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Enterprise Financial Services (EFSC)



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Upturn Advisory Summary
08/28/2025: EFSC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 24.47% | Avg. Invested days 39 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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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 |
Upturn AI SWOT
Enterprise Financial Services

Company Overview
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.
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 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
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
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
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.
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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