Enterprise Financial Services Corp (EFSC) 10-Year Financial Performance & Capital Metrics

EFSC • • Banking & Credit

Financial ServicesRegional BanksCommercial & Business BankingCommercial & Corporate Banking

AboutEnterprise 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.Show more

Net Interest Income $566M +0.9%
Total Revenue $814M +9.5%
Net Income $185M -4.5%
Return on Equity 10.47% -12.7%
Net Interest Margin 3.63% -6.1%
Efficiency Ratio 34.22% -1.4%
ROA 1.23% -12.6%
Equity / Assets 11.69% -1.1%
Book Value per Share 48.55 +6.1%
Tangible BV/Share 38.61 +8.2%
Debt/Equity 0.24 -9.3%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong NIM of 3.6%
✓Efficient operations: 34.2% efficiency ratio
✓13 consecutive years of dividend growth
✓Well capitalized: 11.7% equity/assets
✓Trading at only 1.2x book value

✗Weaknesses

No significant weaknesses identified

Price & Volume

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Growth Metrics

Revenue CAGR

10Y18.56%

5Y18.72%

3Y24.54%

TTM-

Profit (Net Income) CAGR

10Y21.16%

5Y14.84%

3Y11.67%

TTM7.99%

EPS CAGR

10Y13.6%

5Y6.35%

3Y7.76%

TTM8.9%

ROCE

10Y Avg11.19%

5Y Avg10.62%

3Y Avg12.18%

Latest10.76%

Peer Comparison

Commercial & Corporate Banking

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
TCBITexas Capital Bancshares, Inc.	4.49B	98.37	76.85	-1.72%	4.4%	7.92%	9.27%	0.46
BANCBanc of California, Inc.	3.15B	20.87	40.13	24.65%	6.78%	6.01%	2.04%	0.67
DBDeutsche Bank AG	74.26B	38.87	28.37	11.78%	5.07%	7.18%		1.91
HTHHilltop Holdings Inc.	2.2B	35.83	20.59	2.5%	7.35%	7.2%	12.14%	0.61
SFBSServisFirst Bancshares, Inc.	4.28B	78.31	18.82	17.89%	23.26%	14.33%	5.8%	1.27
CMAComerica Incorporated	11.69B	91.51	18.23	-4.95%	13.98%	10.57%	3.83%	1.02
BOKFBOK Financial Corporation	8.08B	127.69	15.69	10.4%	15.57%	8.91%	15.59%	0.80
CNOBConnectOne Bancorp, Inc.	1.37B	27.26	15.49	6.06%	13.8%	3.98%	4.15%	0.63

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	120.27M	135.27M	176.85M	191M	237.66M	269.11M	358.92M	472.53M	561.18M	566.28M
NII Growth %	0.03%	0.12%	0.31%	0.08%	0.24%	0.13%	0.33%	0.32%	0.19%	0.01%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	132.64M	149.22M	202.54M	237.8M	305.13M	304.78M	383.23M	515.08M	763.51M	849.24M
Interest Expense	12.37M	13.73M	25.23M	45.9M	66.42M	34.78M	23.04M	41.18M	202.33M	282.95M
Loan Loss Provision	458K	3.6M	10.13M	6.64M	6.37M	65.4M	13.38M	-611K	36.6M	21.51M
Non-Interest Income+	20.82M	29.06M	31.81M	35.53M	40.26M	42.48M	38.37M	18.58M	-19.99M	-34.83M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	153.45M	178.28M	234.35M	273.33M	345.39M	347.26M	421.6M	533.66M	743.52M	814.41M
Revenue Growth %	0.03%	0.16%	0.31%	0.17%	0.26%	0.01%	0.21%	0.27%	0.39%	0.1%
Non-Interest Expense	82.23M	86.11M	112.47M	116.21M	156.57M	155.13M	216.55M	233.63M	258.06M	278.7M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	58.4M	74.84M	86.52M	104.58M	116.04M	91.95M	168.63M	259.46M	246.53M	231.24M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.42%	0.28%	0.16%	0.21%	0.11%	-0.21%	0.83%	0.54%	-0.05%	-0.06%
Pretax Income+	58.4M	74.84M	86.52M	104.58M	116.04M	91.95M	168.63M	259.46M	246.53M	231.24M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	19.95M	26M	38.33M	15.36M	23.3M	17.56M	35.58M	56.42M	52.47M	45.98M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	38.45M	48.84M	48.19M	89.22M	92.74M	74.38M	133.06M	203.04M	194.06M	185.27M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.42%	0.27%	-0.01%	0.85%	0.04%	-0.2%	0.79%	0.53%	-0.04%	-0.05%
Net Income (Continuing)	38.45M	48.84M	48.19M	89.22M	92.74M	74.38M	133.06M	203.04M	194.06M	185.27M
EPS (Diluted)+	1.89	2.41	2.07	3.83	3.55	2.76	3.86	5.31	5.07	4.83
EPS Growth %	0.4%	0.28%	-0.14%	0.85%	-0.07%	-0.22%	0.4%	0.38%	-0.05%	-0.05%
EPS (Basic)	1.92	2.44	2.10	3.86	3.56	2.76	3.86	5.32	5.09	4.86
Diluted Shares Outstanding	20.34M	20.26M	23.28M	23.29M	26.16M	26.99M	34.5M	37.5M	37.51M	37.57M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	95.07M	199.34M	154.75M	198.02M	167.93M	543.81M	2.03B	297.63M	434M	760.35M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	3.35B	3.72B	4.84B	5.16B	6.63B	8.55B	10.72B	11.9B	13.18B	13.94B
Investments Growth %	0.12%	0.11%	0.3%	0.07%	0.29%	0.29%	0.25%	0.11%	0.11%	0.06%
Long-Term Investments	2.9B	3.26B	4.2B	4.44B	5.5B	7.64B	9.36B	10.36B	11.56B	13.82B
Accounts Receivables	1000K	1000K	1000K	1000K	0	0	0	0	0	0
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	30.33M	30.33M	117.34M	117.34M	210.34M	260.57M	365.16M	365.16M	365.16M	365.16M
Intangible Assets	3.08M	2.15M	11.06M	8.55M	26.08M	23.08M	22.29M	16.92M	12.32M	8.48M
PP&E (Net)	14.84M	14.91M	32.62M	32.11M	60.01M	53.17M	47.91M	42.98M	42.68M	45.01M
Other Assets	109.5M	105M	116.5M	115.36M	238.29M	320.31M	352.17M	434.54M	487.64M	479.63M
Total Current Assets	555.24M	671.25M	810.2M	935.46M	1.3B	1.46B	3.39B	1.83B	2.05B	875.37M
Total Non-Current Assets	3.05B	3.41B	4.48B	4.71B	6.03B	8.3B	10.14B	11.22B	12.47B	14.72B
Total Assets+	3.61B	4.08B	5.29B	5.65B	7.33B	9.75B	13.54B	13.05B	14.52B	15.6B
Asset Growth %	0.1%	0.13%	0.3%	0.07%	0.3%	0.33%	0.39%	-0.04%	0.11%	0.07%
Return on Assets (ROA)	0.01%	0.01%	0.01%	0.02%	0.01%	0.01%	0.01%	0.02%	0.01%	0.01%
Accounts Payable	629K	1.1M	1.73M	1.98M	0	0	0	0	0	0
Total Debt+	437.13M	659.5M	544.52M	411.61M	628.84M	554.72M	558.76M	579.55M	453.81M	437.37M
Net Debt	342.07M	460.16M	389.78M	213.58M	460.91M	10.91M	-1.47B	281.92M	19.81M	-322.97M
Long-Term Debt	166.81M	382.52M	290.85M	190.16M	397.95M	283.64M	227.76M	308.78M	203.62M	192.75M
Short-Term Debt	270.33M	276.98M	253.67M	221.45M	230.89M	271.08M	331.01M	270.77M	250.2M	244.62M
Other Liabilities	35.3M	-199.74M	37.99M	40.29M	66.75M	132.49M	105.68M	123.21M	172.34M	188.56M
Total Current Liabilities	3.06B	3.51B	4.41B	4.81B	6B	8.26B	11.67B	11.1B	12.43B	13.39B
Total Non-Current Liabilities	202.11M	182.78M	328.83M	230.45M	464.7M	416.13M	333.44M	431.99M	375.95M	381.32M
Total Liabilities	3.26B	3.69B	4.74B	5.04B	6.47B	8.67B	12.01B	11.53B	12.8B	13.77B
Total Equity+	350.83M	387.1M	548.57M	603.8M	867.18M	1.08B	1.53B	1.52B	1.72B	1.82B
Equity Growth %	0.11%	0.1%	0.42%	0.1%	0.44%	0.24%	0.42%	-0%	0.13%	0.06%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.12%	0.13%	0.1%	0.15%	0.13%	0.08%	0.1%	0.13%	0.12%	0.1%
Book Value per Share	17.24	19.10	23.56	25.92	33.15	39.98	44.33	40.59	45.75	48.55
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	201K	203K	238K	239K	281K	332K	398K	373K	374K	370K
Additional Paid-in Capital	210.59M	213.08M	350.06M	350.94M	526.6M	697.84M	1.02B	982.66M	995.21M	990.73M
Retained Earnings	141.56M	182.19M	225.36M	304.57M	380.74M	417.21M	492.68M	597.57M	749.51M	877.63M
Accumulated OCI	218K	-1.74M	-3.82M	-9.28M	17.75M	37.12M	18.78M	-130.33M	-101.02M	-116.72M
Treasury Stock	-1.74M	-6.63M	-23.27M	-42.66M	-58.18M	-73.53M	-73.53M	0	0	0
Preferred Stock	0	0	0	0	0	0	71.99M	71.99M	71.99M	71.99M

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	47.19M	82.52M	45.79M	108.81M	92.46M	135.51M	160.57M	216.64M	268.24M	247.4M
Operating CF Growth %	0.5%	0.75%	-0.45%	1.38%	-0.15%	0.47%	0.18%	0.35%	0.24%	-0.08%
Net Income	38.45M	48.84M	48.19M	89.22M	92.74M	74.38M	133.06M	203.04M	194.06M	185.27M
Depreciation & Amortization	3.11M	3.35M	5.89M	6.04M	11.26M	11.82M	14.15M	14.01M	11.34M	10.07M
Deferred Taxes	-8.48M	4.62M	18.52M	487K	3.25M	-14.59M	-1.68M	688K	1.48M	-5.49M
Other Non-Cash Items	-6.87M	-9.61M	13.71M	9.69M	-5.85M	58.84M	26.29M	10.88M	42.5M	23.33M
Working Capital Changes	17.3M	31.96M	-43.95M	-77K	-12.97M	876K	-17.26M	-19.98M	8.71M	23.35M
Cash from Investing+	-337.25M	-358.06M	-312.44M	-331.62M	-378.52M	-702.83M	-23.11M	-1.38B	-1.31B	-796.87M
Purchase of Investments	-188.09M	-171.37M	-381.81M	-223.85M	-646.17M	-502.96M	-789.04M	-929.54M	-489.91M	-828.82M
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	4.46M	0	-23.38M	62.11M	212.64M	0	0	0
Other Investing	-284.06M	-306.12M	-270.29M	-247.04M	-276.1M	-694.23M	154.19M	-716.13M	-1.19B	-352.93M
Cash from Financing+	283.52M	380.18M	221.17M	266.04M	256.77M	937.76M	1.35B	-563.19M	1.18B	880.61M
Dividends Paid	-5.26M	-8.21M	-10.25M	-10.85M	-16.57M	-19.8M	-26.15M	-37.64M	-41.12M	-43.3M
Share Repurchases	0	-4.89M	-16.64M	-19.39M	-15.53M	-15.35M	-60.59M	-32.92M	0	-29.64M
Stock Issued	2K	2K	0	0	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	-1000K	1000K	-1000K	1000K	-1000K	-1000K	1000K	-1000K	-1000K
Other Financing	292.34M	447.89M	154.98M	429M	101.64M	1.13B	1.52B	-512.88M	1.35B	970.56M
Net Change in Cash+	-6.54M	104.64M	-45.48M	43.23M	-29.3M	370.45M	1.48B	-1.73B	141.67M	331.14M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	100.7M	94.16M	198.8M	153.32M	196.55M	167.26M	537.7M	2.02B	291.36M	433.03M
Cash at End	94.16M	198.8M	153.32M	196.55M	167.26M	537.7M	2.02B	291.36M	433.03M	764.17M
Interest Paid	12.58M	13.25M	24.61M	45.65M	65.67M	35.42M	23.96M	40.74M	195.39M	284.36M
Income Taxes Paid	15.76M	26.04M	12.45M	10.14M	13.58M	7.51M	56.84M	46.01M	50.12M	28.14M
Free Cash Flow+	45.08M	80.03M	43.24M	105.77M	86.12M	133.25M	158.07M	214.71M	261.68M	239.93M
FCF Growth %	0.52%	0.78%	-0.46%	1.45%	-0.19%	0.55%	0.19%	0.36%	0.22%	-0.08%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	11.53%	13.24%	10.3%	15.48%	12.61%	7.64%	10.2%	13.31%	11.99%	10.47%
Return on Assets (ROA)	1.12%	1.27%	1.03%	1.63%	1.43%	0.87%	1.14%	1.53%	1.41%	1.23%
Net Interest Margin	3.33%	3.31%	3.34%	3.38%	3.24%	2.76%	2.65%	3.62%	3.87%	3.63%
Efficiency Ratio	53.58%	48.3%	47.99%	42.52%	45.33%	44.67%	51.36%	43.78%	34.71%	34.22%
Equity / Assets	9.72%	9.48%	10.37%	10.7%	11.82%	11.06%	11.3%	11.66%	11.82%	11.69%
Book Value / Share	17.24	19.1	23.56	25.92	33.15	39.98	44.33	40.59	45.75	48.55
NII Growth	2.71%	12.47%	30.74%	8%	24.43%	13.23%	33.37%	31.65%	18.76%	0.91%
Dividend Payout	13.68%	-	-	-	17.87%	26.61%	19.66%	16.55%	19.26%	21.35%

Frequently Asked Questions

Valuation & Price

Enterprise Financial Services Corp (EFSC) has a price-to-earnings (P/E) ratio of 11.6x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Enterprise Financial Services Corp (EFSC) grew revenue by 9.5% over the past year. This is steady growth.

Yes, Enterprise Financial Services Corp (EFSC) is profitable, generating $195.4M in net income for fiscal year 2024 (22.7% net margin).

Dividend & Returns

Yes, Enterprise Financial Services Corp (EFSC) pays a dividend with a yield of 1.87%. This makes it attractive for income-focused investors.

Enterprise Financial Services Corp (EFSC) has a return on equity (ROE) of 10.5%. This is reasonable for most industries.

Industry Metrics

Enterprise Financial Services Corp (EFSC) has a net interest margin (NIM) of 3.6%. This indicates healthy earnings from lending activities.

Enterprise Financial Services Corp (EFSC) has an efficiency ratio of 34.2%. This is excellent, indicating strong cost control.

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