Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 12.03 | 12.93 | 15.11 | 10.41 | 9.31 | 12.18 | 10.13 | 10.26 | 11.02 | 9.71 | 8.59 | 9.66 | 9.62 | 8.01 | 7.58 | 7.64 | 7.75 | 8.34 | 8.72 | 9.62 | 8.85 |
| — | +6.1% | +49.2% | +1.5% | -15.5% | +25.5% | +17.9% | +6.2% | +14.5% | +21.2% | +13.4% | +26.5% | +24.2% | -3.9% | -13.1% | -20.6% | -12.5% | -72.0% | -7.5% | -25.3% | +1.3% | |
| P/S Ratio | 3.00 | 2.85 | 3.32 | 2.71 | 2.60 | 3.06 | 3.60 | 3.65 | 3.88 | 3.54 | 2.95 | 2.94 | 3.18 | 2.65 | 2.71 | 2.99 | 3.29 | 3.21 | 3.40 | 4.04 | 4.00 |
| — | -6.8% | -8.0% | -25.6% | -33.0% | -13.6% | +22.1% | +24.1% | +22.1% | +33.9% | +9.0% | -1.8% | -3.4% | -17.7% | -20.3% | -25.9% | -17.6% | -18.7% | -14.5% | -8.8% | +44.7% | |
| P/B Ratio | 1.13 | 1.12 | 1.18 | 0.99 | 0.99 | 1.09 | 1.07 | 1.07 | 1.16 | 1.05 | 0.87 | 0.88 | 0.98 | 0.87 | 0.91 | 1.05 | 1.20 | 1.14 | 1.07 | 1.22 | 1.18 |
| — | +2.5% | +10.9% | -7.3% | -14.7% | +4.0% | +22.1% | +21.8% | +18.5% | +20.1% | -3.4% | -16.1% | -18.8% | -23.2% | -15.2% | -13.7% | +2.0% | -2.1% | -17.7% | -14.2% | +25.7% | |
| P/FCF | 9.56 | 7.53 | 9.02 | 8.74 | 12.64 | 11.47 | 8.71 | 14.06 | 10.54 | 5.45 | 5.14 | 14.15 | 5.62 | 7.20 | 5.26 | 6.10 | 16.25 | 5.65 | 6.01 | 9.06 | 8.34 |
| — | -34.3% | +3.6% | -37.8% | +19.9% | +110.5% | +69.5% | -0.6% | +87.6% | -24.3% | -2.3% | +132.0% | -65.4% | +27.4% | -12.5% | -32.7% | +94.9% | -46.2% | +13.1% | — | +14.1% | |
| EV / EBITDA | 10.16 | 9.79 | 12.66 | 8.13 | 7.87 | 6.46 | 8.34 | 8.46 | 7.10 | 7.55 | 6.50 | 7.65 | 7.28 | 5.74 | 6.26 | 6.23 | 6.61 | 4.62 | 4.18 | 0.92 | 1.21 |
| — | +51.5% | +51.8% | -3.9% | +10.9% | -14.3% | +28.3% | +10.6% | -2.5% | +31.5% | +3.8% | +22.7% | +10.1% | +24.4% | +49.9% | +580.4% | +446.4% | -48.2% | -7.8% | -86.9% | -81.8% | |
| EV / EBIT | 8.99 | 9.79 | 13.52 | 8.61 | 8.29 | 6.65 | 8.70 | 8.79 | 7.38 | 7.85 | 6.79 | 8.04 | 7.64 | 6.01 | 6.56 | 6.49 | 6.91 | 4.84 | 4.45 | 0.97 | 1.30 |
| — | +47.2% | +55.4% | -2.1% | +12.3% | -15.2% | +28.1% | +9.3% | -3.4% | +30.6% | +3.6% | +23.8% | +10.5% | +24.1% | +47.2% | +570.2% | +432.9% | -54.3% | -7.2% | -87.3% | -82.0% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 96.0% | 90.4% | 92.2% | 96.1% | 95.2% | 95.2% | 98.0% | 96.2% | 95.0% | 97.0% | 96.3% | 95.6% | 86.6% | 94.2% | 95.6% | 97.3% | 98.5% | 99.5% | 99.7% | 104.0% | 103.5% |
| — | -5.1% | -5.9% | -0.1% | +0.3% | -1.8% | +1.8% | +0.7% | +9.7% | +3.0% | +0.7% | -1.7% | -12.1% | -5.3% | -4.1% | -6.5% | -4.9% | +21.7% | -3.1% | +3.8% | +15.1% | |
| Operating Margin | 43.6% | 29.3% | 28.7% | 33.9% | 36.1% | 50.2% | 45.0% | 44.4% | 44.6% | 46.3% | 43.9% | 39.0% | 42.1% | 42.9% | 46.3% | 51.0% | 54.9% | 50.2% | 50.7% | 55.1% | 57.3% |
| — | -41.6% | -36.3% | -23.6% | -19.1% | +8.5% | +2.5% | +13.8% | +5.8% | +7.9% | -5.1% | -23.5% | -23.3% | -14.5% | -8.7% | -7.4% | -4.1% | +189.4% | -3.8% | +28.4% | +48.1% | |
| Net Margin | 31.0% | 22.6% | 22.5% | 26.6% | 28.3% | 25.6% | 36.1% | 36.4% | 35.9% | 37.3% | 34.9% | 31.2% | 33.8% | 33.6% | 36.3% | 39.9% | 43.1% | 39.2% | 39.6% | 43.0% | 45.0% |
| — | -11.8% | -37.7% | -26.7% | -21.2% | -31.3% | +3.2% | +16.7% | +6.3% | +11.0% | -3.8% | -22.0% | -21.7% | -14.4% | -8.5% | -7.2% | -4.2% | +198.2% | -5.6% | +25.6% | +42.6% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 10.4% | 2.1% | 2.0% | 2.4% | 2.7% | 2.3% | 2.7% | 2.7% | 2.7% | 2.8% | 2.6% | 2.3% | 2.7% | 2.8% | 3.1% | 3.6% | 4.0% | 3.5% | 3.1% | 3.2% | 3.4% |
| — | -7.4% | -25.7% | -10.2% | +2.0% | -17.9% | +4.0% | +15.5% | -0.2% | +2.0% | -14.8% | -34.5% | -33.8% | -20.3% | -1.0% | +12.6% | +18.1% | +219.0% | -11.0% | +15.3% | +16.0% | |
| ROA | 1.2% | 0.2% | 0.2% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.4% | 0.4% | 0.5% | 0.4% | 0.3% | 0.4% | 0.4% |
| — | -13.4% | -26.9% | -10.5% | +1.7% | -18.6% | +4.1% | +15.2% | +2.5% | +6.8% | -13.9% | -34.4% | -32.3% | -16.8% | +7.2% | +20.7% | +19.8% | +221.4% | -9.9% | +16.7% | +20.5% | |
| ROIC | 8.8% | 1.6% | 1.5% | 1.9% | 2.0% | 2.5% | 1.9% | 1.9% | 2.0% | 2.1% | 2.0% | 1.7% | 2.0% | 2.1% | 2.2% | 2.6% | 2.9% | 2.6% | 2.3% | 2.3% | 2.4% |
| — | -36.8% | -20.0% | -1.9% | +1.2% | +20.8% | -3.1% | +11.2% | -1.6% | +0.1% | -12.7% | -32.4% | -31.2% | -19.8% | -1.8% | +11.9% | +22.0% | +237.5% | +0.8% | +30.9% | +45.4% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.25 | 0.26 | 0.33 | 0.20 | 0.25 | 0.34 | 0.34 | 0.33 | 0.24 | 0.26 | 0.24 | 0.28 | 0.26 | 0.21 | 0.31 | 0.29 | 0.38 | 0.24 | 0.30 | 0.29 | 0.37 |
| — | -22.3% | -2.8% | -38.2% | +4.0% | +29.3% | +46.4% | +20.1% | -9.3% | +24.1% | -24.7% | -6.6% | -30.5% | -14.0% | +4.6% | -0.0% | +4.2% | -29.5% | -31.7% | -33.4% | -28.9% | |
| Debt / EBITDA | 1.72 | 9.12 | 12.22 | 6.20 | 6.92 | 7.32 | 9.87 | 9.73 | 6.94 | 7.31 | 6.90 | 8.95 | 7.79 | 5.66 | 7.70 | 6.32 | 7.25 | 5.23 | 7.02 | 6.71 | 8.06 |
| — | +24.6% | +23.8% | -36.3% | -0.3% | +0.1% | +43.0% | +8.8% | -10.9% | +29.1% | -10.3% | +41.7% | +7.4% | +8.2% | +9.7% | -5.9% | -10.0% | -77.1% | -26.7% | -43.5% | -44.1% | |
| Current Ratio | 27.20 | 0.28 | 1.32 | — | 27.20 | 0.16 | 0.15 | 0.14 | 0.07 | 0.18 | 0.16 | 0.16 | 0.17 | 0.16 | 0.16 | 0.17 | 0.17 | 0.20 | 0.22 | 0.29 | 0.29 |
| — | +82.0% | +772.4% | — | +41509.9% | -12.0% | -7.8% | -14.2% | -60.4% | +13.7% | +1.3% | -2.1% | -0.0% | -22.2% | -26.7% | -42.8% | -43.2% | -15.1% | -7.2% | +37.2% | +64.8% | |
| Quick Ratio | 27.20 | 0.28 | 1.32 | — | 27.20 | 0.16 | 0.15 | 0.14 | 0.07 | 0.18 | 0.16 | 0.16 | 0.17 | 0.16 | 0.16 | 0.17 | 0.17 | 0.20 | 0.22 | 0.29 | 0.29 |
| — | +82.0% | +772.4% | — | +41509.9% | -12.0% | -7.8% | -14.2% | -60.4% | +13.7% | +1.3% | -2.1% | -0.0% | -22.2% | -26.7% | -42.8% | -43.2% | -15.1% | -7.2% | +37.2% | +64.8% | |
| Interest Coverage | 1.08 | 0.87 | 0.86 | 1.07 | 1.09 | 1.32 | 0.97 | 0.95 | 0.88 | 0.86 | 0.80 | 0.72 | 0.84 | 0.96 | 1.33 | 2.42 | 4.27 | 5.63 | 8.94 | 11.28 | 11.59 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying EFSC stock.
Enterprise Financial Services Corp's current P/E is 12.0x. The average P/E over the last 4 quarters is 11.9x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Enterprise Financial Services Corp's current operating margin is 43.6%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Enterprise Financial Services Corp's business trajectory between earnings reports.