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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. In the quarter to June 2026, revenue grew 1.34%, EPS fell 19.1%, free cash flow grew 15.2% and total debt rose 3.12%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for ten.

59.84 0.57 +0.96%
Market cap
$2.2B
P/E
11.8×
Fwd P/E
11.1×
Dividend yield
2.24%
F-score
4/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 0.08
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell — — — — — 1 — — — — — —
Insider Ownership 2.49%

Capital & Financial Ratios $m

Market Cap 2,150.00
Revenue 1,018.67
Net Income 190.32
Free Cash Flow 212.37
Net Debt 129.35
Current Ratio 0.85
Debt/Equity 0.33
P/E ratio 11.80
Fwd P/E 11.10
P/S ratio 2.14
P/B ratio 1.11
Past 5Y EPS Growth 13.98%
This Y EPS Growth (1.13%) (below 0%: weak)
Next Y EPS Growth 12.60%
Next Y revenue growth (23.17%) (below 0%: weak)
Next 5Y EPS Growth 5.30%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 50.31%
10-year low 10-year high
P/S against its own 10 years 19.68%
10-year low 10-year high
P/B against its own 10 years 29.12%
10-year low 10-year high

Dividends

Payout Ratio 0.27
Annual Dividend Rate 1.34
Annual Dividend Yield 2.24%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 1.37
0.33
0.34
0.35
2025 1.22
0.29
0.30
0.31
0.32
2024 1.06
0.25
0.26
0.27
0.28
2023 1.00
0.25
0.25
0.25
0.25
2022 0.90
0.21
0.22
0.23
0.24
2021 0.75
0.18
0.18
0.19
0.20
2020 0.72
0.18
0.18
0.18
0.18
2019 0.62
0.14
0.15
0.16
0.17
2018 0.47
0.11
0.11
0.12
0.13
2017 0.44
0.11
0.11
0.11
0.11
2016 0.41
0.09
0.10
0.11
0.11
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 437 766 683 553
Receivables — — — —
Inventory — — — —
Other — — — —
11,187 11,849 12,344 12,307
2023 2024 2025 Q'26
Payables 12,176 13,146 14,609 14,503
ST’ Debt — — — —
Other — — — —
12,176 13,146 14,609 14,503

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%

Revenue $m

Mar Jun Sep Dec Year
’26 244 243 — — —
’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 — — —
’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 — — —
’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.

EPS $

Mar Jun Sep Dec Year
’26 1.30 1.09 — — —
’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.

Target Price Range

Analyst price targets

Recommendation Rating

1.7
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 25.01 36.65 36.09 36.93 21.70 33.28 39.64 32.97 37.28 45.22

Analyst estimates 2026–2028

Powerpack
High 43.65 46.25 58.15 48.65 48.81 52.00 54.31 56.35 63.13 62.60
People
People Employees 479 635 650 805 — 1,075 1,127 1,221 1,256 1,418
Revenue/emp, $m 0.37 0.37 0.42 0.44 0.00 0.42 0.51 0.68 0.73 0.71
Income, $m
Income, $m Revenue 178 237 276 354 359 451 574 834 921 1,002
Gross margin, % 92.30 89.35 83.38 81.25 90.32 94.89 92.83 75.73 69.27 73.87
EBT 75 87 105 116 92 169 259 247 231 284
EBT margin, % 41.98 36.52 37.87 32.75 25.59 37.39 45.18 29.57 25.11 28.33
Net income 49 48 89 93 74 133 203 194 185 201
Depreciation 7 8 8 14 19 21 20 15 14 15
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
Earnings 2.44 2.10 3.86 3.56 2.76 3.86 5.32 5.09 4.86 5.34
Cash flow 4.13 2.00 4.71 3.55 5.03 4.66 5.80 7.18 6.62 5.23
Capex (0.12) (0.11) (0.13) (0.24) (0.08) (0.07) (0.01) (0.17) (0.20) (0.32)
Free cash flow 4.00 1.88 4.58 3.31 4.94 4.59 5.79 7.01 6.42 4.91
Book value 19.35 23.90 26.14 33.30 40.03 44.40 40.72 45.92 48.83 55.14
Shares, m 20 23 23 26 27 34 37 37 37 37
Valuation, ×
Valuation, × P/E 17.48 21.37 9.75 13.54 12.80 12.07 9.13 8.86 11.60 10.09
P/S 4.79 4.37 3.15 3.54 2.62 3.60 3.17 2.02 2.29 1.99
P/B 2.20 1.89 1.44 1.45 0.87 1.11 1.25 1.03 1.20 1.02
EV/Sales 5.81 6.01 3.91 4.74 2.65 0.34 3.66 2.04 1.93 1.79
EV/FCF 12.94 32.92 10.20 19.50 7.14 0.96 9.70 6.50 7.41 9.89
Cash, $m
Cash, $m Operating cash flow 83 46 109 92 136 161 217 268 247 194
Capex (2) (3) (3) (6) (2) (2) 0 (6) (7) (12)
Free cash flow 80 43 106 86 133 158 216 262 240 182
Balance, $m
Balance, $m Working capital 101 70 (83) (358) (338) (436) (928) (990) (1,298) (2,265)
Total debt 383 545 410 595 555 559 580 454 437 481
Net debt 183 389 210 424 9 (1,470) 280 17 (329) (201)
Shareholders’ equity 387 549 604 867 1,079 1,529 1,522 1,716 1,824 2,039
Returns, %
Returns, % ROA 1.27 1.03 1.63 1.43 0.87 1.14 1.50 1.38 1.21 1.20
ROIC 8.36 6.20 8.13 6.49 5.52 201.37 9.00 8.89 9.67 9.65
ROE 13.24 10.30 15.48 12.61 7.64 10.49 13.69 12.30 10.69 10.63
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
BBT Beacon Financial Corporation $2.3B 15.1× 9.7× +99.71% (above 0%: growing) +211.49% (above 0%: growing) +88.09% (above 0%: growing) 68.58% 0.00% Compare
MBIN Merchants Bancorp $2.3B 9.8× 9.1× −4.26% (below 0%: shrinking) +146.67% (above 0%: growing) +267.73% (above 0%: growing) 53.63% 0.00% Compare
OFG OFG Bancorp $2.2B 10.3× 9.8× +2.40% (above 0%: growing) +20.87% (above 0%: growing) +41.84% (above 0%: growing) 82.69% 0.00% Compare
NWBI Northwest Bancshares, Inc. $2.2B 14.2× 10.3× +18.20% (above 0%: growing) +42.31% (above 0%: growing) +538.73% (above 0%: growing) 75.69% 0.00% Compare
WAFD WaFd, Inc. $2.2B 9.1× 10.9× +1.80% (above 0%: growing) +16.44% (above 0%: growing) +33.88% (above 0%: growing) 57.68% 0.00% Compare
EFSC Enterprise Financial Services Corporation $2.2B 11.8× 11.1× +1.34% (above 0%: growing) −19.12% (below 0%: shrinking) +15.23% (above 0%: growing) 75.04% 0.00%
SRCE 1st Source Corporation $2.1B 12.3× 11.1× +3.88% (above 0%: growing) +29.14% (above 0%: growing) +16.78% (above 0%: growing) 75.70% 0.00% Compare
FCF First Commonwealth Financial Corporation $2.0B 12.4× 11.1× +1.44% (above 0%: growing) +37.50% (above 0%: growing) −98.48% (below 0%: shrinking) 74.84% 0.00% Compare
TBBK The Bancorp, Inc. $2.0B 9.2× 9.1× −9.61% (below 0%: shrinking) +14.06% (above 0%: growing) −31.16% (below 0%: shrinking) 79.72% 0.00% Compare
Median of peers $2.2B 11.3× 10.1× +2.10% +33.32% +37.86% 75.27% 0.00%

All 323 Banks Regional stocks →

Enterprise Financial Services Corporation (EFSC) key facts

  • Strength: Enterprise Financial Services Corporation’s revenue for fiscal 2025 (year ended December 2025) was $1.0 billion, up 8.77% from fiscal 2024.
  • Strength: Net income was $201.4 million, or $5.34 per share (basic), a net margin of 19.7%.
  • Enterprise Financial Services Corporation (EFSC) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, EFSC traded at $59.84, a market capitalization of $2.2 billion.
  • At that price the stock trades at 11.8× trailing-twelve-month earnings and 2.1× sales; its P/E is higher than 50% of its own readings over the past ten years.
  • Enterprise Financial Services Corporation pays an annual dividend of $1.34 per share, a yield of 2.24%, with a payout ratio of 26.6%.
  • Return on equity was 10.6% and debt-to-equity 0.33.
  • Its Piotroski F-score is 4 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Enterprise Financial Services Corporation (EFSC) Latest News

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stockrow.com/EFSC · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com