Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial - Chart
- Upturn Summary
- Highlights
- Valuation
Upturn AI SWOT - About
EFSC 
Enterprise Financial Services (EFSC)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- 1Y
- 1M
- 1W
Upturn Advisory Summary
11/17/2025: 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 11/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.98B USD | Price to earnings Ratio 10.42 | 1Y Target Price 64.5 |
Price to earnings Ratio 10.42 | 1Y Target Price 64.5 | ||
Volume (30-day avg) 4 | Beta 0.85 | 52 Weeks Range 44.73 - 61.98 | Updated Date 11/17/2025 |
52 Weeks Range 44.73 - 61.98 | Updated Date 11/17/2025 | ||
Dividends yield (FY) 2.23% | Basic EPS (TTM) 5.13 |
Earnings Date
Report Date 2025-10-27 | When After Market | Estimate 1.31 | Actual 1.2 |
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 10.42 | Forward PE 12.14 | Enterprise Value 2243003392 | Price to Sales(TTM) 3.06 |
Enterprise Value 2243003392 | Price to Sales(TTM) 3.06 | ||
Enterprise Value to Revenue 4.58 | Enterprise Value to EBITDA - | Shares Outstanding 37010909 | Shares Floating 35915756 |
Shares Outstanding 37010909 | Shares Floating 35915756 | ||
Percent Insiders 1.92 | Percent Institutions 84.52 |
Upturn AI SWOT
Enterprise Financial Services
Company Overview
History and Background
Enterprise Financial Services Corp was founded in 1991. Initially focused on small to medium-sized businesses, it has grown through organic expansion and acquisitions, evolving into a diversified financial services provider.
Core Business Areas
- Commercial Banking: Provides a range of lending, deposit, and treasury management services to businesses.
- Wealth Management: Offers financial planning, investment management, and trust services to individuals and families.
- Mortgage Banking: Originates and services residential mortgage loans.
Leadership and Structure
Peter Benoist is the Chairman and CEO. The organizational structure includes divisions for commercial banking, wealth management, and mortgage banking, each headed by senior executives reporting to the CEO. Has a strong Board of Directors with independent committee structure.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides term loans, lines of credit, and commercial real estate financing. Market share is regional, competing with national and regional banks. Competitors include US Bancorp and Commerce Bancshares.
- Wealth Management Services: Offers personalized investment advice, financial planning, and trust services. Competitors include Stifel Financial and Edward Jones.
- Mortgage Origination: Residential mortgage lending services with a focus on serving local communities. Competitors include Rocket Mortgage and Wells Fargo.
Market Dynamics
Industry Overview
The banking industry is currently influenced by interest rate fluctuations, regulatory changes, and technological advancements. Competition is intense, with both traditional banks and fintech companies vying for market share.
Positioning
Enterprise Financial Services is positioned as a relationship-focused bank with a strong emphasis on serving the needs of businesses and individuals in its geographic footprint. It competes on service quality and local market expertise.
Total Addressable Market (TAM)
The TAM for banking services is substantial, encompassing all businesses and individuals needing financial products. Enterprise Financial Services targets a segment of this market through its regional focus. Estimates for total banking revenue in the US are in the trillions. Actual TAM and serviceable available market (SAM) are highly dependent on the geographical presence of Enterprise Financial.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Relationship-focused banking model
- Diversified revenue streams
- Experienced management team
Weaknesses
- Limited geographic reach compared to national banks
- Sensitivity to interest rate changes
- Reliance on organic growth and acquisitions
- Dependence on key personnel
Opportunities
- Expansion into new markets
- Increased adoption of digital banking technologies
- Strategic acquisitions to enhance product offerings
- Growing demand for wealth management services
Threats
- Increased competition from national banks and fintech companies
- Regulatory changes impacting the banking industry
- Economic downturn affecting loan demand
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- USB
- CMA
- STL
Competitive Landscape
Enterprise Financial Services faces competition from larger national banks, regional banks, and fintech companies. Its advantages include its relationship-focused approach and local market expertise. Disadvantages include limited geographic reach and smaller scale.
Major Acquisitions
Sequoia Financial Group
- Year: 2021
- Acquisition Price (USD millions): 245
- Strategic Rationale: Expanded Enterprise Financial's wealth management capabilities and geographic reach.
Growth Trajectory and Initiatives
Historical Growth: Historical growth can be assessed by examining past revenue and earnings growth rates.
Future Projections: Analyst estimates for future revenue and earnings growth can be found on financial news sites.
Recent Initiatives: Recent initiatives could include new branch openings, acquisitions, or the launch of new products or services.
Summary
Enterprise Financial Services is a regional bank that competes effectively within its footprint. Its strengths lie in its relationship-based approach and diversified services. Potential challenges include competition from larger banks and sensitivity to economic cycles. Future growth depends on strategic expansion and effective execution.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Financial News Articles
- Analyst Reports
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It is not financial advice.
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.