Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Enterprise Financial Services Corp's quarterly P/E stands at 9.3x, down 15.5% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has expanded 16.7% YoY to 8.3x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 11.70 | 9.31 | 12.18 | 10.13 | 10.26 | 11.02 | 9.71 | 8.59 | 9.66 | 9.62 | 8.01 | 7.58 | 7.64 |
| — | -15.5% | +25.5% | +17.9% | +6.2% | +14.5% | +21.2% | +13.4% | +26.5% | +24.2% | -3.9% | -13.1% | -20.6% | |
| P/S Ratio | 2.49 | 1.95 | 2.22 | 2.45 | 2.48 | 2.58 | 2.30 | 1.91 | 1.91 | 2.11 | 1.83 | 2.00 | 2.47 |
| — | -24.2% | -3.7% | +28.6% | +30.1% | +22.0% | +26.1% | -4.8% | -22.6% | -27.6% | -38.1% | -37.5% | -35.8% | |
| P/B Ratio | 1.14 | 0.99 | 1.09 | 1.07 | 1.07 | 1.16 | 1.05 | 0.87 | 0.88 | 0.98 | 0.87 | 0.91 | 1.05 |
| — | -14.7% | +4.0% | +22.1% | +21.8% | +18.5% | +20.1% | -3.4% | -16.1% | -18.8% | -23.2% | -15.2% | -13.7% | |
| P/FCF | 12.52 | 12.64 | 11.47 | 8.71 | 14.06 | 10.54 | 5.45 | 5.14 | 14.15 | 5.62 | 7.20 | 5.26 | 6.10 |
| — | +19.9% | +110.5% | +69.5% | -0.6% | +87.6% | -24.3% | -2.3% | +132.0% | -65.4% | +27.4% | -12.5% | -32.7% | |
| EV / EBITDA | 8.83 | 8.29 | 6.46 | 8.34 | 8.46 | 7.10 | 7.55 | 6.50 | 7.65 | 7.28 | 5.74 | 6.26 | 6.23 |
| — | +16.7% | -14.3% | +28.3% | +10.6% | -2.5% | +31.5% | +3.8% | +22.7% | +10.1% | +24.4% | +49.9% | +580.4% | |
| EV / EBIT | 9.07 | 8.29 | 6.65 | 8.70 | 8.79 | 7.38 | 7.85 | 6.79 | 8.04 | 7.64 | 6.01 | 6.56 | 6.49 |
| — | +12.3% | -15.2% | +28.1% | +9.3% | -3.4% | +30.6% | +3.6% | +23.8% | +10.5% | +24.1% | +47.2% | +570.2% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Enterprise Financial Services Corp's operating margin was 27.1% in Q4 2025, down 9.3 pp QoQ and down 2.5 pp YoY. The trailing four-quarter average of 31.1% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind. Gross margin expanded 13.6% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 68.4% | 71.5% | 69.0% | 66.7% | 65.6% | 63.0% | 63.1% | 62.3% | 62.1% | 57.5% | 65.0% | 70.7% | 80.1% |
| — | +13.6% | +9.4% | +7.1% | +5.6% | +9.6% | -3.0% | -12.0% | -22.5% | -34.1% | -28.8% | -24.8% | -18.9% | |
| Operating Margin | 31.1% | 27.1% | 36.4% | 30.7% | 30.3% | 29.6% | 30.1% | 28.4% | 25.4% | 28.0% | 29.6% | 34.3% | 42.0% |
| — | -8.4% | +20.8% | +7.9% | +19.4% | +5.8% | +1.6% | -17.1% | -39.7% | -42.5% | -35.7% | -28.4% | -19.7% | |
| Net Margin | 22.1% | 21.3% | 18.6% | 24.5% | 24.8% | 23.8% | 24.3% | 22.6% | 20.2% | 22.4% | 23.2% | 26.9% | 32.9% |
| — | -10.7% | -23.5% | +8.7% | +22.5% | +6.2% | +4.6% | -15.9% | -38.5% | -41.3% | -35.6% | -28.2% | -19.6% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 10.4% | 2.7% | 2.3% | 2.7% | 2.7% | 2.7% | 2.8% | 2.6% | 2.3% | 2.7% | 2.8% | 3.1% | 3.6% |
| — | +2.0% | -17.9% | +4.0% | +15.5% | -0.2% | +2.0% | -14.8% | -34.5% | -33.8% | -20.3% | -1.0% | +12.6% | |
| ROA | 1.2% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.4% | 0.4% |
| — | +1.7% | -18.6% | +4.1% | +15.2% | +2.5% | +6.8% | -13.9% | -34.4% | -32.3% | -16.8% | +7.2% | +20.7% | |
| ROIC | 8.8% | 2.0% | 2.5% | 1.9% | 1.9% | 2.0% | 2.1% | 2.0% | 1.7% | 2.0% | 2.1% | 2.2% | 2.6% |
| — | +1.2% | +20.8% | -3.1% | +11.2% | -1.6% | +0.1% | -12.7% | -32.4% | -31.2% | -19.8% | -1.8% | +11.9% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Enterprise Financial Services Corp's Debt/EBITDA ratio is 7.3x — elevated, raising questions about debt serviceability. The current ratio has improved 41509.9% YoY to 27.20x, strengthening the short-term liquidity position. Debt/Equity has declined for 3 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.25 | 0.25 | 0.34 | 0.34 | 0.33 | 0.24 | 0.26 | 0.24 | 0.28 | 0.26 | 0.21 | 0.31 | 0.29 |
| — | +4.0% | +29.3% | +46.4% | +20.1% | -9.3% | +24.1% | -24.7% | -6.6% | -30.5% | -14.0% | +4.6% | -0.0% | |
| Debt / EBITDA | 1.74 | 7.28 | 7.32 | 9.87 | 9.73 | 6.94 | 7.31 | 6.90 | 8.95 | 7.79 | 5.66 | 7.70 | 6.32 |
| — | +4.9% | +0.1% | +43.0% | +8.8% | -10.9% | +29.1% | -10.3% | +41.7% | +7.4% | +8.2% | +9.7% | -5.9% | |
| Current Ratio | 27.20 | 27.20 | 0.16 | 0.15 | 0.14 | 0.07 | 0.18 | 0.16 | 0.16 | 0.17 | 0.16 | 0.16 | 0.17 |
| — | +41509.9% | -12.0% | -7.8% | -14.2% | -60.4% | +13.7% | +1.3% | -2.1% | -0.0% | -22.2% | -26.7% | -42.8% | |
| Quick Ratio | 27.20 | 27.20 | 0.16 | 0.15 | 0.14 | 0.07 | 0.18 | 0.16 | 0.16 | 0.17 | 0.16 | 0.16 | 0.17 |
| — | +41509.9% | -12.0% | -7.8% | -14.2% | -60.4% | +13.7% | +1.3% | -2.1% | -0.0% | -22.2% | -26.7% | -42.8% | |
| Interest Coverage | 1.08 | 1.09 | 1.32 | 0.97 | 0.95 | 0.88 | 0.86 | 0.80 | 0.72 | 0.84 | 0.96 | 1.33 | 2.42 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 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 11.7x. The average P/E over the last 4 quarters is 10.5x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Enterprise Financial Services Corp's current operating margin is 31.1%. 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.