A Business at a Glance
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ENTERPRISE FINANCIAL SERVICES CORP
EFSC
$2.5B
Mkt Cap
$65.99
+1.46%
ENTERPRISE FINANCIAL SERVICES CORP (EFSC) has a current P/E ratio of 12.4, compared to its historical median P/E of 11.3. The stock is currently considered Fair based on its historical valuation range.
ENTERPRISE FINANCIAL SERVICES CORP (EFSC) has a 5-year average return on invested capital (ROIC) of 11.0%. This indicates solid capital allocation.
ENTERPRISE FINANCIAL SERVICES CORP (EFSC) has a market capitalization of $2.4B. It is classified as a mid-cap stock.
Yes, ENTERPRISE FINANCIAL SERVICES CORP (EFSC) pays a dividend with a trailing twelve-month yield of 1.93%. The company also returns capital through share buybacks, with a buyback yield of 1.27%.
Based on historical P/E analysis, ENTERPRISE FINANCIAL SERVICES CORP (EFSC) appears fair. The current P/E of 12.4 is 10% above its historical median of 11.3. The estimated fair value CAGR (P/E method) is 8.7%.
ENTERPRISE FINANCIAL SERVICES CORP (EFSC) operates in the State Commercial Banks industry, within the Financials sector.
Forward-Looking Information Some of the information in this Annual Report on Form 10-K may contain “forward-looking statements” within the meaning of and intended to be covered by the safe harbor provisions of the Private Securities Litigation Reform Act of 1995, and by Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Such forward-looking statements are based on management’s current expectations and beliefs concerning future developments and their potential effects on the Company, and include, without limitation, statements about the Company’s plans, strategies, goals, objectives, expectations, or consequences of statements about the future performance, operations, products and services of the Company, as well as statements about the Company’s expectations regarding revenue and asset growth, financial performance and profitability, loan and deposit growth, yields and returns, loan diversification and credit manag
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 759M | 1.0B | 921M | 834M | 574M | 451M |
| Net Income | 197M | 198M | 182M | 190M | 199M | 133M |
| EPS | $5.34 | $5.31 | $4.83 | $5.07 | $5.31 | $3.86 |
| Free Cash Flow | 203M | 182M | 240M | 262M | 215M | 158M |
| ROIC | 0.0% | 10.1% | 10.3% | 11.8% | 13.0% | 10.0% |
| Gross Margin | - | 73.3% | 68.9% | 71.3% | 92.7% | 91.9% |
| Debt/Equity | 0.00 | 0.03 | 0.00 | 0.00 | 0.00 | 0.00 |
| Dividends/Share | $1.27 | $1.22 | $1.06 | $1.00 | $0.90 | $0.75 |
| Operating Income | 0 | 284M | 231M | 247M | 259M | 169M |
| Operating Margin | 0.0% | 28.3% | 25.1% | 29.6% | 45.2% | 37.4% |
| ROE | 9.7% | 10.2% | 10.3% | 11.8% | 13.0% | 10.2% |
| Shares Outstanding | 37M | 37M | 38M | 38M | 37M | 34M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 148M | 153M | 178M | 237M | 276M | 354M | 359M | 451M | 574M | 834M | 921M | 1.0B | 759M |
| Gross Margin | 86.6% | 91.6% | 90.3% | 85.1% | 81.0% | 79.5% | 72.1% | 91.9% | 92.7% | 71.3% | 68.9% | 73.3% | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 47M | 46M | 50M | 61M | 66M | 81M | 92M | 125M | 147M | 165M | 183M | 199M | 206M |
| EBIT | 5.1M | 5.4M | 6.0M | 7.1M | 8.8M | 116M | 92M | 169M | 259M | 247M | 231M | 284M | 0 |
| Op. Margin | 3.4% | 3.5% | 3.4% | 3.0% | 3.2% | 32.7% | 25.6% | 37.4% | 45.2% | 29.6% | 25.1% | 28.3% | 0.0% |
| Net Income | 27M | 38M | 49M | 48M | 89M | 93M | 74M | 133M | 199M | 190M | 182M | 198M | 197M |
| Net Margin | 18.3% | 25.1% | 27.4% | 20.3% | 32.3% | 26.2% | 20.7% | 29.5% | 34.7% | 22.8% | 19.7% | 19.7% | 26.0% |
| Non-Recurring | 696K | 82K | 1K | 0 | 0 | -49K | 0 | 3.4M | 54K | 46K | 0 | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | 9.1% | 11.5% | 12.4% | 9.8% | 15.5% | 12.6% | 7.4% | 10.0% | 13.0% | 11.8% | 10.3% | 10.1% | 0.0% |
| ROE | 9.1% | 11.5% | 13.2% | 10.3% | 15.5% | 12.6% | 7.6% | 10.2% | 13.0% | 11.8% | 10.3% | 10.2% | 9.7% |
| ROA | 0.8% | 1.1% | 1.3% | 1.0% | 1.6% | 1.4% | 0.9% | 1.1% | 1.5% | 1.4% | 1.2% | 1.2% | 1.1% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 31M | 47M | 83M | 46M | 109M | 92M | 136M | 161M | 217M | 268M | 247M | 194M | 212M |
| Free Cash Flow | 30M | 45M | 80M | 43M | 106M | 86M | 133M | 158M | 215M | 262M | 240M | 182M | 203M |
| Owner Earnings | 26M | 42M | 77M | 39M | 102M | 83M | 125M | 148M | 203M | 253M | 231M | 173M | 190M |
| CapEx | 1.9M | 2.1M | 2.5M | 2.5M | 3.0M | 6.3M | 2.3M | 2.5M | 1.9M | 6.6M | 7.5M | 12M | 8.6M |
| Maint. CapEx | 2.2M | 2.0M | 2.4M | 3.3M | 3.5M | 5.7M | 6.2M | 6.1M | 5.6M | 5.1M | 5.1M | 6.8M | 7.5M |
| Growth CapEx | 0 | 111K | 96K | 0 | 0 | 637K | 0 | 0 | 0 | 1.5M | 2.4M | 5.2M | 1.1M |
| D&A | 2.2M | 2.0M | 2.4M | 3.3M | 3.5M | 5.7M | 6.2M | 6.1M | 5.6M | 5.1M | 5.1M | 6.8M | 7.5M |
| CapEx/OCF | 6.0% | 4.5% | 3.0% | 5.6% | 2.8% | 6.9% | 1.7% | 1.6% | 0.9% | 2.4% | 3.0% | 6.2% | 4.1% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 4.2M | 5.3M | 8.2M | 10M | 11M | 17M | 20M | 26M | 34M | 37M | 40M | 45M | 47M |
| Dividend Yield | 1.4% | 1.3% | 1.6% | 1.2% | 1.1% | 1.7% | 2.5% | 1.8% | 2.1% | 2.5% | 2.4% | 2.2% | 1.9% |
| Share Buybacks | 0 | 0 | 4.9M | 17M | 19M | 16M | 15M | 61M | 33M | 0 | 30M | 14M | 31M |
| Buyback Yield | N/A | N/A | 0.7% | 1.8% | 2.6% | 1.4% | 1.8% | 4.1% | 1.9% | N/A | 1.4% | 0.7% | 1.3% |
| Stock-Based Comp | 2.9M | 3.6M | 3.4M | 3.4M | 3.5M | 4.0M | 4.2M | 6.0M | 8.0M | 10M | 11M | 13M | 15M |
| Debt Repayment | 4.8M | 5.7M | 0 | 1.1M | 1.0M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | -497M | -546M | -611M | -785M | -916M | -1.3B | -1.4B | -3.4B | -1.8B | -433M | -764M | -619M | -632M |
| Cash & Equiv. | 101M | 94M | 199M | 153M | 197M | 167M | 538M | 2.0B | 291M | 433M | 764M | 682M | 634M |
| Long-Term Debt | 0 | 0 | 49M | 0 | 0 | 0 | 62M | 0 | 0 | 0 | 0 | 63M | 2.3M |
| Debt/Equity | 0.01 | 0.00 | 0.13 | 0.02 | 0.00 | 0.05 | 0.06 | 0.00 | 0.00 | 0.00 | 0.00 | 0.03 | 0.00 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Equity | 316M | 351M | 387M | 549M | 604M | 867M | 1.1B | 1.5B | 1.5B | 1.7B | 1.8B | 2.0B | 2.0B |
| Total Assets | 3.3B | 3.6B | 4.1B | 5.3B | 5.6B | 7.3B | 9.8B | 13.5B | 13.1B | 14.5B | 15.6B | 17.3B | 17.2B |
| Total Liabilities | 3.0B | 3.3B | 3.7B | 4.7B | 5.0B | 6.5B | 8.7B | 12.0B | 11.5B | 12.8B | 13.8B | 15.3B | 15.2B |
| Intangibles | 4.2M | 3.1M | 2.2M | 11M | 8.6M | 26M | 23M | 22M | 17M | 12M | 8.5M | 21M | 20M |
| Retained Earnings | 108M | 142M | 182M | 225M | 305M | 381M | 417M | 493M | 598M | 750M | 878M | 1.0B | 1.0B |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 1.35 | 1.89 | 2.41 | 2.07 | 3.83 | 3.55 | 2.76 | 3.86 | 5.31 | 5.07 | 4.83 | 5.31 | 5.34 |
| Owner EPS | 1.31 | 2.04 | 3.79 | 1.68 | 4.37 | 3.17 | 4.64 | 4.31 | 5.42 | 6.74 | 6.16 | 4.65 | 5.19 |
| Book Value | 15.71 | 17.24 | 19.10 | 23.56 | 25.92 | 33.20 | 40.04 | 44.36 | 40.62 | 45.72 | 48.54 | 54.80 | 55.28 |
| Cash Flow/Share | 1.56 | 2.32 | 4.07 | 1.97 | 4.67 | 3.54 | 5.03 | 4.66 | 5.78 | 7.15 | 6.58 | 5.20 | 5.59 |
| Dividends/Share | 0.21 | 0.26 | 0.41 | 0.44 | 0.47 | 0.62 | 0.72 | 0.75 | 0.90 | 1.00 | 1.06 | 1.22 | 1.27 |
| Shares Out. | 20.1M | 20.3M | 20.3M | 23.3M | 23.3M | 26.1M | 27.0M | 34.5M | 37.5M | 37.5M | 37.6M | 37.2M | 36.6M |
| Valuation | |||||||||||||
| P/E Ratio | 12.1 | 12.9 | 15.2 | 18.9 | 8.5 | 11.9 | 11.5 | 11.2 | 8.6 | 8.6 | 11.4 | 10.4 | 12.4 |
| P/FCF | 11.1 | 11.0 | 9.3 | 21.0 | 7.1 | 12.8 | 6.4 | 9.5 | 8.0 | 6.2 | 8.6 | 11.4 | 11.9 |
| EV/EBIT | N/A | N/A | N/A | 24.8 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Price/Book | 1.0 | 1.4 | 1.9 | 1.7 | 1.3 | 1.3 | 0.8 | 1.0 | 1.1 | 1.0 | 1.1 | 1.0 | 1.2 |
| Price/Sales | 2.3 | 2.8 | 3.1 | 3.9 | 4.4 | 3.3 | 2.4 | 3.3 | 3.1 | 2.4 | 2.6 | 2.8 | 3.2 |
| FCF Yield | 9.0% | 9.1% | 10.8% | 4.8% | 14.0% | 7.8% | 15.5% | 10.6% | 12.5% | 16.0% | 11.6% | 8.8% | 8.4% |
| Market Cap | 330M | 496M | 741M | 909M | 756M | 1.1B | 857M | 1.5B | 1.7B | 1.6B | 2.1B | 2.1B | 2.4B |
| Avg. Price | 15.14 | 19.44 | 25.40 | 35.72 | 43.19 | 36.89 | 29.28 | 41.50 | 43.53 | 40.43 | 44.70 | 55.01 | 65.99 |
| Year-End Price | 16.37 | 24.39 | 36.55 | 39.04 | 32.45 | 42.29 | 31.80 | 43.34 | 45.74 | 43.46 | 55.09 | 55.46 | 65.99 |
ENTERPRISE FINANCIAL SERVICES CORP passes 6 of 9 quality checks, suggesting mixed fundamentals.
ENTERPRISE FINANCIAL SERVICES CORP trades at 12.4x trailing earnings, compared to its 15-year median P/E of 11.3x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 13.4x vs a median of 8.9x. The company's 5-year average ROIC is 11.0% with a gross margin of 79.6%. Total shareholder yield (dividends + buybacks) is 3.2%. At current prices, the estimated annualized return to fair value is +8.1%.
ENTERPRISE FINANCIAL SERVICES CORP (EFSC) reported annual revenue of $1.0 billion in its most recent fiscal year, based on SEC EDGAR filings.
ENTERPRISE FINANCIAL SERVICES CORP (EFSC) has a net profit margin of 19.7%. This is a healthy margin.
ENTERPRISE FINANCIAL SERVICES CORP (EFSC) generated $182 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
ENTERPRISE FINANCIAL SERVICES CORP (EFSC) has a debt-to-equity ratio of 0.03. This indicates a conservatively financed balance sheet.
ENTERPRISE FINANCIAL SERVICES CORP (EFSC) reported earnings per share (EPS) of $5.31 in its most recent fiscal year.
ENTERPRISE FINANCIAL SERVICES CORP (EFSC) has a return on equity (ROE) of 10.2%. This indicates moderate shareholder returns.
ENTERPRISE FINANCIAL SERVICES CORP (EFSC) has a 5-year average gross margin of 79.6%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 17 years of financial data for ENTERPRISE FINANCIAL SERVICES CORP (EFSC), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
ENTERPRISE FINANCIAL SERVICES CORP (EFSC) has a book value per share of $54.80, based on its most recent annual SEC filing.