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EFSC logo EFSC
Upturn stock ratingUpturn stock rating
EFSC logo

Enterprise Financial Services (EFSC)

Upturn stock ratingUpturn stock rating
$61.65
Last Close (24-hour delay)
Profit since last BUY1.9%
upturn advisory
Consider higher Upturn Star rating
BUY since 5 days
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Upturn Advisory Summary

08/28/2025: EFSC (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

4 Analysts rated it

Very few follow this stock; limited insights, higher-risk early investing.

1 Year Target Price $67

1 Year Target Price $67

Analysts Price Target For last 52 week
$67 Target price
52w Low $44.96
Current$61.65
52w High $62.3

Analysis of Past Performance

Type Stock
Historic Profit 24.47%
Avg. Invested days 39
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 3.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 08/28/2025

Key Highlights

Company Size Mid-Cap Stock
Market Capitalization 2.28B USD
Price to earnings Ratio 11.72
1Y Target Price 67
Price to earnings Ratio 11.72
1Y Target Price 67
Volume (30-day avg) 4
Beta 0.91
52 Weeks Range 44.96 - 62.30
Updated Date 08/29/2025
52 Weeks Range 44.96 - 62.30
Updated Date 08/29/2025
Dividends yield (FY) 1.85%
Basic EPS (TTM) 5.26

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 31.49%
Operating Margin (TTM) 38.28%

Management Effectiveness

Return on Assets (TTM) 1.31%
Return on Equity (TTM) 10.92%

Valuation

Trailing PE 11.72
Forward PE 12.14
Enterprise Value 2518486016
Price to Sales(TTM) 3.58
Enterprise Value 2518486016
Price to Sales(TTM) 3.58
Enterprise Value to Revenue 5.46
Enterprise Value to EBITDA -
Shares Outstanding 36987900
Shares Floating 35901951
Shares Outstanding 36987900
Shares Floating 35901951
Percent Insiders 1.91
Percent Institutions 82.79

ai summary icon Upturn AI SWOT

Enterprise Financial Services

stock logo

Company Overview

overview logo History and Background

Enterprise Financial Services Corp was founded in 1988 and is headquartered in Clayton, Missouri. Initially focusing on serving the needs of privately held businesses, the company has expanded through organic growth and strategic acquisitions to offer a broad range of banking and wealth management services.

business area logo Core Business Areas

  • Commercial Banking: Offers a range of lending, deposit, and treasury management services to businesses of various sizes.
  • Personal Banking: Provides deposit accounts, loans, and other banking services to individuals and families.
  • Wealth Management: Offers investment management, financial planning, trust, and insurance services through its subsidiary, Enterprise Trust.
  • Payment Solutions: Provides Merchant credit card solutions for retailers.

leadership logo Leadership and Structure

Peter F. Benoist is the Chairman. Jim Lally is the President and CEO. The company operates through a hierarchical structure with various department heads reporting to the CEO.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Loans: Commercial real estate loans, lines of credit, equipment financing. Market share data unavailable; competitors include regional and national banks (e.g., U.S. Bancorp, Commerce Bancshares).
  • Treasury Management Services: Cash management, payment processing, and liquidity solutions. Market share data unavailable; competitors include regional and national banks (e.g., U.S. Bancorp, Commerce Bancshares).
  • Wealth Management Solutions: Investment management and retirement planning services. Market share data unavailable; competitors include regional and national wealth management firms (e.g., Edward Jones, Stifel Financial).

Market Dynamics

industry overview logo Industry Overview

The banking industry is currently characterized by rising interest rates, increasing regulatory scrutiny, and heightened competition from both traditional and non-traditional players (fintechs).

Positioning

Enterprise Financial Services is positioned as a relationship-focused bank serving middle-market businesses and high-net-worth individuals. Its competitive advantages include its experienced team, local market knowledge, and strong customer relationships.

Total Addressable Market (TAM)

TAM for banking services in the US is estimated to be in the trillions. Enterprise Financial Services is positioned to capture a small percentage of this TAM within its geographic footprint by focusing on relationship banking and specialized services.

Upturn SWOT Analysis

Strengths

  • Strong capital base
  • Experienced management team
  • Relationship-focused approach
  • Diversified revenue streams
  • Solid credit quality

Weaknesses

  • Geographic concentration
  • Limited brand recognition outside its core markets
  • Reliance on traditional banking model
  • Smaller size compared to national competitors

Opportunities

  • Expansion into new markets
  • Increased demand for wealth management services
  • Adoption of new technologies
  • Strategic acquisitions
  • Growth in Payment Solutions with Merchant partners

Threats

  • Rising interest rates
  • Increased competition from fintech companies
  • Economic downturn
  • Regulatory changes
  • Cybersecurity threats

Competitors and Market Share

competitor logo Key Competitors

  • USB
  • CMA
  • HBAN

Competitive Landscape

Enterprise Financial Services competes with larger national banks and smaller community banks. Its advantage lies in personalized service and local market expertise, but it faces challenges from larger competitors with greater resources.

Major Acquisitions

Sequoia Financial Group

  • Year: 2022
  • Acquisition Price (USD millions): 184
  • Strategic Rationale: Expanded wealth management capabilities and geographic reach.

Growth Trajectory and Initiatives

Historical Growth: Historical growth data unavailable due to constraints.

Future Projections: Future projections unavailable due to constraints.

Recent Initiatives: Recent initiatives unavailable due to constraints.

Summary

Enterprise Financial Services shows a solid foundation, bolstered by strategic acquisitions and a strong relationship-based banking model. Challenges include competition from larger national banks and navigating the changing interest rate environment. Geographic concentration and potential economic downturns also pose risks. Continued focus on technological innovation and strategic expansion will be key to maintaining growth.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company Website
  • SEC Filings
  • Third-Party Financial Data Providers
  • Industry Reports

Disclaimers:

The data provided is for informational purposes only and should not be considered financial advice. Market share and other data may be estimated and subject to change. Financial data may be unavailable due to constraints.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 1218

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.