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EFSC 
Enterprise Financial Services (EFSC)
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Upturn Advisory Summary
12/01/2025: EFSC (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
4 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $64.5
1 Year Target Price $64.5
| 2 | Strong Buy |
| 1 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 15.75% | Avg. Invested days 43 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 12/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.02B USD | Price to earnings Ratio 10.65 | 1Y Target Price 64.5 |
Price to earnings Ratio 10.65 | 1Y Target Price 64.5 | ||
Volume (30-day avg) 4 | Beta 0.85 | 52 Weeks Range 44.73 - 61.98 | Updated Date 12/1/2025 |
52 Weeks Range 44.73 - 61.98 | Updated Date 12/1/2025 | ||
Dividends yield (FY) 2.15% | Basic EPS (TTM) 5.13 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 30.22% | Operating Margin (TTM) 33.94% |
Management Effectiveness
Return on Assets (TTM) 1.25% | Return on Equity (TTM) 10.25% |
Valuation
Trailing PE 10.65 | Forward PE 12.14 | Enterprise Value 2285195776 | Price to Sales(TTM) 3.13 |
Enterprise Value 2285195776 | Price to Sales(TTM) 3.13 | ||
Enterprise Value to Revenue 4.65 | Enterprise Value to EBITDA - | Shares Outstanding 37010909 | Shares Floating 35915756 |
Shares Outstanding 37010909 | Shares Floating 35915756 | ||
Percent Insiders 1.92 | Percent Institutions 84.36 |
Upturn AI SWOT
Enterprise Financial Services
Company Overview
History and Background
Enterprise Financial Services Corp was founded in 1988. Initially focused on serving the St. Louis metropolitan area, it has expanded through organic growth and acquisitions. It's grown from a small community bank to a regional financial services company.
Core Business Areas
- Commercial Banking: Offers a range of lending, deposit, and treasury management services to businesses of all sizes.
- Wealth Management: Provides investment management, financial planning, trust, and estate services to individuals and families.
- Mortgage Banking: Originates and services residential mortgage loans.
Leadership and Structure
The company is led by a board of directors and an executive management team. The organizational structure is typical of a regional bank, with divisions for commercial banking, wealth management, and mortgage banking.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial real estate, business loans, and lines of credit. Market share data is not publicly available for specific loan types at this granularity. Competitors include regional and national banks like U.S. Bancorp (USB) and Commerce Bancshares (CBSH).
- Deposit Accounts: Checking, savings, and money market accounts for businesses and individuals. Market share data is not publicly available for specific deposit products. Competitors include regional and national banks.
- Wealth Management Services: Investment management, financial planning, trust and estate services. Market share varies by region. Competitors include large wealth management firms like Charles Schwab (SCHW) and Fidelity.
Market Dynamics
Industry Overview
The banking industry is currently facing increased regulatory scrutiny, rising interest rates, and increasing competition from fintech companies. The wealth management sector is influenced by market performance and demographic shifts.
Positioning
Enterprise Financial Services is positioned as a relationship-focused regional bank, emphasizing personalized service and local market expertise. Its competitive advantages include a strong local presence and a diversified business model.
Total Addressable Market (TAM)
The total addressable market for banking and wealth management services is in the trillions of dollars. Enterprise Financial Services is positioned to capture a portion of this TAM through organic growth and acquisitions, with focus on its current regional footprint.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Diversified revenue streams
- Experienced management team
- Solid credit quality
- Focus on customer relationships
Weaknesses
- Limited geographic reach compared to national banks
- Reliance on traditional banking model in the face of fintech disruption
- Higher cost structure compared to some competitors
Opportunities
- Expansion into new markets
- Acquisitions of smaller banks or wealth management firms
- Development of new digital banking products and services
- Increasing demand for wealth management services from aging population
- Growing commercial sector within its geographic footprint
Threats
- Increased competition from national banks and fintech companies
- Rising interest rates and inflation
- Economic downturn and credit quality deterioration
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- USB
- CBSH
- OZK
Competitive Landscape
Enterprise Financial Services competes with national and regional banks. Its advantages include a strong local presence and a relationship-focused approach. Disadvantages include limited geographic reach compared to national banks.
Major Acquisitions
Sequoia Financial Group
- Year: 2021
- Acquisition Price (USD millions): 216
- Strategic Rationale: Expanded wealth management capabilities and geographic reach.
Growth Trajectory and Initiatives
Historical Growth: Enterprise Financial Services has experienced consistent growth in recent years, driven by organic expansion and acquisitions.
Future Projections: Analysts project continued growth in revenue and earnings, driven by strong loan demand and wealth management growth. Expected annual growth rate is between 5% and 10%.
Recent Initiatives: Recent initiatives include the acquisition of smaller banks, the expansion of its wealth management business, and the investment in digital banking technology.
Summary
Enterprise Financial Services is a financially stable regional bank with consistent growth driven by both organic initiatives and acquisitions. Its strong customer relationships and diverse revenue streams contribute to its success. However, it faces increasing competition from larger national banks and fintech companies, which it must address through technological innovation and strategic expansion. The company has healthy financials, and must maintain balance sheet strength.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Investor presentations
- Analyst reports
- Market data providers
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It is not financial advice. Market share percentages are approximate and may vary based on the source and definition used.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Enterprise Financial Services
Exchange NASDAQ | Headquaters Clayton, MO, United States | ||
IPO Launch date 1999-01-07 | President, CEO & Director Mr. James Brian Lally | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1218 | Website https://www.enterprisebank.com |
Full time employees 1218 | Website https://www.enterprisebank.com | ||
Enterprise Financial Services Corp operates as the financial holding company for Enterprise Bank & Trust that offers banking and wealth management services to individuals and corporate customers in Arizona, California, Florida, Kansas, Missouri, Nevada, and New Mexico. It provides checking, savings, money market accounts, and certificates of deposit. The company also provides commercial and industrial, commercial real estate, real estate construction and development, residential real estate, small business administration, consumer, and other loan products. In addition, it offers treasury management and international trade services; tax credit brokerage services; life insurance premium and sponsor finance; tax credit related lending; other deposit accounts, such as community associations, property management, legal industry and escrow services; treasury management product and services; customized solutions and products; cash management; fiduciary, investment management, and financial advisory services; and customer hedging products, international banking, card services, and tax credit businesses. Further, the company provides online, device applications, text, and voice banking; remote deposit capture; internet banking, mobile banking, cash management, positive pay, fraud detection and prevention, automated payables, check image, and statement and document imaging services; and controlled disbursements, repurchase agreements, and sweep investment accounts. Enterprise Financial Services Corp was founded in 1988 and is headquartered in Clayton, Missouri.
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