Enterprise Financial Services AI Stock Analysis
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Enterprise Financial Services (EFSC) AI Stock Analysis
Enterprise Financial Services
(NASDAQ:EFSC)
EFSC’s score is held back primarily by weakening cash flow and margin compression despite strong revenue growth and a solid balance sheet. The earnings call supports the outlook with improving margin expectations and continued growth, but elevated credit costs and asset quality pressures remain key risks. Valuation and dividends are supportive, while technicals are moderately constructive rather than decisively strong.
Enterprise Financial Services Key Performance Indicators (KPIs)
Wealth Management Trust Assets Under ManagementIndicates the total value of assets managed in trust accounts, reflecting the company's strength in wealth management and its ability to attract and retain high-net-worth clients.
A clear inflection appears: after a modest pullback in early‑2025, AUM resumed steady, accelerating gains through mid‑2026 — implying renewed net inflows and/or market appreciation that should boost fee revenue and cross‑sell potential. The rebound reduces short‑term downside risk from that trough, but earnings remain AUM‑sensitive; differentiate durable organic growth from one‑off market or acquisition-driven increases by watching client net flows and retention in upcoming quarters.
Enterprise Financial Services (EFSC) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $2.23B
- Dividend Yield
- 2.14%
- Average Volume (3M)
- 241.83K
- Price to Earnings (P/E)
- 12.5
- Beta (1Y)
- 0.58
- Revenue Growth
- 2.12%
- EPS Growth
- -3.12%
- Country
- US
- Employees
- 1,370
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
Enterprise Financial Services Business Overview & Revenue Model
Company Description
Enterprise Financial Services Corp (EFSC) serves as the parent financial holding company for Enterprise Bank & Trust. Through this subsidiary, it delivers a comprehensive array of banking and wealth management solutions to both individual and corpora...
How the Company Makes Money
EFSC primarily makes money through its banking subsidiary by earning net interest income and generating noninterest (fee-based) income. Net interest income is the largest core revenue stream for most commercial banks and is produced by (1) interest a...
Enterprise Financial Services Earnings Call Summary
The call was positive overall, with strong and diversified loan and deposit growth, improving net interest income, stable-to-improving margins, disciplined expenses, capital returns, and confidence in 2027 profitability. These strengths were tempered by elevated credit costs, higher non-performing and criticized assets, delayed California OREO resolution, volatile tax credit income, and competitive spread pressure. Management expressed confidence that credit metrics and earnings will improve over the next few quarters.
Q3-2026 Updates
Positive Updates
Negative Updates
Company Guidance
Management expects mid to high single-digit loan growth for the remainder of 2026, normalizing back to the mid-single-digit growth for the first part of 2027; it also expects quarterly loan growth of $200 million-$250 million, with 5%-6% growth requiring approximately $900 million-$1 billion net. Credit normalization is expected over the next few quarters, with criticized classified levels moving from about 6.3% toward 4.5%-5% and non-performing assets returning to closer to 45-50 basis points; certain credits may exit in the fourth quarter, while Laguna portfolio monetization is realistically expected in Q1 of next year. Net charge-offs around 25 basis points would feel like a victory in the short-term, and provision on new growth is expected at 100 basis points-115 basis points. Margin is expected to move a couple basis points higher in the fourth quarter, with a mid-4.30s margin entering 4Q and upward buoyancy over the next several quarters; each quarter point change in rates affects net interest income $1 million-$2 million per quarter, and deposit betas are modeled at 55%. Fourth-quarter expenses excluding deposit costs are expected to be relatively level to 3Q, while the deposit ECR line item is expected to move up $1.5 million to $2 million sequentially; the state tax credit business may be changed over the next quarter or two, the tax rate is expected to remain roughly 22%, and the efficiency ratio is expected to remain below 60%.
Enterprise Financial Services Financial Statement Overview
Summary
Strong revenue growth and a conservatively levered balance sheet are positives, but margin compression and a sharp TTM drop in operating/free cash flow materially weaken confidence in earnings quality. ROE has also drifted lower versus 2022–2023 levels.
Income Statement
78PositiveBalance Sheet
74PositiveCash Flow
39Negative| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 996.10M | 912.39M | 814.41M | 743.52M | 533.66M | 421.60M |
| Gross Profit | 700.04M | 624.38M | 509.94M | 504.58M | 493.09M | 385.18M |
| EBITDA | 250.96M | 295.15M | 241.32M | 257.87M | 273.47M | 182.78M |
| Net Income | 187.53M | 201.37M | 185.27M | 194.06M | 203.04M | 133.06M |
Balance Sheet | ||||||
| Total Assets | 17.79B | 17.30B | 15.60B | 14.52B | 13.05B | 13.54B |
| Cash, Cash Equivalents and Short-Term Investments | 4.37B | 213.87M | 875.37M | 2.05B | 1.83B | 3.39B |
| Total Debt | 501.94M | 508.55M | 437.37M | 453.81M | 579.55M | 558.76M |
| Total Liabilities | 15.88B | 15.26B | 13.77B | 12.80B | 11.53B | 12.01B |
| Stockholders Equity | 1.92B | 2.04B | 1.82B | 1.72B | 1.52B | 1.53B |
Cash Flow | ||||||
| Free Cash Flow | 235.44M | 181.53M | 239.93M | 261.68M | 214.71M | 158.07M |
| Operating Cash Flow | 242.74M | 193.51M | 247.40M | 268.24M | 216.64M | 160.57M |
| Investing Cash Flow | -839.52M | -1.08B | -796.87M | -1.31B | -1.38B | -23.11M |
| Financing Cash Flow | 612.70M | 803.17M | 880.61M | 1.18B | -563.19M | 1.35B |
Enterprise Financial Services Technical Analysis
Price Trends
Market Momentum
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 62.53 is above the 20-day moving average (MA) of 61.56, above the 50-day MA of 61.35, and above the 200-day MA of 60.39, indicating a bullish trend. The MACD of 0.53 indicates Negative momentum. The RSI at 54.45 is Neutral, neither overbought nor oversold. The STOCH value of 25.79 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for EFSC.
Enterprise Financial Services Risk Analysis
Enterprise Financial Services disclosed 44 risk factors in its most recent earnings report. Enterprise Financial Services reported the most risks in the "Finance & Corporate" category.
Latest Risks Added
2 New RisksEnterprise Financial Services Peers Comparison
Overall Rating
QCRH74Outperform
FSUN68Neutral
EFSC66Neutral
BY65Neutral
NBHC62Neutral
BUSE60Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| 74Outperform | $1.68B | 12.10 | 12.50% | 0.40% | 3.11% | 18.83% | |
| 68Neutral | $1.80B | 19.74 | 4.14% | ― | 45.20% | -37.79% | |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| 66Neutral | $2.23B | 12.46 | 9.35% | 2.14% | 2.12% | -3.12% | |
| 65Neutral | $1.73B | 11.34 | 12.02% | 1.33% | 2.04% | 22.06% | |
| 62Neutral | $1.64B | 25.64 | 3.44% | 3.42% | 14.13% | -60.23% | |
| 60Neutral | $2.34B | 11.76 | 9.65% | 3.59% | 17.34% | 112.83% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| EFSC | Enterprise Financial Services | 62.53 | 10.80 | 20.88% | |
| BUSE | First Busey | 28.94 | 6.78 | 30.57% | |
| QCRH | QCR Holdings | 103.58 | 26.31 | 34.05% | |
| NBHC | National Bank Holdings Corp | 37.18 | 1.61 | 4.53% | |
| BY | Byline Bancorp | 39.12 | 12.21 | 45.40% | |
| FSUN | FirstSun Capital Bancorp | 39.48 | 7.43 | 23.18% |
Enterprise Financial Services Corporate Events
Enterprise Financial Services Highlights Investor Presentation and Performance
PositiveIn October 2026, Enterprise Financial Services Corp presented an investor deck highlighting its differentiated business model and operational performance to select investors and analysts. The materials underscored EFSC’s position as a focused commerc...
Enterprise Financial Services Announces Board Leadership Transition
NeutralEnterprise Financial Services disclosed that director Sandra A. Van Trease resigned from the boards of the company and its subsidiary, Enterprise Bank & Trust, effective August 19, 2026. Before stepping down, she chaired the Nominating and Governance...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Oct 31, 2026
