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Upturn AI SWOT - About
EFSC 
Enterprise Financial Services (EFSC)
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Upturn Advisory Summary
06/27/2025: 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
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $65
1 Year Target Price $65
| 2 | Strong Buy |
| 1 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 25.32% | 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 06/27/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.06B USD | Price to earnings Ratio 10.95 | 1Y Target Price 65 |
Price to earnings Ratio 10.95 | 1Y Target Price 65 | ||
Volume (30-day avg) 4 | Beta 0.87 | 52 Weeks Range 38.07 - 62.14 | Updated Date 06/30/2025 |
52 Weeks Range 38.07 - 62.14 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 2.15% | Basic EPS (TTM) 5.09 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 31.46% | Operating Margin (TTM) 38.58% |
Management Effectiveness
Return on Assets (TTM) 1.29% | Return on Equity (TTM) 10.82% |
Valuation
Trailing PE 10.95 | Forward PE 12.14 | Enterprise Value 2263899136 | Price to Sales(TTM) 3.32 |
Enterprise Value 2263899136 | Price to Sales(TTM) 3.32 | ||
Enterprise Value to Revenue 5.09 | Enterprise Value to EBITDA - | Shares Outstanding 36932700 | Shares Floating 35862740 |
Shares Outstanding 36932700 | Shares Floating 35862740 | ||
Percent Insiders 1.94 | Percent Institutions 83.94 |
Analyst Ratings
Rating 2 | Target Price 65 | Buy 1 | Strong Buy 2 |
Buy 1 | Strong Buy 2 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Enterprise Financial Services
Company Overview
History and Background
Enterprise Financial Services Corp was founded in 1988. It began as a single bank and has grown through organic expansion and strategic acquisitions into a diversified financial services provider.
Core Business Areas
- Commercial Banking: Provides a range of lending, deposit, and treasury management services to businesses of all sizes.
- 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 company operates with a traditional hierarchical structure, with regional presidents overseeing various markets.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans for businesses, including term loans, lines of credit, and commercial real estate financing. Market share data is not publicly available at a granular level. Competitors include regional and national banks such as U.S. Bancorp and PNC Financial Services.
- Deposit Accounts: Checking, savings, and money market accounts for businesses and individuals. Market share data is not publicly available. Competitors include similar regional and national banks.
- Wealth Management Services: Includes financial planning, investment management, and trust services. Market share information is difficult to obtain because it is not often broken down into smaller companies. Competitors include large investment firms and trust companies
Market Dynamics
Industry Overview
The banking industry is currently facing interest rate volatility, increased regulatory scrutiny, and competition from fintech companies.
Positioning
Enterprise Financial Services positions itself as a relationship-focused bank with a strong emphasis on serving the needs of businesses in its markets. They aim to provide personalized service and local expertise.
Total Addressable Market (TAM)
The TAM for banking services is substantial, encompassing all businesses and individuals in their geographic footprint. Enterprise Financial Services is positioned to capture a share of this market through its regional focus and relationship-based approach.
Upturn SWOT Analysis
Strengths
- Strong relationships with clients
- Experienced management team
- Solid financial performance
- Diversified business model
Weaknesses
- Smaller scale compared to national banks
- Limited geographic footprint
- Vulnerable to interest rate fluctuations
- Dependency on economic health of operating regions
Opportunities
- Expansion into new markets
- Acquisitions of smaller banks
- Increased demand for wealth management services
- Leveraging technology to improve efficiency
Threats
- Increased competition from fintech companies
- Economic downturn
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- USB
- PNC
- CMA
Competitive Landscape
Enterprise Financial Services competes primarily with regional and national banks. Its advantages include its strong relationships with clients and local expertise. Disadvantages include its smaller scale and limited geographic footprint.
Growth Trajectory and Initiatives
Historical Growth: Historical Growth depends on real time data and isn't available. Update data when available and populate with current results
Future Projections: Future Projections depends on real time data and isn't available. Update data when available and populate with current results
Recent Initiatives: Enterprise Financial Services has focused on expanding its wealth management business and investing in technology to enhance customer experience.
Summary
Enterprise Financial Services is a well-managed regional bank with a diversified business model. Its strengths lie in its strong client relationships and experienced management team. However, it faces challenges from increased competition and a changing regulatory environment. The bank's success depends on its ability to continue to grow its business organically and through strategic acquisitions.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share data is based on available information and may not be precise.
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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