Years19
5.3 Sustainability
23.87% of the earnings are spent on dividend by EFSC. This is a low number and sustainable payout ratio.
EFSC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP23.87%
EPS Next 2Y4.56%
EPS Next 3YN/A
59.25
-1.36 (-2.24%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners80.21%
Inst Owner Change138.22%
Ins Owners2.5%
Ins Owner Change4.8%
Market Cap2.19B
Analysts81.82
Price Target70.13 (18.36%)
Short Float %1.14%
Short Ratio2.72
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.91% |
Yearly Dividend1.14
Dividend Growth(5Y)19.32%
DP23.87%
Div Incr Years10
Div Non Decr Years19
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.96%
Min EPS beat(2)10.21%
Max EPS beat(2)13.72%
EPS beat(4)2
Avg EPS beat(4)4.41%
Min EPS beat(4)-5.85%
Max EPS beat(4)13.72%
EPS beat(8)4
Avg EPS beat(8)3.44%
EPS beat(12)8
Avg EPS beat(12)4.52%
EPS beat(16)11
Avg EPS beat(16)3.08%
Revenue beat(2)1
Avg Revenue beat(2)0.51%
Min Revenue beat(2)-0.99%
Max Revenue beat(2)2.01%
Revenue beat(4)2
Avg Revenue beat(4)-0.52%
Min Revenue beat(4)-6.6%
Max Revenue beat(4)3.52%
Revenue beat(8)3
Avg Revenue beat(8)-0.16%
Revenue beat(12)4
Avg Revenue beat(12)-0.29%
Revenue beat(16)6
Avg Revenue beat(16)0.16%
PT rev (1m)7%
PT rev (3m)13.17%
EPS NQ rev (1m)-0.02%
EPS NQ rev (3m)-0.02%
EPS NY rev (1m)8.13%
EPS NY rev (3m)8.13%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)4.07%
Revenue NY rev (3m)4.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.19 | ||
| Fwd PE | 11.83 | ||
| P/S | 3.44 | ||
| P/FCF | 8.29 | ||
| P/OCF | 7.99 | ||
| P/B | 1.2 | ||
| P/tB | 1.5 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.86
EY8.2%
EPS(NY)5.01
Fwd EY8.45%
FCF(TTM)7.15
FCFY12.06%
OCF(TTM)7.42
OCFY12.52%
SpS17.22
BVpS49.53
TBVpS39.4
PEG (NY)4
PEG (5Y)2.5
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.19% | ||
| ROE | 9.67% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 27.82% | ||
| GM | N/A | ||
| FCFM | 41.51% |
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-Score6
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.24 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 107.98% | ||
| Cap/Sales | 1.56% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 149.21% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC12.99%
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)-5.26%
EPS 3Y7.61%
EPS 5Y4.88%
EPS Q2Q%5.79%
EPS Next Y3.05%
EPS Next 2Y4.56%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)1.03%
Revenue growth 3Y14.23%
Revenue growth 5Y17.24%
Sales Q2Q%0.49%
Revenue Next Year4.23%
Revenue Next 2Y3.18%
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 1Y22.87%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y25.85%
OCF growth 3YN/A
OCF growth 5YN/A