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Enterprise Financial Services Corporation

EFSC Financial Banks Regional

Enterprise Financial Services Corporation’s revenue for fiscal 2025 (year ended December 2025) was $1.0 billion, up 8.77% from fiscal 2024.

Revenue
−8.24%
EPS
−4.17%
Free cash flow
+51.0%
Total debt
−24.8%

Quarter to September 2026, against a year earlier

62.29 1.58 −2.47%
Market cap
$2.2B
P/E
12.4×
Fwd P/E
12.3×
Dividend yield
2.15%
F-score
4/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 0.08
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — 1 — — — — — — —
Insider Ownership 2.84%

Capital & Financial Ratios $m

Size
Market Cap 2,220.00
Revenue ttm 996.10
Net income ttm 187.53
Free cash flow ttm 236.38
Net debt Q 13.40
Valuation
P/E 12.41
Forward P/E 12.30
Price / sales 2.25
Forward P/S Powerpack
Price / FCF 9.50
Price / book 1.22
Financial health
Current ratio Q 0.84
Debt / equity Q 0.26
Interest coverage Q —
Growth
Revenue growth Q −8.24% (below 0%: shrinking)
Operating income growth Q −37.91% (below 0%: shrinking)
EPS, this year −5.25% (below 0%: weak)
EPS, next year A +19.56% (at or above 15%: strong)
Revenue, next year A −23.94% (below 0%: weak)
EPS, past 5 yrs +13.98%
EPS, next 5 yrs A +6.53%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 56.84%
10-year low 10-year high
P/S against its own 10 years 28.64%
10-year low 10-year high
P/B against its own 10 years 45.65%
10-year low 10-year high

Dividends raised every year since 2017

Yield
2.15%
Annual rate
1.34
Payout ratio
26.9%
Growth, 2017–25
+13.6%/yr
  1. 0.44 ’17
  2. 0.47 ’18 +7
  3. 0.62 ’19 +32
  4. 0.72 ’20 +16
  5. 0.75 ’21 +4
  6. 0.90 ’22 +20
  7. 1.00 ’23 +11
  8. 1.06 ’24 +6
  9. 1.22 ’25 +15
  10. 1.38 ’26e +13
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 437 766 683 489
Receivables — — — —
Inventory — — — —
Other — — — —
11,187 11,849 12,344 12,689
2023 2024 2025 Q'26
Payables 12,176 13,146 14,609 15,127
ST’ Debt — — — —
Other — — — —
12,176 13,146 14,609 15,127

Compound Annual Growth %

10y 5y 3y
Sales 20.63% 22.76% 20.37%
Cash Flow 15.16% 7.39% (3.69%)
Earnings 17.79% 21.58% (0.23%)
Book Value 19.25% 13.58% 10.24%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 1.38 Actual 1.17

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 1.37 1.36 Miss by 0.01
Q1 FY26 1.30 1.31 Beat by 0.01
Q2 FY26 1.35 1.13 Miss by 0.22
Q3 FY26 1.38 1.17 Miss by 0.21
Q4 FY26 1.48 — Reports 25 January 2027

EPS $

Mar Jun Sep Dec Year
’26 1.30 1.09 1.14 — —
’25 1.31 1.36 1.19 1.45 5.31
’24 1.05 1.19 1.32 1.28 4.83
’23 1.46 1.29 1.17 1.16 5.07
’22 1.23 1.19 1.32 1.58 5.31
’21 0.96 1.23 0.38 1.33 3.86
’20 0.48 0.56 0.68 1.00 2.76
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 244 243 251 — —
’25 230 240 274 258 1,002
’24 220 227 238 236 921
’23 186 202 213 233 834
’22 125 130 145 174 574
’21 96 104 121 130 451
’20 90 83 83 103 359
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 59 69 73 — —
’25 40 61 49 43 194
’24 30 77 89 52 247
’23 69 71 49 79 268
’22 50 65 73 29 217
’21 (4) 69 41 55 161
’20 33 26 41 35 136
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 57 68 71 — —
’25 36 59 47 40 182
’24 27 75 88 50 240
’23 69 70 49 75 262
’22 49 64 74 28 216
’21 (4) 68 40 54 158
’20 32 26 41 35 133
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.7
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 178 237 276 354 359 451 574 834 921 1,002 996 +21.1% 762 815 857 (5.1%)
Gross margin, % 92.30 89.35 83.38 81.25 90.32 94.89 92.83 75.73 69.27 73.87 75.18 (18.4) pt
EBT 75 87 105 116 92 169 259 247 231 284 240 +16.0%
EBT margin, % 41.98 36.52 37.87 32.75 25.59 37.39 45.18 29.57 25.11 28.33 24.09 (13.6) pt
Net income 49 48 89 93 74 133 203 194 185 201 188 +17.0%
Per share, $
Per share, $ Revenue 8.91 10.32 11.95 13.60 13.33 13.10 15.36 22.31 24.65 27.08 27.63 +13.1%
Earnings 2.44 2.10 3.86 3.56 2.76 3.86 5.32 5.09 4.86 5.34 5.02 +9.1%
Cash flow 4.13 2.00 4.71 3.55 5.03 4.66 5.80 7.18 6.62 5.23 6.73 +2.7%
Capex (0.12) (0.11) (0.13) (0.24) (0.08) (0.07) (0.01) (0.17) (0.20) (0.32) (0.18) +11.2%
Free cash flow 4.00 1.88 4.58 3.31 4.94 4.59 5.79 7.01 6.42 4.91 6.56 +2.3%
Book value 19.35 23.90 26.14 33.30 40.03 44.40 40.72 45.92 48.83 55.14 53.18 +12.3%
Shares, m 20 23 23 26 27 34 37 37 37 37 37 +7.1%
Valuation, ×
Valuation, × P/E 17.48 21.37 9.75 13.54 12.80 12.07 9.13 8.86 11.60 10.09 12.41 12.7
P/S 4.79 4.37 3.15 3.54 2.62 3.60 3.17 2.02 2.29 1.99 2.25 3.2
P/B 2.20 1.89 1.44 1.45 0.87 1.11 1.25 1.03 1.20 1.02 1.22 1.3
EV/Sales 5.81 6.01 3.91 4.74 2.65 0.34 3.66 2.04 1.93 1.79 — 3.3
EV/FCF 12.94 32.92 10.20 19.50 7.14 0.96 9.70 6.50 7.41 9.89 — 11.7
Cash, $m
Cash, $m Operating cash flow 83 46 109 92 136 161 217 268 247 194 243 +9.9%
Capex (2) (3) (3) (6) (2) (2) 0 (6) (7) (12) (6) +19.0%
Free cash flow 80 43 106 86 133 158 216 262 240 182 236 +9.5%
Balance, $m
Balance, $m Working capital 101 70 (83) (358) (338) (436) (928) (990) (1,298) (2,265) (2,438) n/m
Net debt 183 389 210 424 9 (1,470) 280 17 (329) (201) 13 n/m
Shareholders’ equity 387 549 604 867 1,079 1,529 1,522 1,716 1,824 2,039 1,917 +20.3%
Returns, %
Returns, % ROA 1.27 1.03 1.63 1.43 0.87 1.14 1.50 1.38 1.21 1.20 1.07 (0.1) pt
ROIC 8.36 6.20 8.13 6.49 5.52 201.37 9.00 8.89 9.67 9.65 7.77 +1.3 pt
ROE 13.24 10.30 15.48 12.61 7.64 10.49 13.69 12.30 10.69 10.63 9.79 (2.6) pt
People
People Employees 479 635 650 805 — 1,075 1,127 1,221 1,256 1,418 — +12.8%
Revenue/emp, $m 0.37 0.37 0.42 0.44 0.00 0.42 0.51 0.68 0.73 0.71 — +7.4%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 5 Nov 2026

Enterprise Financial Services Corporation vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
SYBT Stock Yards Bancorp, Inc. $2.5B 15.2× 14.8× +11.93% (above 0%: growing) +14.63% (above 0%: growing) +134.96% (above 0%: growing) 74.21% 0.00% Compare
MBIN Merchants Bancorp $2.4B 8.3× 8.4× +13.68% (above 0%: growing) +136.04% (above 0%: growing) +267.73% (above 0%: growing) 57.39% 0.00% Compare
BUSE First Busey Corporation $2.3B 11.7× 11.5× −4.46% (below 0%: shrinking) +6.90% (above 0%: growing) +29.75% (above 0%: growing) 70.90% 0.00% Compare
NWBI Northwest Bancshares, Inc. $2.2B 11.1× 10.9× +8.47% (above 0%: growing) +1,650.00% (above 0%: growing) +538.73% (above 0%: growing) 75.12% 0.00% Compare
EFSC Enterprise Financial Services Corporation $2.2B 12.4× 12.3× −8.24% (below 0%: shrinking) −4.17% (below 0%: shrinking) +50.95% (above 0%: growing) 74.70% 0.00%
BBAR BBVA Banco Frances S.A. $2.2B 7.9× — +0.73% (above 0%: growing) +83.33% (above 0%: growing) −107.66% (below 0%: shrinking) 67.81% 0.00% Compare
WAFD WaFd, Inc. $2.2B 9.2× 10.9× +8.60% (above 0%: growing) +4.11% (above 0%: growing) +33.88% (above 0%: growing) 58.85% 0.00% Compare
OFG OFG Bancorp $2.1B 9.6× 9.4× −1.39% (below 0%: shrinking) +14.53% (above 0%: growing) +41.84% (above 0%: growing) 81.53% 0.00% Compare
SRCE 1st Source Corporation $2.1B 12.0× 11.6× +3.41% (above 0%: growing) +18.71% (above 0%: growing) +38.99% (above 0%: growing) 76.13% 0.00% Compare
Median of peers $2.2B 10.4× 10.9× +5.94% +16.67% +40.42% 72.55% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 31 March 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 3.62m 3.01m 173.00
2024 3.59m 5.83m 130.00
2023 3.45m 2.12m 100.00
2022 4.16m 4.84m 108.00
2021 2.45m 3.10m 102.00

Ownership

Directors and executive officers, together less than 1%
BlackRock Inc. 8.00%
Wellington Management Group LLP 7.40%
Dimensional Fund Advisors LP 5.20%
EARNEST Partners, LLC 5.00%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Enterprise Financial Services Corporation (EFSC) Latest News

30 Oct

Impact 3 · · The Motley Fool

23 Oct

Impact 3 · · StockStory
Impact 3 · · StockStory

22 Oct

Impact 4 · · The Motley Fool transcript
Impact 3 · · Simply Wall St.
Impact 3 · · MarketBeat
Impact 3 · · Moby

21 Oct

Impact 3 · · Zacks
Impact 3 · · Zacks
Impact 3 · · Associated Press
Impact 3 · · StockStory

20 Oct

Impact 3 · · StockStory

14 Oct

Impact 3 · · Zacks

8 Oct

Impact 4 · · Simply Wall St.

6 Oct

Impact 3 · · Zacks

26 Jul

Impact 3 ·

23 Jul

Impact 4 · · MarketBeat transcript
Impact 4 · · Moby
Impact 3 · transcript

22 Jul

Impact 3 ·
Impact 3 ·
Impact 3 ·

4 May

Impact 3 · · Simply Wall St.

24 Apr

Impact 4 · · GuruFocus.com
Impact 3 · · StockStory

23 Apr

Impact 4 · · Moby
Impact 3 · · MarketBeat

22 Apr

Impact 4 · · Zacks
Impact 4 · · Zacks
Impact 3 · · Zacks

EFSC metrics, ten years each

stockrow.com/EFSC · Data as of Nov 5, 2026 · For information only; not investment advice. · © 2026 stockrow.com