Enterprise Financial Services Corp (EFSC) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
8.83
↑+44% vs avg
5yr avg: 6.11
30Y Low0.9·High39.7
P/FCF
↑
12.52
↑+39% vs avg
5yr avg: 9.03
30Y Low3.2·High36.5
P/B Ratio
↓
1.14
+5% vs avg
5yr avg: 1.08
30Y Low0.6·High2.8
ROE
↑
10.4%
-8% vs avg
5yr avg: 11.3%
30Y Low-25%·High15%
Debt/EBITDA
↓
1.74
↓-17% vs avg
5yr avg: 2.10
30Y Low0.1·High36.0
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
EFSC Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Enterprise Financial Services Corp trades at 11.7x earnings, 12% above its 5-year average of 10.4x, sitting at the 30th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a discount of 14%. On a free-cash-flow basis, the stock trades at 12.5x P/FCF, 39% above the 5-year average of 9.0x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $2.3B | $2.0B | $2.1B | $1.7B | $1.8B | $1.6B | $943M | $1.3B | $877M | $1.1B | $871M |
| Enterprise Value | $2.6B | $2.3B | $1.8B | $1.7B | $2.1B | $156M | $954M | $1.7B | $1.1B | $1.4B | $1.3B |
| P/E Ratio → | 11.70 | 10.17 | 11.68 | 8.81 | 9.22 | 12.20 | 12.66 | 13.58 | 9.83 | 21.81 | 17.84 |
| P/S Ratio | 2.49 | 2.21 | 2.60 | 2.25 | 3.44 | 3.85 | 2.72 | 3.65 | 3.21 | 4.49 | 4.89 |
| P/B Ratio | 1.14 | 0.99 | 1.16 | 0.98 | 1.21 | 1.06 | 0.87 | 1.45 | 1.45 | 1.92 | 2.25 |
| P/FCF | 12.52 | 11.09 | 8.83 | 6.40 | 8.55 | 10.28 | 7.08 | 14.64 | 8.29 | 24.31 | 10.89 |
| P/OCF | 11.74 | 10.40 | 8.56 | 6.24 | 8.47 | 10.12 | 6.96 | 13.64 | 8.06 | 22.95 | 10.56 |
P/E links to full P/E history page with 30-year chart
EFSC EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Enterprise Financial Services Corp's enterprise value stands at 8.8x EBITDA, 44% above its 5-year average of 6.1x. The Financial Services sector median is 11.4x, placing the stock at a 23% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.54 | 2.21 | 2.28 | 3.97 | 0.37 | 2.75 | 4.99 | 3.99 | 6.15 | 7.47 |
| EV / EBITDA | 8.83 | 7.94 | 7.44 | 6.57 | 7.74 | 0.85 | 9.19 | 13.53 | 9.86 | 15.59 | 17.03 |
| EV / EBIT | 9.07 | 8.16 | 7.77 | 6.87 | 8.16 | 0.92 | 10.38 | 14.84 | 10.42 | 16.65 | 17.79 |
| EV / FCF | — | 12.75 | 7.48 | 6.48 | 9.86 | 0.99 | 7.16 | 20.00 | 10.31 | 33.32 | 16.64 |
EFSC Profitability
Margins and return-on-capital ratios measuring operating efficiency
Enterprise Financial Services Corp earns an operating margin of 31.1%, above the Financial Services sector average of 20.3%. Operating margins have compressed from 33.2% to 31.1% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 10.4% is modest. ROIC of 8.8% represents adequate returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 68.4% | 68.4% | 62.6% | 67.9% | 92.4% | 91.4% | 71.2% | 78.9% | 80.8% | 84.9% | 90.3% |
| Operating Margin | 31.1% | 31.1% | 28.4% | 33.2% | 48.6% | 40.0% | 26.5% | 33.6% | 38.3% | 36.9% | 42.0% |
| Net Profit Margin | 22.1% | 22.1% | 22.7% | 26.1% | 38.0% | 31.6% | 21.4% | 26.9% | 32.6% | 20.6% | 27.4% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 10.4% | 10.4% | 10.5% | 12.0% | 13.3% | 10.2% | 7.6% | 12.6% | 15.5% | 10.3% | 13.2% |
| ROA | 1.2% | 1.2% | 1.2% | 1.4% | 1.5% | 1.1% | 0.9% | 1.4% | 1.6% | 1.0% | 1.3% |
| ROIC | 8.8% | 8.8% | 7.8% | 8.7% | 9.3% | 6.8% | 4.4% | 6.9% | 7.4% | 6.1% | 6.1% |
| ROCE | 2.9% | 2.9% | 10.8% | 12.2% | 13.6% | 10.0% | 6.5% | 10.7% | 12.2% | 12.0% | 13.3% |
EFSC Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Enterprise Financial Services Corp carries a Debt/EBITDA ratio of 1.7x, which is manageable (59% below the sector average of 4.3x). Net debt stands at $300M ($509M total debt minus $208M cash). Interest coverage of just 1.1x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.25 | 0.25 | 0.24 | 0.26 | 0.38 | 0.37 | 0.51 | 0.73 | 0.68 | 0.99 | 1.70 |
| Debt / EBITDA | 1.74 | 1.74 | 1.81 | 1.76 | 2.12 | 3.06 | 5.35 | 4.94 | 3.72 | 5.89 | 8.43 |
| Net Debt / Equity | — | 0.15 | -0.18 | 0.01 | 0.19 | -0.96 | 0.01 | 0.53 | 0.35 | 0.71 | 1.19 |
| Net Debt / EBITDA | 1.03 | 1.03 | -1.34 | 0.08 | 1.03 | -8.03 | 0.11 | 3.62 | 1.93 | 4.22 | 5.89 |
| Debt / FCF | — | 1.66 | -1.35 | 0.08 | 1.31 | -9.29 | 0.08 | 5.35 | 2.02 | 9.01 | 5.75 |
| Interest Coverage | 1.08 | 1.08 | 0.82 | 1.22 | 6.30 | 7.32 | 2.64 | 1.75 | 2.28 | 3.43 | 5.45 |
EFSC Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
Enterprise Financial Services Corp's current ratio of 27.20x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 0.17x to 27.20x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 27.20 | 27.20 | 0.07 | 0.17 | 0.17 | 0.29 | 0.18 | 0.22 | 0.19 | 0.18 | 0.19 |
| Quick Ratio | 27.20 | 27.20 | 0.07 | 0.17 | 0.17 | 0.29 | 0.18 | 0.22 | 0.19 | 0.18 | 0.19 |
| Cash Ratio | 27.20 | 27.20 | 0.06 | 0.03 | 0.03 | 0.17 | 0.07 | 0.03 | 0.04 | 0.04 | 0.06 |
| Asset Turnover | — | 0.05 | 0.05 | 0.05 | 0.04 | 0.03 | 0.04 | 0.05 | 0.05 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
EFSC Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Enterprise Financial Services Corp returns 2.6% to shareholders annually — split between a 1.9% dividend yield and 0.6% buyback yield. The payout ratio of 22.4% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 8.5% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 1.9% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 22.4% | 22.4% | 21.3% | 19.3% | 16.5% | 19.7% | 26.6% | 17.9% | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 8.5% | 9.8% | 8.6% | 11.4% | 10.8% | 8.2% | 7.9% | 7.4% | 10.2% | 4.6% | 5.6% |
| FCF Yield | 8.0% | 9.0% | 11.3% | 15.6% | 11.7% | 9.7% | 14.1% | 6.8% | 12.1% | 4.1% | 9.2% |
| Buyback Yield | 0.6% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 2.6% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $37M | $38M | $38M | $38M | $34M | $27M | $26M | $23M | $23M | $20M |
Peer Comparison
Compare EFSC with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 EFSCYou | $2B | 11.7 | 8.8 | 12.5 | 68.4% | 31.1% | 10.4% | 8.8% | 1.7 |
 IBCP | $706M | 10.5 | 9.5 | 10.1 | 69.6% | 25.8% | 14.3% | 10.2% | 1.4 |
 FFIN | $5B | 18.5 | 11.4 | 15.3 | 71.8% | 37.5% | 14.4% | 12.4% | 0.1 |
 CVBF | $3B | 13.7 | 13.2 | 13.0 | 79.9% | 43.8% | 9.3% | 6.8% | 3.5 |
 SFBS | $4B | 15.9 | 17.0 | 12.6 | 51.8% | 33.6% | 16.0% | 7.3% | 4.4 |
 BOKF | $8B | 14.2 | 13.7 | 13.8 | 63.7% | 21.4% | 10.1% | 5.2% | 5.8 |
 UMBF | $10B | 14.6 | 12.2 | 10.4 | 54.4% | 20.3% | 12.6% | 7.5% | 3.6 |
 TCBK | $2B | 13.9 | 8.6 | 12.9 | 75.9% | 31.7% | 9.5% | 8.9% | 0.4 |
 BANF | $4B | 15.6 | 11.3 | 15.9 | 82.9% | 36.8% | 13.8% | 12.3% | 0.4 |
 HOMB | $5B | 11.5 | 9.3 | 11.3 | 77.3% | 43.8% | 11.5% | 8.7% | 1.5 |
 FBIZ | $503M | 10.0 | 12.1 | 8.2 | 57.3% | 21.6% | 14.4% | 7.0% | 4.3 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 30 years · Updated daily
Consensus-Based Analysis Tools
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Check Valuation
Historical Returns
10-year return with dividends reinvested.
Calculate
DCA Calculator
See how regular investing compounds over time.
Run Numbers
Peer Comparison
Compare growth, multiples, and margins vs sector.
Compare
EFSC — Frequently Asked Questions
Quick answers to the most common questions about buying EFSC stock.
What is Enterprise Financial Services Corp's P/E ratio?
Enterprise Financial Services Corp's current P/E ratio is 11.7x. The historical average is 20.8x. This places it at the 30th percentile of its historical range.
What is Enterprise Financial Services Corp's EV/EBITDA?
Enterprise Financial Services Corp's current EV/EBITDA is 8.8x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 12.9x.
What is Enterprise Financial Services Corp's ROE?
Enterprise Financial Services Corp's return on equity (ROE) is 10.4%. The historical average is 8.9%.
Is EFSC stock overvalued?
Based on historical data, Enterprise Financial Services Corp is trading at a P/E of 11.7x. This is at the 30th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Enterprise Financial Services Corp's dividend yield?
Enterprise Financial Services Corp's current dividend yield is 1.95% with a payout ratio of 22.4%.
What are Enterprise Financial Services Corp's profit margins?
Enterprise Financial Services Corp has 68.4% gross margin and 31.1% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Enterprise Financial Services Corp have?
Enterprise Financial Services Corp's Debt/EBITDA ratio is 1.7x, indicating moderate leverage. A ratio below 2x is generally considered financially healthy.