Enterprise Financial Services (EFSC) AI Stock Analysis

• Market Cap: $2.18B
• Dividend Yield: 2.01%
• Average Volume (3M): 160.90K
• Price to Earnings (P/E): 11.2
• Beta (1Y): 0.75
• Revenue Growth: 5.66%
• EPS Growth: 16.11%
• Country: US
• Employees: 1,218
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.36
• Shares Outstanding: 36,987,915
• 10 Day Avg. Volume: 200,572
• 30 Day Avg. Volume: 160,902
• PEG Ratio: -2.52
• Price to Book (P/B): 1.15
• Price to Sales (P/S): 2.59
• P/FCF Ratio: 8.78
• Enterprise Value/Market Cap: 1.16
• Enterprise Value/Revenue: 3.07
• Enterprise Value/Gross Profit: 4.75
• Enterprise Value/Ebitda: 19.35
• 1Y Price Target: $67.33
• Price Target Upside: 14.86% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 4

• Rating: 77 Outperform
• Price Target: $69.00 ▲(17.71% Upside)

Enterprise Financial Services Corp. demonstrates strong financial performance and valuation metrics, supported by positive earnings call insights. Technical indicators suggest bullish momentum, though caution is warranted due to overbought signals. The company's strategic initiatives and board expansion further enhance its growth prospects.

Enterprise Financial Services Business Overview & Revenue Model

Company Description

Enterprise Financial Services Corporation (EFSC) is a leading financial institution that specializes in providing a wide range of banking and financial services to businesses and individuals. Operating primarily in the commercial banking sector, EFSC offers products such as loans, treasury management, investment services, and personal banking solutions. The company is committed to delivering tailored financial solutions that meet the diverse needs of its clients, leveraging technology and customer service to enhance the banking experience.

How the Company Makes Money

EFSC generates revenue primarily through interest income on loans and advances made to clients, which constitutes a significant portion of its earnings. The company charges interest on various loan products, including commercial loans, real estate loans, and personal loans. Additionally, EFSC earns revenue from fees associated with its treasury management services, investment advisory services, and transaction processing fees. The bank also has strategic partnerships with fintech companies, allowing it to enhance its service offerings and reach a broader customer base. These collaborations contribute to additional revenue streams through technology-driven financial products and services. Moreover, EFSC invests in securities, earning interest and capital gains, which further supports its overall revenue generation.

Enterprise Financial Services Financial Statement Overview

Summary

Enterprise Financial Services shows strong revenue growth and profitability, supported by a solid balance sheet with low leverage. However, cash flow metrics indicate some challenges, such as a low operating cash flow to net income ratio and negative free cash flow growth.

Income Statement

Enterprise Financial Services has demonstrated strong revenue growth with a TTM growth rate of 99.4%, indicating robust expansion. The gross profit margin of 64.6% and net profit margin of 24.4% reflect solid profitability. However, the EBIT and EBITDA margins have decreased compared to previous years, suggesting potential cost pressures.

Balance Sheet

The company's debt-to-equity ratio of 0.34 indicates a conservative leverage position, enhancing financial stability. Return on equity is healthy at 10.8%, showcasing efficient use of equity. The equity ratio of 11.96% suggests a strong equity base relative to total assets, although slightly lower than industry norms.

Cash Flow

Operating cash flow to net income ratio is low at 0.018, indicating potential challenges in converting income to cash. Free cash flow growth is negative at -6.3%, which could impact future investments. However, the free cash flow to net income ratio remains high at 96.2%, reflecting strong cash generation relative to net income.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	824.47M	814.41M	743.52M	533.66M	421.60M	347.26M
Gross Profit	532.57M	509.94M	504.58M	493.09M	385.18M	247.08M
EBITDA	130.70M	241.32M	257.87M	273.47M	182.78M	103.81M
Net Income	200.76M	185.27M	194.06M	203.04M	133.06M	74.38M
Balance Sheet
Total Assets	16.08B	15.60B	14.52B	13.05B	13.54B	9.75B
Cash, Cash Equivalents and Short-Term Investments	2.01B	875.37M	2.05B	1.83B	3.39B	1.46B
Total Debt	661.44M	437.37M	453.81M	579.55M	558.76M	554.72M
Total Liabilities	14.15B	13.77B	12.80B	11.53B	12.01B	8.67B
Stockholders Equity	1.92B	1.82B	1.72B	1.52B	1.53B	1.08B
Cash Flow
Free Cash Flow	232.86M	239.93M	261.68M	214.71M	158.07M	133.25M
Operating Cash Flow	241.99M	247.40M	268.24M	216.64M	160.57M	135.51M
Investing Cash Flow	-1.35B	-796.87M	-1.31B	-1.38B	-23.11M	-702.83M
Financing Cash Flow	1.21B	880.61M	1.18B	-563.19M	1.35B	937.76M

Enterprise Financial Services Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 58.62
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For EFSC, the sentiment is Positive. The current price of 58.62 is below the 20-day moving average (MA) of 60.21, above the 50-day MA of 58.10, and above the 200-day MA of 55.51, indicating a neutral trend. The MACD of 0.27 indicates Positive momentum. The RSI at 45.12 is Neutral, neither overbought nor oversold. The STOCH value of 12.68 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for EFSC.

Enterprise Financial Services Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
EFSC	77 Outperform	$2.18B	11.17	10.92%	2.01%	5.66%	16.11%
BANR	76 Outperform	2.26B	12.48	9.76%	2.94%	8.40%	9.46%
FBNC	75 Outperform	2.21B	22.70	6.25%	1.68%	-2.04%	-14.82%
BUSE	74 Outperform	2.15B	21.55	3.21%	4.13%	26.75%	-42.01%
NBTB	74 Outperform	2.24B	15.40	7.39%	3.27%	10.00%	7.35%
SYBT	60 Neutral	2.10B	16.34	12.76%	1.76%	13.28%	22.43%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Enterprise Financial Services Corporate Events

Enterprise Financial Services Announces Regulation FD Disclosure

Enterprise Financial Services Corp has demonstrated consistent growth and performance improvements through strategic acquisitions and a diversified business model. The company has expanded its deposit base and footprint through four acquisitions and tackled challenges such as the COVID-19 pandemic and bank liquidity crises. With a focus on process excellence, technology investments, and risk management, EFSC aims to enhance client experiences and maintain top quartile performance in net interest margin.

Enterprise Financial Services Appoints New Board Member

On August 12, 2025, Enterprise Financial Services Corp announced the appointment of Lars C. Anderson to its Board of Directors, expanding the board from eleven to twelve members. Anderson, who brings 38 years of industry experience, including senior executive roles at Fifth Third Bancorp and Comerica Bank, will also serve on the Audit Committee and Human Capital and Compensation Committee. His appointment is expected to enhance the board’s strategic planning and value creation capabilities for stockholders.