Enterprise Financial Services Corp logo

Enterprise Financial Services Corp

EFSC

NASDAQFinancial ServicesBanks - Regional

Previous close

$63.67

−$0.34 · -0.53%

Aug 21, 4:00 PM ET

EFSC company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

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 website

Enterprise 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 / TTM

Valuation & 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.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends99%71%43%15%Gross margin, FY2021: 91.36%Gross margin, FY2022: 92.40%Gross margin, FY2023: 67.86%Gross margin, FY2024: 62.62%Gross margin, FY2025: 68.43%Operating margin, FY2021: 40.00%Operating margin, FY2022: 48.62%Operating margin, FY2023: 33.16%Operating margin, FY2024: 28.39%Operating margin, FY2025: 31.10%Net margin, FY2021: 31.56%Net margin, FY2022: 38.05%Net margin, FY2023: 26.10%Net margin, FY2024: 22.75%Net margin, FY2025: 22.07%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 91.36%. Gross margin FY2022 92.40%. Gross margin FY2023 67.86%. Gross margin FY2024 62.62%. Gross margin FY2025 68.43%. Operating margin FY2021 40.00%. Operating margin FY2022 48.62%. Operating margin FY2023 33.16%. Operating margin FY2024 28.39%. Operating margin FY2025 31.10%. Net margin FY2021 31.56%. Net margin FY2022 38.05%. Net margin FY2023 26.10%. Net margin FY2024 22.75%. Net margin FY2025 22.07%.

Income trends

Revenue

912.39M USD+12.03%

Operating income

283.72M USD+22.69%

Net income

201.37M USD+8.69%
Income trends across reported periods990.32M USD678.59M USD366.85M USD55.12M USDRevenue, FY2021: 421.6M USDRevenue, FY2022: 533.66M USDRevenue, FY2023: 743.52M USDRevenue, FY2024: 814.41M USDRevenue, FY2025: 912.39M USDOperating income, FY2021: 168.63M USDOperating income, FY2022: 259.46M USDOperating income, FY2023: 246.53M USDOperating income, FY2024: 231.24M USDOperating income, FY2025: 283.72M USDNet income, FY2021: 133.06M USDNet income, FY2022: 203.04M USDNet income, FY2023: 194.06M USDNet income, FY2024: 185.27M USDNet income, FY2025: 201.37M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 421.6M USD. Revenue FY2022 533.66M USD. Revenue FY2023 743.52M USD. Revenue FY2024 814.41M USD. Revenue FY2025 912.39M USD. Operating income FY2021 168.63M USD. Operating income FY2022 259.46M USD. Operating income FY2023 246.53M USD. Operating income FY2024 231.24M USD. Operating income FY2025 283.72M USD. Net income FY2021 133.06M USD. Net income FY2022 203.04M USD. Net income FY2023 194.06M USD. Net income FY2024 185.27M USD. Net income FY2025 201.37M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue912.39M USD814.41M USD743.52M USD533.66M USD421.6M USD
Cost of goods sold288.01M USD304.46M USD238.93M USD40.57M USD36.42M USD
Gross profit624.38M USD509.94M USD504.58M USD493.09M USD385.18M USD
Selling, general, and administrative156.74M USD195.87M USD177.73M USD154.13M USD130.69M USD
Operating expenses340.66M USD278.7M USD258.06M USD233.63M USD216.55M USD
Interest income887.88M USD849.24M USD763.51M USD515.08M USD383.23M USD
Interest expense261.67M USD282.96M USD202.33M USD41.18M USD23.04M USD
Depreciation and amortization7.76M USD10.07M USD11.34M USD14.01M USD14.15M USD
Operating income283.72M USD231.24M USD246.53M USD259.46M USD168.63M USD
Net income201.37M USD185.27M USD194.06M USD203.04M USD133.06M 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

ActualEstimate
Quarterly EPS actual values compared with estimates1.461.331.21.07Q1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25MissQ1 '26BeatQ2 '26BeatQ3 '26MissQ4 '26Estimate
Q1 2025, reported Jan 27, 2025: actual 1.32, estimate 1.18, surprise +11.86%, Beat. Q2 2025, reported Apr 28, 2025: actual 1.31, estimate 1.17, surprise +11.97%, Beat. Q3 2025, reported Jul 28, 2025: actual 1.37, estimate 1.21, surprise +13.22%, Beat. Q4 2025, reported Oct 27, 2025: actual 1.2, estimate 1.29, surprise -6.98%, Miss. Q1 2026, reported Jan 26, 2026: actual 1.36, estimate 1.33, surprise +2.26%, Beat. Q2 2026, reported Apr 22, 2026: actual 1.31, estimate 1.3, surprise +0.77%, Beat. Q3 2026, reported Jul 22, 2026: actual 1.13, estimate 1.33, surprise -15.04%, Miss. Q4 2026, reported Oct 26, 2026: actual —, estimate 1.4, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates202.28M177.59M152.9M128.21MQ1 '25MissQ2 '25MissQ3 '25MissQ4 '25MissQ1 '26BeatQ2 '26BeatQ3 '26MissQ4 '26Estimate
Q1 2025, reported Jan 27, 2025: actual 135.99M USD, estimate 160.44M USD, surprise -15.24%, Miss. Q2 2025, reported Apr 28, 2025: actual 137.38M USD, estimate 162.83M USD, surprise -15.63%, Miss. Q3 2025, reported Jul 28, 2025: actual 143.15M USD, estimate 169M USD, surprise -15.30%, Miss. Q4 2025, reported Oct 27, 2025: actual 176.6M USD, estimate 181.19M USD, surprise -2.53%, Miss. Q1 2026, reported Jan 26, 2026: actual 190.95M USD, estimate 188.56M USD, surprise +1.27%, Beat. Q2 2026, reported Apr 22, 2026: actual 188.85M USD, estimate 169.69M USD, surprise +11.29%, Beat. Q3 2026, reported Jul 22, 2026: actual 187.37M USD, estimate 189.15M USD, surprise -0.94%, Miss. Q4 2026, reported Oct 26, 2026: actual —, estimate 194.5M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$70.00

9.94% upside
Past 12 months12-month forecastHigh $72.00Average $70.00Low $68.00

Rating distribution

9 ratings
Strong buy00%
Buy889%
Hold111%
Sell00%
Strong sell00%

EFSC news

EFSC peers

ETFs holding EFSC

Funds reporting this stock among their holdings, ordered by reported position size.

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