Enterprise Financial Services Corp (EFSC) AI Stock Analysis

Enterprise Financial Services Corp operates as the financial holding company overseeing Enterprise Bank & Trust, providing banking and wealth management solutions to individual and corporate clients. Its offerings include checking, savings, money market accounts, certificates of deposit, and various lending solutions spanning commercial, real estate, agricultural, and consumer loans. Additionally, the company provides treasury management, international trade services, tax credit brokerage, financial and estate planning, fiduciary services, and merchant processing. Headquartered in Clayton, Missouri, it delivers digital and branch banking solutions across its network.

Over the five-year period from FY2020 to FY2025, revenue achieved a CAGR of 21.3%. Revenue grew from $421.6M in FY2021 to $533.7M in FY2022, followed by $68.7M in FY2023, $814.4M in FY2024, and $912.4M in FY2025. Diluted EPS reached $5.24 in FY2025 alongside an operating margin of 31.1% and a net margin of 22.1%. For the latest quarter ended June 30, 2026, quarterly revenue rose 1.2% year-over-year, while quarterly earnings declined 19.9% year-over-year.

As of June 30, 2026, the company held $273.9M in cash and short-term investments, with total debt of $682.1M and net debt of $408.2M. Shareholders' equity was $2.04B, supporting total assets of $17.40B, with a debt-to-equity ratio of 0.33 and a current ratio of 1.32. In FY2025, operating cash flow stood at $193.5M and free cash flow was $181.5M, supporting $12.0M in capital expenditures, $14.1M in share buybacks, and $48.8M in dividends paid.

Enterprise Financial Services Corp trades at a trailing P/E of 11.9x, slightly below the 12.1x median of its US-listed Financial Services peers. Its forward P/E stands at 12.1x compared to the peer median of 10.8x, and its price-to-sales multiple is 3.1x versus the peer median of 3.2x. Over the past year, the stock returned 15.3%, trailing the S&P 500 (SPY) return of 16.8%. Over five years, the stock generated a 39.2% return compared to 83.0% for the S&P 500.

Enterprise Financial Services Corp pays an annualized forward dividend of $1.34 per share, translating to a dividend yield of 2.24% with a payout ratio of 26.8%. The quarterly dividend has been paid for 26 consecutive years, demonstrating an annualized 5-year dividend growth rate of 11.1%. The last ex-dividend date was September 15, 2026.

Wall Street coverage includes 3 Strong Buy, 2 Buy, and 2 Hold ratings, with zero Sell recommendations. The mean price target is $71.00, representing an 18.6% upside against the October 16, 2026 closing price of $59.84. For the current fiscal year ending December 31, 2026, consensus estimates project revenue of $769.5M and EPS of $5.29. The company beat EPS estimates in 1 of the last 4 quarters, and the next earnings date is October 21, 2026.

This page is an AI-written research summary of Enterprise Financial Services Corp (EFSC). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: EFSC income statement, EFSC balance sheet, EFSC key metrics, EFSC analyst forecast, EFSC chart. See the EFSC stock overview for the latest quote and news.