Enterprise Financial Services Corp

$ 62.11 0.23 %

Enterprise Financial Services Corp (EFSC) serves as the parent financial holding company for Enterprise Bank & Trust. Through this subsidiary, it delivers a comprehensive array of banking and wealth management solutions to both individual and corporate clients. The company's core deposit offerings encompass checking, savings, and money market accounts, alongside certificates of deposit. On the lending side, EFSC extends a broad portfolio of credit facilities, including commercial and industrial loans, commercial real estate financing, construction and land development loans, residential real estate mortgages, agricultural loans, and consumer credit. Beyond traditional banking, the firm provides specialized business services such as treasury management and international trade support. It also operates a unique tax credit brokerage service, assisting clients with the acquisition and subsequent sale of tax credits. For wealth management, EFSC offers financial and estate planning, investment management, and trust services, catering to businesses, private individuals, institutions, retirement plans, and non-profit organizations. Additionally, its extensive service catalog includes fiduciary duties, expert financial advisory, merchant processing solutions, and various debit and credit card options. The company further embraces modern technology, offering international banking, insurance products, and digital platforms like internet and mobile banking. Operational efficiencies are supported by remote deposit capture, positive pay systems, robust fraud detection and prevention tools, automated payable services, and comprehensive check and statement/document imaging capabilities. Complementing these, its cash management products feature controlled disbursements, repurchase agreements, and sweep investment accounts. Geographically, Enterprise Financial Services Corp maintains a physical presence with banking branches and administrative offices in key markets across Arizona, California, Kansas, Missouri, Nevada, and New Mexico. Moreover, it operates a network of specialized SBA loan production offices and deposit production offices in numerous other states. Founded in 1988, Enterprise Financial Services Corp is headquartered in Clayton, Missouri.

CEO: James Brian Lally - https://www.enterprisebank.com

Price objectif

$67.5 8.68 %

Recommandation

Buy

DCF

$ 57.32

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EFSC vs S&P500

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Quick ratio

0.00

indicates that the company may have difficulty covering its short-term debts with its readily available assets.

P/E ratio

11.72

is considered reasonable, suggesting that the company has a valuation in line with its current profits.

EPS

5.30

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

10.08 %

reflects reasonable profitability, showing good use of equity.

ROIC

1.17 %

does not generate enough return to cover its financing costs, which indicates value destruction and may pose long-term profitability issues.

WACC

13.80

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

0.20

indicates that the company uses more equity than debt, suggesting prudent management.

Free cash flow per share

5.51

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

25.05 %

indicates that the company is retaining a large portion of its profits to reinvest in growth

Earnings per share

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Financials

Piotroski score
8 indicates good financial health
Altman score
0.30 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
0.00 indicates liquidity risk, as the company may not have enough cash to meet its immediate obligations
Debt Ratio
0.02 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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