
Enterprise Financial Services Corp
EFSCNASDAQFinancial ServicesBanks - Regional
Previous close
$63.67
−$0.34 · -0.53%
EFSC company overview
Regular session · ET · Market data may be delayed.
GoAI snapshot
AI-powered factor overview
GoAI score
Buy
Favorable setup — positive multi-factor alignment
Valuation
69
Undervalued
Momentum
55
Neutral
Sentiment
60
Mixed
Risk resilience
79
Moderate Risk
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Company profile
Company websiteEnterprise Financial Services Corp (EFSC) serves as the parent financial holding company for Enterprise Bank & Trust. Through this subsidiary, it delivers a comprehensive array of banking and wealth management solutions to both individual and corporate clients. The company's core deposit offerings encompass checking, savings, and money market accounts, alongside certificates of deposit. On the lending side, EFSC extends a broad portfolio of credit facilities, including commercial and industrial loans, commercial real estate financing, construction and land development loans, residential real estate mortgages, agricultural loans, and consumer credit. Beyond traditional banking, the firm provides specialized business services such as treasury management and international trade support. It also operates a unique tax credit brokerage service, assisting clients with the acquisition and subsequent sale of tax credits. For wealth management, EFSC offers financial and estate planning, investment management, and trust services, catering to businesses, private individuals, institutions, retirement plans, and non-profit organizations. Additionally, its extensive service catalog includes fiduciary duties, expert financial advisory, merchant processing solutions, and various debit and credit card options. The company further embraces modern technology, offering international banking, insurance products, and digital platforms like internet and mobile banking. Operational efficiencies are supported by remote deposit capture, positive pay systems, robust fraud detection and prevention tools, automated payable services, and comprehensive check and statement/document imaging capabilities. Complementing these, its cash management products feature controlled disbursements, repurchase agreements, and sweep investment accounts. Geographically, Enterprise Financial Services Corp maintains a physical presence with banking branches and administrative offices in key markets across Arizona, California, Kansas, Missouri, Nevada, and New Mexico. Moreover, it operates a network of specialized SBA loan production offices and deposit production offices in numerous other states. Founded in 1988, Enterprise Financial Services Corp is headquartered in Clayton, Missouri.
- Industry
- Banks - Regional
- Sector
- Financial Services
- Headquarters
- US
- CEO
- James Brian Lally
- Listed since
- Jul 15, 2003
- Employees
- 1,370
Market position
Day range
Current $63.67
52-week range
Current $63.67
- Open
- $64.09
- Previous close
- $64.01
- Volume
- 167.61K
- 0.68× average
- Average volume
- 247.05K
- Average daily volume
- Market cap
- 2.3B USD
- Beta
- 0.81
- Market reference 1
- 50-day average
- $65.4954
- -2.79% below average
- 200-day average
- $58.9775
- +7.96% above average
Financials
Financial snapshot
Latest / TTMValuation & yield
- P/E (TTM)
- 12.56×
- P/B (TTM)
- 1.14×
- P/S (TTM)
- 2.33×
- Dividend yield
- 2.04%
Profitability & efficiency
- Gross margin
- 70.67%
- Operating margin
- 27.68%
- Net margin
- 19.26%
Financial health
- Debt / equity
- 0.33×
Financial statements
Margin trends
Profitability as a percentage of reported revenue.
Income trends
Revenue
Operating income
Net income
| Metric (USD) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 912.39M USD | 814.41M USD | 743.52M USD | 533.66M USD | 421.6M USD |
| Cost of goods sold | 288.01M USD | 304.46M USD | 238.93M USD | 40.57M USD | 36.42M USD |
| Gross profit | 624.38M USD | 509.94M USD | 504.58M USD | 493.09M USD | 385.18M USD |
| Selling, general, and administrative | 156.74M USD | 195.87M USD | 177.73M USD | 154.13M USD | 130.69M USD |
| Operating expenses | 340.66M USD | 278.7M USD | 258.06M USD | 233.63M USD | 216.55M USD |
| Interest income | 887.88M USD | 849.24M USD | 763.51M USD | 515.08M USD | 383.23M USD |
| Interest expense | 261.67M USD | 282.96M USD | 202.33M USD | 41.18M USD | 23.04M USD |
| Depreciation and amortization | 7.76M USD | 10.07M USD | 11.34M USD | 14.01M USD | 14.15M USD |
| Operating income | 283.72M USD | 231.24M USD | 246.53M USD | 259.46M USD | 168.63M USD |
| Net income | 201.37M USD | 185.27M USD | 194.06M USD | 203.04M USD | 133.06M USD |
Company facts updated Aug 24, 2026.
Earnings
- EPS beat rate
- 73%
- 8 beats, 3 misses, 0 met estimates
- Average EPS surprise
- +4.02%
- 11 comparable reports
- Latest EPS result
- 1.13
- Estimate 1.33 · Miss by 15.04%
EPS: actual versus estimate
Recent quarterly results
Revenue: actual versus estimate
Recent quarterly results
Analyst ratings
Third-party consensus; not a GoAI recommendation.
Analyst price target
Average target
$70.00
9.94% upsideRating distribution
9 ratingsEFSC news
EFSC peers
ETFs holding EFSC
Funds reporting this stock among their holdings, ordered by reported position size.
Vanguard Morningstar Total Stock Market ETFVTI73.97M0.00%2.3T USD0.03%$378.24+0.44%
Avantis U.S. Small Cap Value ETFAVUV69.39M0.22%31.27B USD0.25%$126.45+0.66%
iShares Russell 2000 ETFIWM61.54M0.08%81.62B USD0.19%$299.96+0.77%
First Trust SMID Cap Rising Dividend Achievers ETFSDVY49.5M0.43%11.64B USD0.58%$43.87+0.46%
Vanguard Extended Market ETFVXF27.86M0.03%93.7B USD0.05%$245.53+0.82%
iShares Russell 2000 Value ETFIWN22.71M0.16%14.66B USD0.24%$224.81+0.45%
State Street SPDR S&P Regional Banking ETFKRE21.5M0.53%4.06B USD0.35%$74.86+0.20%
State Street SPDR S&P Bank ETFKBE16.16M0.95%1.7B USD0.35%$68.74+0.17%
Vanguard Morningstar Total Stock Market ETFVTI- Market value
- 73.97M
- Weight
- 0.00%
- AUM
- 2.3T USD
- Expense ratio
- 0.03%
- Price / 1D
- $378.24+0.44%
Avantis U.S. Small Cap Value ETFAVUV- Market value
- 69.39M
- Weight
- 0.22%
- AUM
- 31.27B USD
- Expense ratio
- 0.25%
- Price / 1D
- $126.45+0.66%
iShares Russell 2000 ETFIWM- Market value
- 61.54M
- Weight
- 0.08%
- AUM
- 81.62B USD
- Expense ratio
- 0.19%
- Price / 1D
- $299.96+0.77%
First Trust SMID Cap Rising Dividend Achievers ETFSDVY- Market value
- 49.5M
- Weight
- 0.43%
- AUM
- 11.64B USD
- Expense ratio
- 0.58%
- Price / 1D
- $43.87+0.46%
Vanguard Extended Market ETFVXF- Market value
- 27.86M
- Weight
- 0.03%
- AUM
- 93.7B USD
- Expense ratio
- 0.05%
- Price / 1D
- $245.53+0.82%
iShares Russell 2000 Value ETFIWN- Market value
- 22.71M
- Weight
- 0.16%
- AUM
- 14.66B USD
- Expense ratio
- 0.24%
- Price / 1D
- $224.81+0.45%
State Street SPDR S&P Regional Banking ETFKRE- Market value
- 21.5M
- Weight
- 0.53%
- AUM
- 4.06B USD
- Expense ratio
- 0.35%
- Price / 1D
- $74.86+0.20%
State Street SPDR S&P Bank ETFKBE- Market value
- 16.16M
- Weight
- 0.95%
- AUM
- 1.7B USD
- Expense ratio
- 0.35%
- Price / 1D
- $68.74+0.17%
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