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Upturn AI Summary - About
Enterprise Financial Services(EFSC)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for EFSC
10/19/2026: EFSC (1-star) is currently NOT-A-BUY. Pass it for now.
Enterprise Financial Services is a regional banking institution that provides tailored commercial lending and wealth management services to businesses and high-net-worth individuals. The company is known for its relationship-driven model and disciplined approach to credit, which supports its long-term stability. Its growth story centers on organic expansion and successful, targeted bank acquisitions in the Midwest and Southwest. However, the company faces risks from regional economic concentration, interest rate volatility, and competition from larger financial players. It may be well-suited for value and dividend-focused investors, provided they monitor the economic health of its core regional markets and its ability to manage margin compression.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company exhibits steady growth but lacks the aggressive expansion characteristic of high-growth tech firms. |
| Momentum investor | Weak fit | Banking stocks often rely on long-term macro trends rather than short-term price momentum, making this a secondary choice. |
| Value investor | Strong fit | EFSC often trades at reasonable valuation multiples relative to its earnings potential and book value. |
| Dividend investor | Strong fit | The company has a consistent history of paying dividends, making it attractive for income-focused portfolios. |
| Low-risk investor | Mixed fit | While more stable than growth stocks, the banking sector carries inherent market and economic sensitivity risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Regional bank stocks can be volatile based on interest rate sentiment. |
| Valuation risk | Medium | Changes in earnings multiples could impact stock price regardless of fundamental performance. |
| Competition risk (Regional Banking) | Medium / high | Strong competition from larger regional players puts pressure on margins. |
| Business quality | Strong | The company maintains a high-quality, conservative loan portfolio. |
| Dividend income | Medium | Dividends are reliable but not high-growth. |
| Execution risk | Medium | Successful integration of future acquisitions is required to maintain growth. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 38.81% | Avg. Invested days 53 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/19/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.17B USD | Price to earnings Ratio 11.9 | 1Y Target Price 71 |
Price to earnings Ratio 11.9 | 1Y Target Price 71 | ||
Volume (30-day avg) 272.1K shares | Beta 0.83 | 52 Weeks Range 50.04 - 68.36 | Updated Date 10/18/2026 |
52 Weeks Range 50.04 - 68.36 | Updated Date 10/18/2026 | ||
Dividends yield (FY) 2.19% | Basic EPS (TTM) 5.03 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Commercial Banking | Interest income from business loans, commercial real estate loans, and treasury management fees. | The primary source of revenue is the interest paid by businesses on loans. |
| Wealth Management | Fees generated from assets under management (AUM) and advisory services. | This provides a steady, fee-based revenue stream that is less sensitive to interest rate changes. |
| Geography (Midwest/Southwest) | Concentration of branch network and commercial lending activity in key regional US markets. | The company's success is tied to the economic health of these specific geographic regions. |
Earnings Date
Report Date 2026-10-21 | When After Market | Estimate 1.38 | Actual - |
Profitability
Profit Margin 27.36% | Operating Margin (TTM) 30.78% |
Management Effectiveness
Return on Assets (TTM) 1.14% | Return on Equity (TTM) 9.6% |
Valuation
Trailing PE 11.9 | Forward PE 12.14 | Enterprise Value 2.37B | Price to Sales(TTM) 3.11 |
Enterprise Value 2.37B | Price to Sales(TTM) 3.11 | ||
Enterprise Value to Revenue 4.54 | Enterprise Value to EBITDA - | Shares Outstanding 36.19M | Shares Floating 34.89M |
Shares Outstanding 36.19M | Shares Floating 34.89M | ||
Percent Insiders 1.8 | Percent Institutions 85.84 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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