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Upturn AI SWOT - About
EFSC 
Enterprise Financial Services (EFSC)
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Upturn Advisory Summary
09/18/2025: EFSC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $67
1 Year Target Price $67
| 2 | Strong Buy |
| 1 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 24.29% | Avg. Invested days 41 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/18/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.20B USD | Price to earnings Ratio 11.31 | 1Y Target Price 67 |
Price to earnings Ratio 11.31 | 1Y Target Price 67 | ||
Volume (30-day avg) 4 | Beta 0.93 | 52 Weeks Range 44.73 - 61.98 | Updated Date 09/18/2025 |
52 Weeks Range 44.73 - 61.98 | Updated Date 09/18/2025 | ||
Dividends yield (FY) 1.92% | 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 11.31 | Forward PE 12.14 | Enterprise Value 2437852416 | Price to Sales(TTM) 3.45 |
Enterprise Value 2437852416 | Price to Sales(TTM) 3.45 | ||
Enterprise Value to Revenue 5.31 | Enterprise Value to EBITDA - | Shares Outstanding 36987900 | Shares Floating 35896772 |
Shares Outstanding 36987900 | Shares Floating 35896772 | ||
Percent Insiders 1.91 | Percent Institutions 82.78 |
Upturn AI SWOT
Enterprise Financial Services
Company Overview
History and Background
Enterprise Financial Services Corp was founded in 1988. It has grown through organic expansion and strategic acquisitions, focusing on serving the financial needs of privately held businesses, their owners, and high-net-worth individuals.
Core Business Areas
- Commercial Banking: Offers a comprehensive suite of commercial banking products, including commercial and industrial loans, commercial real estate loans, and treasury management services.
- Wealth Management: Provides wealth management services to individuals and families, including investment management, financial planning, and trust services.
- Mortgage Banking: Offers mortgage banking services, including the origination and servicing of residential mortgage loans.
Leadership and Structure
Peter Benoist is the Chairman, and Jim Lally is the CEO. The company operates with a divisional structure based on its core business areas.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial and industrial loans form a significant portion of revenue. Market share data is not easily determined. Competitors include regional banks like Commerce Bancshares (CBSH) and national players like US Bancorp (USB).
- Commercial Real Estate Loans: CRE lending is another major revenue driver. Market share data is unavailable. Competitors include regional banks like MidwestOne Financial Group (MOFG) and national banks.
- Wealth Management Services: Provides investment management, financial planning, and trust services. Revenue data is not easily obtainable for specific product. Competitors include Stifel Financial Corp. (SF) and large brokerage firms.
Market Dynamics
Industry Overview
The banking industry is currently characterized by fluctuating interest rates, increasing regulatory scrutiny, and evolving customer expectations driven by technology.
Positioning
Enterprise Financial Services positions itself as a relationship-focused bank with expertise in serving the needs of businesses and high-net-worth individuals. Its competitive advantage lies in its personalized service and local market knowledge.
Total Addressable Market (TAM)
TAM is difficult to quantify exactly but includes all commercial banking, wealth management, and mortgage services. Enterprise is positioned to continue growing within this market, targeting privately held businesses and affluent individuals.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Experienced management team
- Diversified revenue streams
- Solid capital base
- Regional market expertise
Weaknesses
- Limited geographic footprint
- Susceptibility to interest rate fluctuations
- Reliance on commercial lending
- Smaller scale compared to national banks
- Dependence on local economic conditions
Opportunities
- Expansion into new markets
- Increased adoption of digital banking solutions
- Strategic acquisitions
- Growth in wealth management business
- Rising interest rates
Threats
- Increased competition from larger banks
- Economic downturns
- Regulatory changes
- Cybersecurity risks
- Rising compliance costs
Competitors and Market Share
Key Competitors
- CBSH
- MTB
- KEY
Competitive Landscape
EFSC differentiates itself through relationship banking and local market expertise. Its smaller size compared to national competitors allows it to be more nimble and responsive to customer needs. National players have broader resources but may lack the personalized touch.
Major Acquisitions
Triad Bank
- Year: 2020
- Acquisition Price (USD millions): 75
- Strategic Rationale: Expanded Enterprise's presence in the St. Louis market.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by organic expansion, strategic acquisitions. Requires financial figures to quantify this.
Future Projections: Analysts' estimates usually project moderate growth in revenue and earnings per share. Estimates would need to be acquired and included.
Recent Initiatives: Recent initiatives include investment in technology to improve customer experience, expansion into new geographic markets and strategic acquisitions.
Summary
Enterprise Financial Services shows stability with a focused approach on commercial clients and high-net-worth individuals. While regional presence can limit growth, their local expertise is a key strength. The company needs to watch out for competition from bigger banks and must keep up with tech improvements to better client service. Careful handling of interest rate risks and cost controls are essential for ongoing profitability.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry databases
Disclaimers:
The information provided is for general informational purposes only and does not constitute financial advice. Market share data is estimated and may not be precise. Investment decisions should be made based on thorough research and consultation with a financial professional.
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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