Enterprise Financial Services C (EFSC) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Enterprise Financial Services C

NasdaqGS•Financial Services•Banks - Regional

$61.81-0.67(-0.01%)Market closed

Market Cap

$2.23B

P/E

11.9x

P/S

2.2x

P/B

1.2x

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, New Mexico, and in the United States. It provides interest and non-interest-bearing demand, money markets accounts, savings, 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; life insurance premium and sponsor finance; tax credit related lending; tax credit brokerage services; 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 systems; 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. Financial Services Corp was founded in 1988 and is headquartered in Clayton, Missouri.

How this company scores

GoodMetricSide Score: 66/100

Strongest: Cash & Earnings Quality (25/25); weakest: Balance Sheet & Red Flags (13/25).

Profitability15/25

Growth13/25

Balance Sheet & Red Flags13/25

Cash & Earnings Quality25/25

Strengths

Rising free cash flowStrong marginsLow leverageCash-backed earnings

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 11.9x5y range 6.7x – 12.7x

Currently near its 20-quarter median.

P/S · 2.2x5y range 1.7x – 3.8x

Currently near its 20-quarter median.

P/B · 1.2x5y range 0.8x – 1.2x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Leverage Risk

Watch

Debt-to-equity has risen 185.4% recently — increasing financial risk even if the current ratio is manageable.

Price & Volume

Market Cap $2.23B

Metrics at a Glance

as of September 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $996.10M
Q. Revenue: $251.45M
TTM EBITDA: $278.88M
TTM Op. Income: $260.38M
Q. Op. Income: $73.17M
TTM Net Income: $187.53M
Q. Net Income: $42.44M
EPS: $1.15
Shares Out.: $36.05M

$996.10M in TTM revenue grew 1.7% YoY, reaching $251.45M last quarter. TTM EBITDA of $278.88M and TTM operating income of $260.38M show growth is flowing through to the bottom line. TTM net income of $187.53M means revenue is converting into profit. Over the past year, TTM revenue is up 2% — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 30.4%
Op. Margin: 29.1%
Net Margin: 16.9%

Op. margin of 29.1% is down 6.3% YoY — costs are rising relative to revenue. Net margin at 16.9% Across the last 8 quarters, operating margin has risen for 3 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 11.9x
P/S Ratio: 2.2x
P/B Ratio: 1.2x

At 11.9x P/E, the stock trades below typical market levels. P/S of 2.2x and P/B of 1.2x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is up 7% — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $17.79B
Cash: $487.87M
Long-Term Debt: $258.41M
Book Value: $1.92B
D/E Ratio: 0.1
Debt/EBITDA: 3.4

With $17.79B in assets and $258.41M in long-term debt, D/E is 0.1and book value is $1.92B — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has risen for 3 consecutive quarters — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $72.73M
TTM Free Cash Flow: $235.44M
FCF Margin: 23.6%
FCF / Net Income: 1.3

TTM FCF of $235.44M on $72.73M in operating cash flow. The FCF / Net Income ratio of 1.3x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 3 consecutive quarters — an improving trend.