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: $60.40 to $61.27
• 50-Day Range: $53.81 to $61.68
• 52-Week Range: $45.22 to $63.13
• Volume: 201,094 shs
• Average Volume: 139,522 shs
• Market Capitalization: $2.24 billion
• P/E Ratio: 11.49
• Dividend Yield: 2.05%
• Price Target: $64.33
• Consensus Rating: Buy

Enterprise Financial Services Stock Analysis - MarketRank™

Enterprise Financial Services scored higher than 85% of companies evaluated by MarketBeat, and ranked 260th out of 956 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: 2.0 / 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.

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 received no research coverage 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 11.49, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 281.18.

Price to Earnings Ratio vs. Sector

The P/E ratio of Enterprise Financial Services is 11.49, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 244.87.

Price to Book Value per Share Ratio

Enterprise Financial Services has a P/B Ratio of 1.28. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

2.15% 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 4.5.

Change versus previous month

Short interest in Enterprise Financial Services has recently increased by 11.77%, 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 1.96%, 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 23.62% 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

2.15% 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 4.5.

Change versus previous month

Short interest in Enterprise Financial Services has recently increased by 11.77%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 3.0 / 5
• News Sentiment: 1.35

News Sentiment

Enterprise Financial Services has a news sentiment score of 1.35. 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 1.07 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 7 news articles for Enterprise Financial Services this week, compared to 5 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 136.46% more of their company's stock than they have bought. Specifically, they have bought $81,165.00 in company stock and sold $191,924.00 in company stock.

Percentage Held by Insiders

Only 2.30% 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 stock has increased by 7.3% and is now trading at $60.53.

How were Enterprise Financial Services' earnings last quarter?

Enterprise Financial Services Corporation (NASDAQ:EFSC) released its quarterly earnings results on Monday, July, 28th. The bank reported $1.37 earnings per share (EPS) for the quarter, beating analysts' consensus estimates of $1.20 by $0.17. The bank had revenue of $176.05 million for the quarter, compared to analysts' expectations of $166.82 million. Enterprise Financial Services had a net margin of 21.28% and a trailing twelve-month return on equity of 11.19%.
Read the conference call transcript.

Who are Enterprise Financial Services' major shareholders?

Enterprise Financial Services' top institutional investors include First Trust Advisors LP (3.85%), Geode Capital Management LLC (2.53%), American Century Companies Inc. (2.46%) and William Blair Investment Management LLC (1.66%). Insiders that own company stock include James Brian Lally, Stephen P Marsh, Richard Sanborn, James M Havel, Robert E Guest Jr, Michael E Finn and Lyne Andrich.
View institutional ownership trends.

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

• Record date for 6/30 Dividend: 6/16/2025
• Ex-Dividend for 6/30 Dividend: 6/16/2025
• Dividend Payable: 6/30/2025
• Last Earnings: 7/28/2025
• Today: 9/15/2025
• Record date for 9/30 Dividend: 9/15/2025
• Ex-Dividend for 9/30 Dividend: 9/15/2025
• Dividend Payable: 9/30/2025
• Next Earnings (Estimated): 10/20/2025
• 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 Price Target for Enterprise Financial Services: $64.33
• High Price Target: $66.00
• Low Price Target: $62.00
• Potential Upside/Downside: +6.3%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $5.27
• Trailing P/E Ratio: 11.49
• Forward P/E Ratio: 12.18
• P/E Growth: N/A
• Net Income: $185.27 million
• Net Margins: 21.28%
• Pretax Margin: 26.35%
• Return on Equity: 11.19%
• Return on Assets: 1.29%

Debt

• Debt-to-Equity Ratio: 0.36
• Current Ratio: 0.88
• Quick Ratio: 0.88

Sales & Book Value

• Annual Sales: $552.16 million
• Price / Sales: 4.05
• Cash Flow: $5.42 per share
• Price / Cash Flow: 11.17
• Book Value: $47.19 per share
• Price / Book: 1.28

Miscellaneous

• Outstanding Shares: 36,988,000
• Free Float: 36,174,000
• Market Cap: $2.24 billion
• Optionable: Optionable
• Beta: 0.92