Enterprise Financial Services (EFSC) Competitors

Enterprise Financial Services (NASDAQ:EFSC) and UMB Financial (NASDAQ:UMBF) are both mid-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their profitability, dividends, analyst recommendations, earnings, risk, valuation, institutional ownership and media sentiment.

Is EFSC or UMBF a better dividend stock?

Enterprise Financial Services pays an annual dividend of $1.20 per share and has a dividend yield of 2.1%. UMB Financial pays an annual dividend of $1.60 per share and has a dividend yield of 1.4%. Enterprise Financial Services pays out 23.5% of its earnings in the form of a dividend. UMB Financial pays out 20.1% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Enterprise Financial Services has raised its dividend for 11 consecutive years and UMB Financial has raised its dividend for 32 consecutive years.

Do analysts rate EFSC or UMBF?

Enterprise Financial Services currently has a consensus target price of $64.33, suggesting a potential upside of 12.02%. UMB Financial has a consensus target price of $122.88, suggesting a potential upside of 10.55%. Given Enterprise Financial Services' stronger consensus rating and higher probable upside, research analysts plainly believe Enterprise Financial Services is more favorable than UMB Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Enterprise Financial Services	0 Sell rating(s)	0 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	3.00
UMB Financial	0 Sell rating(s)	3 Hold rating(s)	4 Buy rating(s)	1 Strong Buy rating(s)	2.75

Which has more volatility and risk, EFSC or UMBF?

Enterprise Financial Services has a beta of 0.86, suggesting that its share price is 14% less volatile than the S&P 500. Comparatively, UMB Financial has a beta of 0.74, suggesting that its share price is 26% less volatile than the S&P 500.

Do insiders and institutionals hold more shares of EFSC or UMBF?

72.2% of Enterprise Financial Services shares are held by institutional investors. Comparatively, 87.8% of UMB Financial shares are held by institutional investors. 2.3% of Enterprise Financial Services shares are held by company insiders. Comparatively, 5.5% of UMB Financial shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Does the media refer more to EFSC or UMBF?

In the previous week, Enterprise Financial Services had 9 more articles in the media than UMB Financial. MarketBeat recorded 16 mentions for Enterprise Financial Services and 7 mentions for UMB Financial. UMB Financial's average media sentiment score of 1.47 beat Enterprise Financial Services' score of 0.30 indicating that UMB Financial is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Enterprise Financial Services	6 Very Positive mention(s)	2 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	1 Very Negative mention(s)	Neutral
UMB Financial	5 Very Positive mention(s)	1 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Is EFSC or UMBF more profitable?

Enterprise Financial Services has a net margin of 20.92% compared to UMB Financial's net margin of 13.64%. UMB Financial's return on equity of 12.09% beat Enterprise Financial Services' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Enterprise Financial Services	20.92%	11.14%	1.28%
UMB Financial	13.64%	12.09%	0.96%

Which has better earnings & valuation, EFSC or UMBF?

UMB Financial has higher revenue and earnings than Enterprise Financial Services. Enterprise Financial Services is trading at a lower price-to-earnings ratio than UMB Financial, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Enterprise Financial Services	$920.75M	2.30	$185.27M	$5.10	11.26
UMB Financial	$2.80B	3.01	$441.24M	$7.95	13.98

Summary

UMB Financial beats Enterprise Financial Services on 13 of the 20 factors compared between the two stocks.