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

Company Overview

Enterprise Financial Services Corp. is a bank holding company based in Clayton, Missouri, and the parent of Enterprise Bank & Trust. The company provides a broad range of commercial and consumer banking services, including deposit products, lending, trust and wealth management, annuities, mortgage banking and treasury management solutions. Through its subsidiary, it serves small to middle-market businesses, professionals and individuals seeking personalized financial support.

Enterprise Bank & Trust specializes in tailored commercial lending, offering equipment financing, commercial real estate loans, lines of credit and term loans designed to help businesses manage growth, acquisitions and working capital needs. On the consumer side, it provides savings and checking accounts, home equity lines of credit, personal loans and residential mortgage options. Its trust and wealth management division offers fiduciary services, estate planning, investment advisory and retirement plan administration to high-net-worth clients and nonprofit organizations.

With a strategic branch network across Missouri, Arkansas, Kansas, Tennessee and Texas, the company has cultivated strong ties to its regional markets. It leverages local decision-making and relationship-focused banking to compete with larger national institutions, positioning itself as a community-oriented partner for commercial enterprises and individual clients alike. Its digital and mobile banking platforms complement its physical presence, ensuring customers have access to robust online tools and support.

Founded in 1993 by a group of St. Louis business leaders, Enterprise Bank & Trust has expanded through organic growth and selective acquisitions. The company’s executive leadership team brings decades of experience in commercial banking, wealth management and regulatory compliance. Guided by its president and chief executive officer, the management group emphasizes risk management, customer service excellence and strategic investment in technology to drive sustainable growth.

Key Stats

• Today's Range: $56.66 to $57.70
• 50-Day Range: $51.61 to $57.34
• 52-Week Range: $38.91 to $63.13
• Volume: 140,133 shs
• Average Volume: 186,588 shs
• Market Capitalization: $2.11 billion
• P/E Ratio: 11.18
• Dividend Yield: 2.10%
• Price Target: $64.33
• Consensus Rating: Buy

Enterprise Financial Services Stock Analysis - MarketRank™

Enterprise Financial Services scored higher than 95% of companies evaluated by MarketBeat, and ranked 71st out of 901 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: 2.5 / 5
• Analyst Rating: Buy

Consensus Rating

Enterprise Financial Services has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 3 buy ratings, no hold ratings, and no sell ratings.

Amount of Analyst Coverage

Enterprise Financial Services has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 5.63%

Earnings Growth

Earnings for Enterprise Financial Services are expected to grow by 5.63% in the coming year, from $4.97 to $5.25 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Enterprise Financial Services is 11.18, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.69.

Price to Earnings Ratio vs. Sector

The P/E ratio of Enterprise Financial Services is 11.18, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.95.

Price to Book Value per Share Ratio

Enterprise Financial Services has a P/B Ratio of 1.21. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.88% 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 3.6, 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 decreased by 3.50%, indicating that investor sentiment is improving.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

Enterprise Financial Services pays a meaningful dividend of 2.09%, 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 23.53%. 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 22.86% next year. This indicates that Enterprise Financial Services will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 2.5 / 5
• Environmental Score: -0.64

Percentage of Shares Shorted

1.88% 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 3.6, 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 decreased by 3.50%, indicating that investor sentiment is improving.

News and Social Media

• Score: 1.7 / 5
• News Sentiment: 0.03

News Sentiment

Enterprise Financial Services has a news sentiment score of 0.03. 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 lower news sentiment than the 0.74 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 6 news articles for Enterprise Financial Services this week, compared to 4 articles on an average week.

Company Ownership

• Score: 3.3 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Enterprise Financial Services insiders have sold 500.21% more of their company's stock than they have bought. Specifically, they have bought $78,750.00 in company stock and sold $472,667.00 in company stock.

Percentage Held by Insiders

Only 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.

EFSC Stock Analysis - Frequently Asked Questions

How have EFSC shares performed this year?

Enterprise Financial Services' stock was trading at $56.40 on January 1st, 2025. Since then, EFSC shares have increased by 1.1% and is now trading at $57.01.

How were Enterprise Financial Services' earnings last quarter?

Enterprise Financial Services Corporation (NASDAQ:EFSC) announced its quarterly earnings data on Monday, April, 28th. The bank reported $1.31 EPS for the quarter, topping analysts' consensus estimates of $1.17 by $0.14. The bank earned $18.48 million during the quarter, compared to the consensus estimate of $162.83 million. Enterprise Financial Services had a net margin of 20.92% and a trailing twelve-month return on equity of 11.14%.
Read the conference call transcript.

How do I buy shares of Enterprise Financial Services?

Shares of EFSC stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Enterprise Financial Services own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Enterprise Financial Services investors own include American Water Works (AWK), Waste Connections (WCN), AU Optronics (AUOTY), DiamondRock Hospitality (DRH), The RMR Group (RMR), Triple Flag Precious Metals (TFPM) and Voyager Therapeutics (VYGR).

Company Calendar

• Last Earnings: 4/28/2025
• Record date for 6/30 Dividend: 6/16/2025
• Ex-Dividend for 6/30 Dividend: 6/16/2025
• Dividend Payable: 6/30/2025
• Today: 7/07/2025
• Next Earnings (Estimated): 7/28/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - MIDWEST
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:EFSC
• CIK: 1025835
• Web: www.enterprisebank.com
• Phone: (314) 725-5500
• Fax: 314-812-4025
• Employees: 1,256
• Year Founded: 1988

Price Target and Rating

• Average Stock Price Target: $64.33
• High Stock Price Target: $66.00
• Low Stock Price Target: $62.00
• Potential Upside/Downside: +12.8%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $5.10
• Trailing P/E Ratio: 11.18
• Forward P/E Ratio: 11.47
• P/E Growth: N/A
• Net Income: $185.27 million
• Net Margins: 20.92%
• Pretax Margin: 25.95%
• Return on Equity: 11.14%
• Return on Assets: 1.28%

Debt

• Debt-to-Equity Ratio: 0.34
• Current Ratio: 0.89
• Quick Ratio: 0.89

Sales & Book Value

• Annual Sales: $920.75 million
• Price / Sales: 2.29
• Cash Flow: $5.39 per share
• Price / Cash Flow: 10.58
• Book Value: $47.19 per share
• Price / Book: 1.21

Miscellaneous

• Outstanding Shares: 36,930,000
• Free Float: 36,120,000
• Market Cap: $2.11 billion
• Optionable: Optionable
• Beta: 0.86