Enterprise Financial Services (EFSC) Stock Price, News & Analysis

Company Overview

Enterprise Financial Services Corp. (NASDAQ: EFSC) is a bank holding company headquartered in Clayton, Missouri, operating through its primary subsidiary, Enterprise Bank & Trust. The company provides a comprehensive range of banking and financial services to individuals, small- and mid-sized businesses, and institutional clients. Its capabilities encompass deposit products, lending solutions, mortgage banking, and treasury management, supported by a full suite of digital banking tools and personalized client service.

In its commercial banking segment, Enterprise Bank & Trust offers lines of credit, equipment financing, commercial real estate loans, construction lending and agriculture lending. The consumer banking division provides personal checking and savings accounts, home equity lines of credit, and residential mortgage loans. Through its mortgage banking arm, the company originates, sells and services one- to four-family residential mortgages, while its wealth management division delivers fiduciary and trust services, investment advisory, retirement plan administration and brokerage services.

Enterprise Bank & Trust was founded in 1992, and Enterprise Financial Services Corp. was established as its bank holding company to facilitate strategic growth and acquisition opportunities. Since its inception, the organization has pursued an expansion strategy focused on underserved metropolitan markets, leveraging a relationship-driven approach and local decision-making authority. The leadership team is composed of seasoned banking professionals with deep expertise in community and commercial finance.

Today, Enterprise operates branch and loan production offices across key markets in Missouri, Kansas, Tennessee, Florida, Arkansas and Texas. The company emphasizes a client-first philosophy, aiming to differentiate through tailored financial solutions and a collaborative advisory model. By combining regional market knowledge with a broad product platform, Enterprise Financial Services seeks to foster long-term relationships and support the evolving needs of its diverse customer base.

Key Stats

• Today's Range: $64.05 to $64.74
• 50-Day Range: $61.97 to $68.52
• 52-Week Range: $51.18 to $68.73
• Volume: 9,190 shs
• Average Volume: 240,281 shs
• Market Capitalization: $2.33 billion
• P/E Ratio: 12.80
• Dividend Yield: 2.11%
• Price Target: $70.00
• Consensus Rating: Moderate Buy

Enterprise Financial Services Stock Analysis - MarketRank™

Enterprise Financial Services scored higher than 88% of companies evaluated by MarketBeat, and ranked 197th out of 843 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.9 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Enterprise Financial Services has received a consensus rating of Moderate Buy. The company's average rating score is 2.80, and is based on no strong buy ratings, 4 buy ratings, 1 hold rating, and no sell ratings.

Upside/Downside

The consensus price target for Enterprise Financial Services is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

Enterprise Financial Services has only been the subject of 4 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 11.30%

Earnings Growth

Earnings for Enterprise Financial Services are expected to grow by 11.30% in the coming year, from $5.31 to $5.91 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Enterprise Financial Services is 12.73, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 39.51.

Price to Earnings Ratio vs. Sector

The P/E ratio of Enterprise Financial Services is 12.73, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 29.49.

Price to Book Value per Share Ratio

Enterprise Financial Services has a P/B Ratio of 1.18. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.97% of the float of Enterprise Financial Services has been sold short.

Short Interest Ratio / Days to Cover

Enterprise Financial Services has a short interest ratio ("days to cover") of 3.97, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Enterprise Financial Services has recently increased by 5.84%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

Enterprise Financial Services pays a meaningful dividend of 2.14%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Enterprise Financial Services has been increasing its dividend for 11 years.

Dividend Coverage

The dividend payout ratio of Enterprise Financial Services is 27.04%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Enterprise Financial Services will have a dividend payout ratio of 23.01% next year. This indicates that Enterprise Financial Services will be able to sustain or increase its dividend.

News and Social Media

• Score: 3.3 / 5
• News Sentiment: 1.25

News Sentiment

Enterprise Financial Services has a news sentiment score of 1.25. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.82 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for Enterprise Financial Services this week, compared to 3 articles on an average week.

MarketBeat Follows

1 people have added Enterprise Financial Services to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 0.8 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Enterprise Financial Services insiders have not sold or bought any company stock.

Percentage Held by Insiders

2.20% of the stock of Enterprise Financial Services is held by insiders.

Percentage Held by Institutions

72.21% of the stock of Enterprise Financial Services is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

Company Calendar

• Record date for 6/30 Dividend: 6/15/2026
• Ex-Dividend for 6/30 Dividend: 6/15/2026
• Dividend Payable: 6/30/2026
• Last Earnings: 7/22/2026
• Today: 8/21/2026
• Record date for 9/30 Dividend: 9/15/2026
• Ex-Dividend for 9/30 Dividend: 9/15/2026
• Dividend Payable: 9/30/2026
• Next Earnings (Estimated): 10/26/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:EFSC
• CIK: 1025835
• Web: www.enterprisebank.com
• Phone: (314) 725-5500
• Fax: 314-812-4025
• Employees: 1,418
• Year Founded: 1988

Price Target and Rating

• Average Price Target for Enterprise Financial Services: $70.00
• High Price Target: $72.00
• Low Price Target: $68.00
• Potential Upside/Downside: +8.9%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.80
• Research Coverage: 5 Analysts

Profitability

• EPS (Trailing Twelve Months): $5.03
• Trailing P/E Ratio: 12.78
• Forward P/E Ratio: 12.11
• P/E Growth: N/A
• Net Income: $201.37 million
• Net Margins: 18.72%
• Pretax Margin: 26.91%
• Return on Equity: 9.70%
• Return on Assets: 1.11%

Debt

• Debt-to-Equity Ratio: 0.35
• Current Ratio: 0.85
• Quick Ratio: 0.85

Sales & Book Value

• Annual Sales: $1.00 billion
• Price / Sales: 2.32
• Cash Flow: $5.85 per share
• Price / Cash Flow: 10.99
• Book Value: $54.40 per share
• Price / Book: 1.18

Miscellaneous

• Outstanding Shares: 36,190,000
• Free Float: 35,397,000
• Market Cap: $2.33 billion
• Optionable: Optionable
• Beta: 0.79