Enterprise Financial Services Corp (EFSC) Stock

Enterprise Financial Services Corp (EFSC) is a Financials stock trading at $63.96 (as of 2026-08-20), with a market capitalization of $2.31B and a trailing P/E of 12.2. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Enterprise Financial Services Corp is the financial holding company for Enterprise Bank & Trust, providing banking services and wealth-related offerings. It serves individuals and business customers with deposit accounts, lending, treasury and international trade services, tax credit brokerage, and fiduciary and trust offerings, along with related cash management, payments, and digital banking capabilities.

Understand Enterprise Financial Services Corp: how it makes money

Enterprise Financial Services Corp operates as the financial holding company for Enterprise Bank & Trust, providing banking and wealth management services such as deposits, loans, and treasury management, earning money from customer banking and related financial services.

The provided profitability metrics suggest an earnings sequence where pre-provision net revenue is followed by an adjustment for provisioning impact, resulting in free (post-provision) net revenue.

Business quality (Solid): In the provided data, there is no official reportable segment breakdown and no operational KPI labels to track, but operating margin is disclosed and the pre-provision versus free provision net revenue metrics provide a clear view into how credit costs may flow through results.

Valuation: At 12× earnings, EFSC trades in line with the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Broad banking and wealth management offering: It serves both individuals and corporate customers with deposits, a range of loan types, and wealth management services.
  • Multiple fee and service lines: It also provides treasury management and international trade services, which can diversify sources of income within its banking model.
  • Earnings snapshot shows profitability: For the latest quarter (2026-03-31), operating margin is reported as 27.9.

Bear case

  • Provisioning can materially affect results: The presence of pre-provision net revenue and free provision net revenue in the same data set highlights that provisioning impact can reduce earnings relative to pre-provision levels.
  • Drivers are harder to isolate from segments here: No official reportable segment breakdown is provided in the input, which limits visibility into which specific parts of the business are driving the quarter's performance.
Valuation — source: SEC EDGAR (first-party)
Price$63.96
Market Cap$2.31B
P/E Ratio12.2
EV / EBITDA6.4
Price / Book1.13
Price / Sales2.54
Dividend Yield2.1%
FCF Yield9.1%
DCF Value (model)$104.63
DCF Upside vs Price63.6%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$888.41M
Net Margin22.7%
Return on Equity9.3%
Revenue Growth (YoY)4.7%
EPS Growth (YoY)-19.1%
FCF Growth (YoY)13.6%
Valuation vs Sector & Industry
Stock P/E12.2
Sector P/E (Financials)15.1
Industry P/E (Banking)12.9
vs Sector-19.6%
vs Industry-5.8%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderBlackRock, Inc. ($183.68M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOJames Brian Lally
Employees1,218
CountryUS
IPO Date2003-07-15

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EFSC earnings history · EFSC institutional & insider holders · EFSC KPIs & operating metrics · EFSC financials · EFSC investor presentations & press releases · EFSC SEC filings · EFSC peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-20.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.