EFSC$52.98
Chart
Performance
Key Stats
AI EFSC Summary
Powered by LiveAIAI Scoreboard
Powered by LiveAIOverall Analysis
BuyEnterprise Financial Services Corp (EFSC) presents a mixed investment profile. It shows strong fundamental performance with solid profitability and a healthy balance sheet, supported by consistent dividends. However, current technical indicators suggest a short-term bearish trend, and its valuation, particularly the P/E ratio, appears on the higher side compared to recent performance.
Thematic
As a regional bank, EFSC's thematic exposure is primarily tied to the broader financial services sector and regional economic growth. While stable, it lacks exposure to high-growth technology themes like AI or renewable energy, which are currently driving significant market interest.
Fundamental
EFSC demonstrates strong financial health, characterized by robust profitability, a healthy balance sheet, and consistent dividend payouts. While revenue has seen some fluctuation, net income and margins have remained strong.
Technical
Current technical indicators point towards a bearish short-term outlook for EFSC. The stock is trading below key moving averages, and momentum indicators are predominantly negative, suggesting potential further downside or consolidation.
| Factor | Score |
|---|---|
| Financial Sector Stability | 70 |
| Regional Economic Dependence | 50 |
| Digital Transformation in Banking | 40 |
| Interest Rate Sensitivity | 30 |
| Regulatory Landscape | 50 |
| Factor | Score |
|---|---|
| Valuation | 65 |
| Profitability | 95 |
| Growth | 40 |
| Balance Sheet Health | 90 |
| Cash Flow | 80 |
| Dividends | 75 |
| Factor | Score |
|---|---|
| Trend Analysis | 40 |
| Momentum | 50 |
| Trading Volume | 60 |
| Short-Term Moving Averages | 30 |
| Support/Resistance Levels | 30 |
AI Investing Checklist
Powered by LiveAIBullish Points (6)
Consistent EPS Beat
Enterprise Financial Services Corp (EFSC) has consistently beaten earnings per share (EPS) estimates in recent quarters. For example, in Q2 2025, reported EPS was $1.31 against an estimate of $1.17, a surprise of 11.87%. This trend suggests strong operational execution and effective cost management.
Reasonable P/E Ratio
The trailing P/E ratio of 11.04 is attractive, especially considering the company's net income of $185.27 million in 2024. This valuation suggests the stock might be undervalued relative to its earnings power, particularly when compared to historical averages or industry peers (if available).
Bearish Points (7)
Potentially High Quarterly P/S Ratio
The quarterly Price-to-Sales (P/S) ratio for Q1 2025 is 14.4, which appears very high. While annual P/S is more reasonable, this significant jump in the quarterly ratio could signal an overvaluation based on recent sales performance relative to market capitalization, possibly driven by short-term market dynamics.
Slowing Revenue Growth Trend
While net income has been strong, the revenue figures show a slight decline or stagnation from $541.19 million in Q4 2023 to $531.45 million in Q4 2024. This, coupled with a decrease in revenue for Q1 2025 ($137.38M vs $135.99M in Q4 2024), might indicate maturing growth or increasing competition impacting top-line expansion.
Calendar
June 2025
16
Ex-Dividend Date
June 2025
30
Next Dividend Date
July 2025
29
Next Earnings Date
H: $1.24
A: $1.21
L: $1.19
H: 168.00M
A: 165.99M
L: 163.00M
Profile
Enterprise 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 in Arizona, California, Florida, Kansas, Missouri, Nevada, and New Mexico. It provides checking, savings, money market accounts, and certificates of deposit. The company also provides commercial and industrial, commercial real estate, real estate construction and development, residential real estate, small business administration, consumer, and other loan products. In addition, it offers treasury management and international trade services; tax credit brokerage services; life insurance premium and sponsor finance; tax credit related lending; other deposit accounts, such as community associations, property management, legal industry and escrow services; treasury management product and services; customized solutions and products; cash management; fiduciary, investment management, and financial advisory services; and customer hedging products, international banking, card services, and tax credit businesses. Further, the company provides online, device applications, text, and voice banking; remote deposit capture; internet banking, mobile banking, cash management, positive pay, fraud detection and prevention, automated payables, check image, and statement and document imaging services; and controlled disbursements, repurchase agreements, and sweep investment accounts. Enterprise Financial Services Corp was founded in 1988 and is headquartered in Clayton, Missouri.
Seasonals
Price Target
65.00 USD
The 39 analysts offering 1 year price forecasts for EFSC have a max estimate of 66.00 and a min estimate of 64.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
Related Companies
Powered by LiveAIWeight: 95
Direct competitor and peer in the Midwest regional banking market, offering a similar range of commercial and wealth management services.
Weight: 90
Key rival in the Missouri and Kansas markets, operating as a strong regional bank with a comparable business model and client focus.
Weight: 88
Midwest-focused regional bank with a similar asset size and emphasis on commercial and community banking.
Weight: 87
Another Midwest regional bank with a comparable scale and diversified financial services offerings.