Skip to content
Company Analysis

Enterprise Financial Services C EFSC

A comprehensive view of key metrics, scores, and financial health for Enterprise Financial Services C

Overview of Enterprise Financial Services Corp

EFSC NMS
Financial Services Banks - Regional Small Cap
Enterprise Financial Services Corp (EFSC), is a Small Cap company, in the Banks - Regional industry, last closed at $53.33, about 0.5% overvalued vs fair value, -5.9% 1Y return, placing in the top 25% of its sector.
$53.33
-1.06%
As of March 13, 2026
Previous close • Vol 90d: 25.4%
52-Week Range
Market Cap
$1.97B
Enterprise Value
$2.43B
Overall Score
Scores locked

Create a free account to see overall and pillar scores for Enterprise Financial Services C.

Top Beats

Quick Facts

Website https://www.enterprisebank.com
HQ Clayton, MO
Fiscal year Dec 31

Next Events

Dividend Mar 31
Earnings Apr 27 Estimated

Fair Value Snapshot

Bear Base Bull
$29
$53
$99
Current: $53.33 -1% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$849.2M
11.2%%
Interest Expense
$261.7M
Net Interest Income
$566.3M
0.9%%
Total Revenue
$912.4M
71.7%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
10.4%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium

Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$115.6M
63.7% of Net Income

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
2
Active Leaks
0/2
Improving
1
High Impact
0
Critical
Locked Leak
Upgrade to view details
Premium
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Enterprise Financial Services C's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
73
/100
Moderate
Scores based on quantitative metrics and qualitative factors

Upgrade to unlock interactive defense details

Premium access

Unlock full defense analysis

Get key signals, strengths, and risks for every moat dimension.

Upgrade to Premium Unlock all moat defenses and evidence.

Deposit Franchise

Moderate
72
Premium
Unlock full defense details

See key signals plus strengths and risks for this moat dimension.

Upgrade for full defense analysis Premium-only evidence and insights.
For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing EFSC's balance between Growth (33.1%), Profitability (33.8%), and Safety (33.1%). Growth 33% Safety 33% Profitability 34%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
Upgrade to unlock the full 3-year trend analysis and deltas.

Growth

70th percentile vs peers
71
Key Signals
Rev Growth YoY 71.7% 65p Asset Growth YoY 10.9% 80p Revenue CAGR 3Y 22.8% 67p
Strengths
  • Asset Growth Yoy in top 20% of peers (10.9%, 80th percentile)
  • Superior capital returns - 2 return metrics above peer median
  • Growth above peer median with strong metric coverage (72%)
Risks

No significant risks identified for this axis.

Profitability

72th percentile vs peers
72
Key Signals
Strengths
Risks
Premium
Unlock full Profitability drilldowns

See the signal-level drivers and insights behind this axis. Upgrade to reveal the full Trade-Off Ledger.

Upgrade Now

Safety

70th percentile vs peers
71
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Enterprise Financial Services C.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
X.X%
X%XX%
X.X%
-XX%XX%
XX.X%
-XX%XX%
Adjust the sliders above to explore different valuation scenarios.
Unlock Premium
Reveal the full Scenario Theatre
See live sliders, narratives, and full Bear/Base/Bull outcomes.
Upgrade Now
Bear
-
- - -
- upside
-
Base
$53.07
- - -
-0.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
Actions & Info