EFSC logo

ENTERPRISE FINANCIAL SERVICE

EFSCNASDAQ
πŸ† #1923 by market capEarnings Oct 26US Equity
$744.06β–² $50.15 (+6.74%)
Simulated price
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24hβ–² 6.7%
7dβ–² 1132.1%
14dβ–² 1078.8%
30dβ–² 1068.8%
ytdβ–² 1279.2%
1yβ–² 1173.2%
🏦Market Cap
$2.21B
Small Cap
πŸ“ˆRevenue Growth (YoY)
+53.3%
High Growth
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
22.2%
Strong
βš–οΈP/S Ratio
2.3x
Cheap
Otter Score
84
Good

Trading Snapshot

Day Range
$737.65 – $747.18
52-Week Range
$51.18 – $68.73
Volume
$2.33B
Avg Volume
$2.32B
Shares Outstanding
36.3M
Next Earnings
Dec 7, 2026

Fundamentals Snapshot

Annual Revenue
$912M
Last Q Revenue
$243M
P/E Ratio
11.6
P/S Ratio
2.3x
EPS (TTM)
$5.13
Dividend Yield
2.34%
Dilution (1yr)
βˆ’0.4%

Why Investors Own EFSC

  • βœ“High-growth profile β€” revenue up +32.9% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 54% gross margin and 21% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

EFSC logo

ENTERPRISE FINANCIAL SERVICE

EFSC
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$912Mβ–² +12.0% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
68.4%β–² +9.3% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$284Mβ–² +22.7% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$182Mβ–Ό βˆ’24.3% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
37.3Mβ–Ό βˆ’0.4% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$300Mβ–Ό βˆ’$623M YoY
StockOtter Β· stockotter.space

About ENTERPRISE FINANCIAL SERVICE

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.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Good
84/100

Analyst Price Target

β“˜
Average Target
$820.37
β–² +10.3% Upside
High Target$1,006.97
Low Target$655.92
Based on 33 analysts

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