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EFSCEnterprise Financial Services Corp
$59.84$2.2B
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
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Income StatementBalance SheetCash FlowRatios & Margins
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P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
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EFSC logo

Enterprise Financial Services Corp

EFSC
NASDAQ · Regional Banks
$59.84
At close - Sep 23, 4:00 PM EDT - USD
Market Cap$2.17B
P/E11.3x
52W High$68.73
Volume227.17K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q2

NII Growth Tempered by Provision Spike

Enterprise Financial Services Corp (EFSC) is executing on loan-driven asset growth, with total assets up 11.5% YoY to $17.4B and NII up 10.9% YoY to $168.7M in 2026Q2. However, earnings quality is under pressure as provisions quadrupled to $14.2M and the effic...

GrowthAccelerating
ProfitabilityModerate
ValuationAttractive
TechnicalsWeak
Explore valuation models
MARKET ACTION

EFSC price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

8/12 Beats

EPS beat 8 of last 12 quarters

02

Valuation risk

-23% Peers

P/E is 23% below peer median

03

Market leadership

RS 59 · Avg

Average momentum (RS Rating: 59)

04

Weak Trend

Below 200DMA

Price < 200DMA

Next CatalystEstimated earnings · Oct 22

Market performance

Price History →

Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
EFSC+12.61%
S&P 500 (^GSPC)+12.39%
1-Year Return
EFSC+3.07%
S&P 500 (^GSPC)+15.77%
3-Year Return
EFSC+68.65%
S&P 500 (^GSPC)+73.12%
5-Year Return
EFSC+46.82%
S&P 500 (^GSPC)+67.67%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/EMedian
11.3x
Forward P/E
11.4x
EV/EBITDA100th %ile
8.5x
FCF YieldCash Flow
8.4%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
11.3x
10.2x
60th· Fair
EV/EBITDA
8.5x
7.4x
100th· High
Price/FCF
12.0x
8.8x
100th· High
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$36.93-38.3%
Base (Fair)$73.20+18.8%
Bull$121.22+102.6%
$36.93 Bear$73.20 Base$121.22 Bull
Current Market Price: $59.85
Trades at a 18.2% discount to Base DCF ($73.20)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue
$650M+22.3% YoY
Net income
$201M+8.7% YoY
Free cash flow
$182M-24.3% YoY
Operating margin
31.1%+2.7 pts YoY
ROIC (TTM)8.8%
Avg ROIC 5Y-
ROE (TTM)10.4%
Piotroski Score6 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate8/12 (67%)
Revenue Beat Rate2/12 (17%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Jul 22, 2026
$1.13-15.0%
vs $1.33
$187M-0.9%
vs $189M
Q2 2026
Apr 22, 2026
$1.31+0.8%
vs $1.30
$189M+11.3%
vs $170M
Q1 2026
Jan 26, 2026
$1.36+2.3%
vs $1.33
$191M+1.3%
vs $189M
Q4 2025
Oct 27, 2025
$1.20-7.0%
vs $1.29
$177M-2.5%
vs $181M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
Defense World·5d ago
Engineers Gate Manager LP Acquires 11,047 Shares of Enterprise Financial Services Corporation $EFSC

Engineers Gate Manager LP raised its stake in shares of Enterprise Financial Services Corporation (NASDAQ: EFSC) by 221.4% in the second quarter, according to its most recent 13F filing with the SEC. The fund owned 16,037 shares of the bank's stock after purchasing an additional 11,047 shares during the period. Engineers Gate Manager

Seeking Alpha·Jul 23, 2026
Enterprise Financial Services Corp (EFSC) Q2 2026 Earnings Call Transcript

Enterprise Financial Services Corp (EFSC) Q2 2026 Earnings Call Transcript

MarketBeat·Jul 23, 2026
Enterprise Financial Services Q2 Earnings Call Highlights

Enterprise Financial Services NASDAQ: EFSC reported lower second-quarter earnings as higher credit costs offset stable core operating performance, while management said loan growth, net interest income and capital levels remained solid.

Zacks Investment Research·Jul 22, 2026
Enterprise Financial Services (EFSC) Q2 Earnings and Revenues Miss Estimates

Enterprise Financial Services (EFSC) came out with quarterly earnings of $1.13 per share, missing the Zacks Consensus Estimate of $1.35 per share. This compares to earnings of $1.37 per share a year ago.

Filtered for Enterprise Financial Services CorpMore Headlines
04

Compare before deciding

Benchmark EFSC against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Enterprise Financial Services Corp (EFSC)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
EFSC logoEFSCEnterprise Financial Services CorpCurrent
$59.85$2.17B11.2722.32%22.07%10.42%2.02%
IBCP logoIBCPIndependent Bank Corporation
$35.30$727.4M10.804.57%22.71%14.12%—
FFIN logoFFINFirst Financial Bankshares, Inc.
$31.92$4.57B18.0316.23%31.14%14.2%—
CVBF logoCVBFCVB Financial Corp.
$22.01$3.16B14.487.23%29.31%8.22%—
SFBS logoSFBSServisFirst Bancshares, Inc.
$41.17$4.5B16.2717.72%51.23%17.05%—
BOKF logoBOKFBOK Financial Corporation
$130.58$7.93B14.229.59%18.3%10.31%—

Compare EFSC vs Peers

Enterprise Financial Services Corp (EFSC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs IBCP

Most directly comparable listed peer for EFSC.

Scale Benchmark

vs ICE

Larger-name benchmark to compare EFSC against a more recognizable public peer.

Peer Set

Compare Top 5

vs IBCP, FFIN, CVBF, SFBS

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

EFSC SEC Filings & Documents

Enterprise Financial Services Corp (EFSC) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Aug 20, 2026·SEC

Material company update

Jul 27, 2026·SEC

Material company update

Jul 22, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 27, 2026·SEC

FY 2025

Feb 28, 2025·SEC

FY 2024

Feb 26, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

Jul 31, 2026·SEC

FY 2026

May 1, 2026·SEC

FY 2025

Oct 31, 2025·SEC

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EFSC Frequently Asked Questions

Enterprise Financial Services Corp (EFSC) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Enterprise Financial Services Corp growing?

Enterprise Financial Services Corp (EFSC) grew revenue by 22.3% over the past year. This is strong growth.

Is EFSC profitable?

Yes, Enterprise Financial Services Corp (EFSC) is profitable, generating $190.3M in net income for fiscal year 2025 (22.1% net margin).

Dividend & Returns
Does EFSC pay dividends?

Yes, Enterprise Financial Services Corp (EFSC) pays a dividend with a yield of 2.02%. This makes it attractive for income-focused investors.

What is EFSC's return on equity?

Enterprise Financial Services Corp (EFSC) has a return on equity (ROE) of 10.4%. This is reasonable for most industries.

Industry Metrics
What is Enterprise Financial Services Corp's net interest margin?

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

What is Enterprise Financial Services Corp's efficiency ratio?

Enterprise Financial Services Corp (EFSC) has an efficiency ratio of 37.3%. This is excellent, indicating strong cost control.

What if you invested $1,000 in EFSC back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →