Enterprise Financial Services/$EFSC
1D1W1MYTD1Y5YMAX
Capital at risk
About Enterprise Financial Services
Enterprise Financial Services Corporation is a financial holding company. It offers banking and wealth management services to individuals and business customers located in Arizona, California, Florida, Kansas, Missouri, Nevada, and New Mexico, in addition to loan and deposit production offices throughout the United States. The company offers a broad range of business and personal banking services including wealth management services. Its Lending services include commercial and industrial, commercial real estate, real estate construction and development, residential real estate and consumer loans.
- Ticker
- $EFSC
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 1,394
- Headquarters
- Clayton, United States
- Website
- www.enterprisebank.com
EFSC Metrics
BasicAdvanced
$2.2B
12.33
$5.03
0.81
$1.30
2.19%
Price and volume
Market cap
$2.2B
Beta
0.81
52-week high
$68.73
52-week low
$51.18
Average daily volume
208K
Dividend rate
$1.30
Financial strength
Dividend payout ratio (TTM)
27.08%
Profitability
Net profit margin (TTM)
27.36%
Operating margin (TTM)
35.16%
Effective tax rate (TTM)
30.44%
Revenue per employee (TTM)
$500,000
Management effectiveness
Return on assets (TTM)
1.14%
Return on equity (TTM)
9.60%
Valuation
Price to earnings (TTM)
12.334
Price to revenue (TTM)
3.286
Price to book
1.14
Price to tangible book (TTM)
1.47
Price to free cash flow (TTM)
11.007
Free cash flow yield (TTM)
9.09%
Free cash flow per share (TTM)
5.637
Dividend yield (TTM)
2.10%
Forward dividend yield
2.19%
Growth
Revenue change (TTM)
9.12%
Earnings per share change (TTM)
-4.35%
3-year revenue growth (CAGR)
5.85%
3-year earnings per share growth (CAGR)
-3.80%
10-year earnings per share growth (CAGR)
8.88%
3-year dividend per share growth (CAGR)
10.25%
10-year dividend per share growth (CAGR)
14.35%
Bulls say / Bears say
Loan demand remains healthy and diversified. Loans increased by nearly $200 million in Q2, with growth across commercial and industrial, CRE and specialty lending, supporting management’s aim for mid-single-digit loan growth in 2026. (Business Wire, StockAnalysis)
Core spread income is improving. Q2 net interest income rose to $168.7 million and net interest margin widened to 4.30%; the securities repositioning is expected to add about $3.5 million to annual net interest income, with deposit costs remaining stable. (Business Wire, StockAnalysis)
EFSC has strengthened its capital base while continuing shareholder returns. It issued $175 million of subordinated debt, reported an 11.5% CET1 ratio and repurchased $22.9 million of shares; analysts’ average 12-month target of about $70 also implies upside from the reported share price. (StockTitan, MarketBeat)
Credit costs jumped sharply in Q2: net charge-offs reached 46 basis points of average loans, driven mainly by two commercial accounts, while non-performing assets rose to 0.92% of total assets. Further problems in the commercial, CRE or sponsor-finance books could keep provisions above normal levels. (Business Wire, StockAnalysis)
Profitability weakened despite higher net interest income. Q2 net income fell 20% year on year to $40.9 million, as lower non-interest income, higher provisions and increased expenses outweighed the improvement in lending income. (StockTitan, StockAnalysis)
Deposit growth was flat in Q2, while management expects some pressure from higher brokered and wholesale funding costs and the new 6.25% subordinated debt. In a competitive lending market, that combination could limit further net interest margin expansion. (StockAnalysis, Business Wire)
Data summarised monthly by Lightyear AI. Last updated on 17 Sept 2026.
Upcoming events
EFSC News
AllArticlesVideos
Enterprise Financial Services Q2 Earnings Call Highlights
MarketBeat2 months ago
Enterprise Financial Services Corp Reports Second Quarter 2026 Results
Business Wire2 months ago
Enterprise Financial Services Corp Announces Second Quarter 2026 Earnings Release and Conference Call
Business Wire2 months ago
Funds containing EFSC
AllEURGBPUSD
Fund name | Fund size | $EFSC weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.08% |
iShares MSCI USA Small Cap ESG Enhanced CTB€SXRG | €2.8B | 0.04% |
iShares MSCI USA Small Cap CTB Enhanced ESG£CUS1 | £2.4B | 0.04% |
iShares MSCI World Small Cap$WSML | $9B | 0.02% |
iShares MSCI World Small Cap€IUSN | €7.8B | 0.02% |
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