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Enterprise Financial Services Corp
EFSC
NASDAQ·Financial Services·Banks - Regional·Mkt cap $2.4B
$65.34
▼ -2.33%
View full research view
Our plain-language verdict, the thesis, risk factors, and what is changing about the business.
View research view52-Week Range
$51.18 - $67.53
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 18.4% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
5 reasons
- Regional market expertise across six states with deep community relationships
- Diversified revenue streams beyond traditional net interest income (wealth management, tax credits, merchant processing)
- Specialized lending capabilities in niche segments (SBA, construction, agricultural, tax credit brokerage)
- Personalized service model competing against impersonal national banks
- Established trust and fiduciary services attracting high-net-worth clients
Bear Case
2 risks
- Average volatility.
- Growth premium of 1.0x vs Commercial Banking peers. Reasonable for this growth rate.
Growth
Revenue decline expected
Expansion of SBA loan production offices and deposit production offices in new markets
Value
Growth premium of 1.0x vs Commercial Banking peers. Reasonable for this growth rate.
Momentum
Hot
+22.3% over 3m
Quality
Excellent
High-growth business (58% revenue growth, 70% gross margin). Profitable with strong growth momentum.
Dividend
Modest
1.94% yield
Smart-money signal
Who's buying EFSC right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Latest print - beat on both lines
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Jul 27, 2026
APR 22, 2026
Reported EPS of $1.31 vs $1.30 consensus (+0.8% surprise). Revenue of $188.8M vs $169.7M expected (+11.3%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Q2 26
+0.8%
Next: Jul 27, 2026
Revenue trend · last 8Q
—
—
+3%
+6%
+10%
+30%
+89%
+21%
Q2 24
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
$130.1M
$135.6M
$136.0M
$201.6M
$209.4M
$243.7M
$257.7M
$244.2M
Margins · last 8Q
Gross
72.9%
Operating
25.7%
Profit
20.2%
Wall Street consensus
4 analysts · 75% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
75%
Hold
25%
Sell
0%
Median Price Target
—
Latest: Raymond James · Jul 1, 2026