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EFSCEnterprise Financial Services Corp
$65.68$2.4B
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EFSC logoEnterprise Financial Services Corp(EFSC)Earnings, Financials & Key Ratios

EFSC•NASDAQ•Banking & Credit
$65.68
12.4× P/E·Price updated Jul 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutEnterprise 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. The company offers checking, savings, and money market accounts, and certificates of deposit. It also provides commercial and industrial, commercial real estate, construction and land development, residential real estate, agricultural, and consumer loans. In addition, the company offers treasury management and international trade services; tax credit brokerage services consisting of the acquisition of tax credits and sale of these tax credits to clients; and financial and estate planning, investment management, and trust services to businesses, individuals, institutions, retirement plans, and non-profit organizations. Further, it offers fiduciary, financial advisory, and merchant processing services; and debit and credit cards. Additionally, the company provides international banking, insurance, internet and mobile banking, remote deposit capture, positive pay, fraud detection and prevention, automated payable, check imaging, and statement and document imaging services; and cash management products, controlled disbursements, repurchase agreements, and sweep investment accounts. It operates banking locations and administrative offices in Arizona, California, Kansas, Missouri, Nevada, and New Mexico market areas, as well as a network of SBA loan production offices and deposit production offices in various states. Enterprise Financial Services Corp was founded in 1988 and is headquartered in Clayton, Missouri.Show more
  • Net Interest Income$626M+10.5%
  • Total Revenue$912M+12.0%
  • Net Income$201M+8.7%
  • Return on Equity10.42%-0.4%
  • Net Interest Margin3.62%-0.4%
  • Efficiency Ratio37.34%+9.1%
  • ROA1.22%-0.5%
  • Equity / Assets11.79%+0.8%
  • Book Value per Share54.69+12.6%

EFSC Price & Volume

Enterprise Financial Services Corp (EFSC) stock price & volume — 10-year historical chart

Loading chart...

Tax Credit Volatility Challenges Regional Bank Growth

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Expanding
Profitability:Moderate
Financial:Healthy
Cash Flow:Stable
Primary Risk:Tax credit pipeline volatility

Key Thesis Takeaways

  • Enterprise Financial Services Corp demonstrates resilient net interest income growth of 12.6% year-over-year as of 2026Q1, though the bank's reliance on specialized tax credit brokerage introduces significant non-interest income volatility.
  • While the firm maintains a stable equity-to-assets ratio of 0.12, investors should monitor the rising efficiency ratio of 47.2% which reflects increasing operational complexity.
  • The long-term outlook remains tied to the bank's ability to balance its aggressive securities portfolio expansion with prudent credit management in its commercial real estate segments.

Verdict Logic

while the bank maintains a healthy 0.12 equity-to-assets ratio, the 12.59 TTM P/E valuation appears fully priced given the inherent volatility in non-interest income and the structural resistance of the 1.0% net interest margin.

EFSC Growth Metrics

Enterprise Financial Services Corp (EFSC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years19.51%
5 Years21.31%
3 Years19.57%
TTM-

Profit CAGR

10 Years18.01%
5 Years22.04%
3 Years-0.27%
TTM3.05%

EPS CAGR

10 Years10.88%
5 Years13.98%
3 Years0%
TTM3.92%

Return on Capital

10 Years10.42%
5 Years9.9%
3 Years8.62%
Last Year2.91%

EFSC Recent Earnings

Enterprise Financial Services Corp (EFSC) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 8/12 qtrs (67%)●Beat Revenue 2/12 qtrs (17%)
Q2 2026Latest
Apr 22, 2026
Metric
Actual
Est
EPS
$1.31+0.8%
$1.30
Rev
$189M+11.3%
$170M
Q1 2026
Jan 26, 2026
Metric
Actual
Est
EPS
$1.36+2.3%
$1.33
Rev
$191M+1.3%
$189M
Q4 2025
Oct 27, 2025
Metric
Actual
Est
EPS
$1.20-7.0%
$1.29
Rev
$177M-2.5%
$181M
Q3 2025
Jul 28, 2025
Metric
Actual
Est
EPS
$1.37+13.2%
$1.21
Rev
$143M-15.3%
$169M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 22, 2026
$1.31vs $1.30+0.8%
$189Mvs $170M+11.3%
Q1 2026Jan 26, 2026
$1.36vs $1.33+2.3%
$191Mvs $189M+1.3%
Q4 2025Oct 27, 2025
$1.20vs $1.29-7.0%
$177Mvs $181M-2.5%
Q3 2025Jul 28, 2025
$1.37vs $1.21+13.2%
$143Mvs $169M-15.3%
Based on last 12 quarters of dataView full earnings history →

Latest EFSC News

Recent stock market news and headlines for Enterprise Financial Services Corp (EFSC)

Zacks Investment Research·Jun 26, 2026
Why Enterprise Financial Services (EFSC) is a Great Dividend Stock Right Now

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Enterprise Financial Services (EFSC) have what it takes?

Peers Comparison

Key metrics vs top competitors for Enterprise Financial Services Corp (EFSC)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
EFSC logoEFSCEnterprise Financial Services CorpCurrent
$65.68$2.4B12.3712.03%22.07%10.42%1.84%
IBCP logoIBCPIndependent Bank Corporation
$35.90$739.76M10.98-0.3%22.54%14.15%—
FFIN logoFFINFirst Financial Bankshares, Inc.
$34.75$4.98B19.6311.71%31.14%14.2%—
CVBF logoCVBFCVB Financial Corp.
$22.76$3.09B14.97-2.33%32.4%9.16%—
SFBS logoSFBSServisFirst Bancshares, Inc.
$87.80$4.8B17.354.13%29.04%16.31%—
BOKF logoBOKFBOK Financial Corporation
$140.12$8.51B15.26-1.07%18.3%10.31%—

Compare EFSC vs Peers

Enterprise Financial Services Corp (EFSC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs IBCP

Most directly comparable listed peer for EFSC.

Scale Benchmark

vs ICE

Larger-name benchmark to compare EFSC against a more recognizable public peer.

Peer Set

Compare Top 5

vs IBCP, FFIN, CVBF, SFBS

EFSC SEC Filings & Documents

Enterprise Financial Services Corp (EFSC) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Jun 17, 2026·SEC

Material company update

Jun 9, 2026·SEC

Material company update

May 15, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 27, 2026·SEC

FY 2025

Feb 28, 2025·SEC

FY 2024

Feb 26, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 1, 2026·SEC

FY 2025

Oct 31, 2025·SEC

FY 2025

Aug 1, 2025·SEC

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EFSC Frequently Asked Questions

Enterprise Financial Services Corp (EFSC) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Enterprise Financial Services Corp growing?

Enterprise Financial Services Corp (EFSC) grew revenue by 12.0% over the past year. This is steady growth.

Is EFSC profitable?

Yes, Enterprise Financial Services Corp (EFSC) is profitable, generating $200.8M in net income for fiscal year 2025 (22.1% net margin).

Dividend & Returns
Does EFSC pay dividends?

Yes, Enterprise Financial Services Corp (EFSC) pays a dividend with a yield of 1.84%. This makes it attractive for income-focused investors.

What is EFSC's return on equity?

Enterprise Financial Services Corp (EFSC) has a return on equity (ROE) of 10.4%. This is reasonable for most industries.

Industry Metrics
What is Enterprise Financial Services Corp's net interest margin?

Enterprise Financial Services Corp (EFSC) has a net interest margin (NIM) of 3.6%. This indicates healthy earnings from lending activities.

What is Enterprise Financial Services Corp's efficiency ratio?

Enterprise Financial Services Corp (EFSC) has an efficiency ratio of 37.3%. This is excellent, indicating strong cost control.

What if you invested $1,000 in EFSC back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →