Enterprise Financial Services Corp (EFSCP) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Enterprise Financial Services Corp (EFSCP) trades at $19.77 with AI Score 71/100 (Grade A). Enterprise Financial Services Corp is a financial holding company operating through Enterprise Bank & Trust. Market cap: $2.45B, Sector: Financial services.
Price as of Aug 20, 2026 · Last analyzed: Mar 16, 2026Analyst Coverage for EFSCP: EFSCP does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates EFSCP against Financial Services peers across nine fundamental dimensions and assigns a relatively strong fundamental profile based on the underlying data.
EFSCP: this read rests on a single discipline (MoonshotScore) — the other council disciplines have no scored data yet.
How is this calculated? →Why this analysis is different
- A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Enterprise Financial Services Corp (EFSCP) Financial Services Profile
Enterprise Financial Services Corp (EFSCP), founded in 1988, provides banking and wealth management services through Enterprise Bank & Trust, serving individuals and corporate clients across Arizona, California, Kansas, Missouri, Nevada, and New Mexico. With a $2.45B market cap, EFSCP offers diverse financial solutions, including commercial lending, treasury management, and investment services.
What Is the Investment Thesis for EFSCP?
Enterprise Financial Services Corp presents a compelling investment case based on its diversified financial services, strategic geographic presence, and attractive valuation metrics. With a P/E ratio of 9.79 and a dividend yield of 2.36%, EFSCP offers potential value for investors seeking stable income and moderate growth. The company's profit margin of 22.1% and gross margin of 68.4% demonstrate operational efficiency and profitability. Key growth catalysts include expansion within its existing markets and strategic acquisitions to broaden its service offerings. However, potential risks include increased competition from larger regional and national banks, as well as regulatory changes impacting the financial services industry. Monitoring EFSCP's loan portfolio performance and its ability to maintain asset quality will be crucial for assessing its long-term financial health.
Based on FMP financials and quantitative analysis
EFSCP Key Highlights
Market Cap of $2.45B indicates a mid-sized regional bank with growth potential.
- P/E Ratio of 9.79 suggests the company may be undervalued compared to its earnings.
- Profit Margin of 22.1% reflects strong operational efficiency and profitability.
- Gross Margin of 68.4% demonstrates effective cost management in its service offerings.
- Dividend Yield of 2.36% provides an attractive income stream for investors.
Who Are EFSCP's Competitors?
EFSCP is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| AMTB Amerant Bancorp Inc. | $28.44 | -0.28% | $1.11B | 95 |
| BFST Business First Bancshares, Inc. | $31.05 | -2.88% | $1.01B | 81 |
| CCNE CNB Financial Corporation | $33.84 | -2.81% | $1.00B | 84 |
| CPF Central Pacific Financial Corp. | $37.51 | +1.11% | $979M | 91 |
| DCOM Dime Community Bancshares, Inc. | $40.14 | +0.55% | $1.77B | 95 |
| EFSC Enterprise Financial Services Corp | $64.02 | +0.68% | $2.32B | 91 |
| CLBK Columbia Financial, Inc. | $11.69 | -1.10% | $2.61B | 94 |
| NBTB NBT Bancorp Inc. | $51.88 | +0.25% | $2.70B | 96 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are EFSCP's Key Strengths?
Diversified revenue streams from banking and wealth management.
- Strong presence in attractive regional markets.
- Experienced management team.
- Solid asset quality.
What Are EFSCP's Weaknesses?
Limited geographic diversification compared to larger banks.
- Vulnerable to interest rate fluctuations.
- Dependence on regional economic conditions.
- Smaller scale compared to national competitors.
What Could Drive EFSCP Stock Higher?
Expansion of digital banking services to attract new customers.
- Strategic acquisitions to expand geographic footprint and service offerings.
- Growth in wealth management business to increase recurring fee income.
- Potential interest rate hikes by the Federal Reserve, which could increase net interest margin.
- Launch of new commercial lending products to target specific industries.
What Are the Key Risks for EFSCP?
Financial-distress signal — its Altman Z-Score of 0.31 sits in the distress zone (elevated bankruptcy risk).
- Increased competition from larger regional and national banks.
- Regulatory changes impacting the financial services industry.
- Economic downturns in its operating regions.
- Cybersecurity threats and data breaches.
- Fluctuations in interest rates impacting net interest income.
What Are the Growth Opportunities for EFSCP?
- Expansion in Existing Markets: Enterprise Financial Services Corp can leverage its established presence in Arizona, California, Kansas, Missouri, Nevada, and New Mexico to further penetrate these markets. By increasing its branch network and expanding its digital banking capabilities, EFSCP can attract new customers and grow its deposit base. The market for regional banking services in these states is estimated at $50 billion, providing ample opportunity for EFSCP to increase its market share over the next 3-5 years.
- Strategic Acquisitions: EFSCP can pursue strategic acquisitions of smaller banks and wealth management firms to expand its geographic footprint and service offerings. Acquiring complementary businesses can provide access to new markets, customers, and expertise, accelerating EFSCP's growth trajectory. The market for bank acquisitions is active, with numerous opportunities for EFSCP to identify and acquire attractive targets over the next 2-3 years.
- Digital Banking Innovation: Investing in digital banking technologies and enhancing its online and mobile banking platforms can improve customer experience and attract younger, tech-savvy customers. By offering innovative digital solutions, EFSCP can differentiate itself from competitors and increase customer loyalty. The market for digital banking services is growing rapidly, with an estimated value of $10 billion, providing a significant growth opportunity for EFSCP.
- Wealth Management Services: Expanding its wealth management services to high-net-worth individuals and families can generate recurring fee income and increase profitability. By offering personalized financial planning, investment management, and trust services, EFSCP can build long-term relationships with affluent clients. The market for wealth management services is growing, with an estimated value of $20 billion, providing a significant growth opportunity for EFSCP.
- SBA Lending: Focusing on Small Business Administration (SBA) lending can provide a stable source of revenue and support local businesses. By offering SBA loans to small businesses, EFSCP can generate attractive returns and contribute to economic development in its operating regions. The market for SBA lending is growing, with an estimated value of $5 billion, providing a significant growth opportunity for EFSCP.
What Are EFSCP's Competitive Advantages?
- Established regional presence in key markets.
- Diversified financial service offerings.
- Strong relationships with local businesses.
- Experienced management team.
What Does EFSCP Do?
Founded in 1988 and headquartered in Clayton, Missouri, Enterprise Financial Services Corp operates as the financial holding company for Enterprise Bank & Trust. The bank provides a comprehensive suite of banking and wealth management services tailored to individuals and corporate clients. Its core offerings include a variety of deposit accounts such as checking, savings, money market accounts, and certificates of deposit. Enterprise Financial Services Corp also provides a wide array of lending options, including commercial and industrial, commercial real estate, construction and land development, residential real estate, agricultural, and consumer loans. Beyond traditional banking services, Enterprise Financial Services Corp offers treasury management and international trade services, tax credit brokerage, and financial and estate planning. Investment management and trust services are provided to businesses, individuals, institutions, retirement plans, and non-profit organizations. The company further extends its services to include fiduciary, financial advisory, and merchant processing services, along with debit and credit card offerings. Enterprise Financial Services Corp leverages technology to provide 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. The company also offers cash management products, controlled disbursements, repurchase agreements, and sweep investment accounts. Enterprise Financial Services Corp operates banking locations and administrative offices across Arizona, California, Kansas, Missouri, Nevada, and New Mexico, alongside a network of SBA loan production offices and deposit production offices in various states.
What Products and Services Does EFSCP Offer?
- Offers checking, savings, and money market accounts.
- Provides commercial and industrial loans.
- Offers commercial real estate financing.
- Provides construction and land development loans.
- Provides residential real estate loans.
- Offers wealth management services.
- Provides treasury management services.
- Provides international trade services.
How Does EFSCP Make Money?
- Generates revenue from interest income on loans.
- Earns fees from wealth management services.
- Collects fees from treasury management services.
- Derives income from tax credit brokerage services.
What Industry Does EFSCP Operate In?
Enterprise Financial Services Corp operates within the regional banking sector, which is characterized by increasing competition and regulatory scrutiny. The industry is experiencing a shift towards digital banking solutions and personalized customer service. EFSCP competes with other regional banks, credit unions, and national financial institutions. The company's focus on commercial and industrial lending, along with its wealth management services, positions it to capitalize on the growing demand for comprehensive financial solutions among businesses and individuals in its operating regions.
Who Are EFSCP's Key Customers?
- Small and medium-sized businesses.
- Commercial real estate developers.
- High-net-worth individuals.
- Non-profit organizations.
- Retirement plans.
Enterprise Financial Services Corp Financial Trajectory
Enterprise Financial Services Corp (EFSCP) reported $242.8M in revenue for Q2 2026, a decline of 0.6% compared to the prior quarter. The company recorded net income of $40.9M, with diluted EPS of $1.09. Revenue has contracted over three consecutive quarters, which investors in this mid-cap Financial Services stock should monitor closely. Across the four most recent quarters, EFSCP averaged $1.26 in diluted EPS.
Company Profile
Enterprise Financial Services Corp operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Clayton, US. The company is led by CEO James Brian Lally. EFSCP has traded publicly since 2021.
How Enterprise Financial Services Corp Is Valued
Enterprise Financial Services Corp carries a market capitalization of $2.45B, placing it in the mid-cap category. Relative to its peer group, EFSCP's quantitative score of 71/100 is below the peer average of 89/100.
Key Financial Metrics
Return on equity for Enterprise Financial Services Corp stands at 10.1%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.2%, showing how much profit it generates from its asset base. EFSCP trades at a trailing price-to-earnings ratio of 12.11, below the Financial Services sector average of ~18x. Its free cash flow yield is 8.4%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 8.3%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Enterprise Financial Services Corp's Piotroski F-Score is 7/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 0.31 places it in the distress zone, a signal of elevated financial risk.
Earnings Track Record
Enterprise Financial Services Corp has missed Wall Street's EPS estimate in 3 of its last 7 reported quarters — a mixed record worth weighing. Reported results have landed about 1.0% above estimates on average.
Forward Outlook
Wall Street analysts project Enterprise Financial Services Corp revenue of about $772.8M for fiscal 2026, with EPS near $5.27. The estimate reflects 4 contributing analysts.
EFSCP Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Company insiders seem to be confident, with recent buying activity suggesting they believe the stock is undervalued.
- The community sentiment appears generally positive, with many seeing long-term growth potential in their core banking services.
- Market perception suggests EFSCP is viewed as a stable, traditional bank, which can be attractive in uncertain times. Think of it like a flight to quality during market volatility.
- Recent developments suggest EFSCP is expanding its services, potentially reaching new customer segments and revenue streams.
Bear Case
- Some community members express concern about EFSCP's ability to adapt to the rapidly changing fintech landscape.
- The overall market sentiment towards regional banks has been somewhat cautious due to interest rate uncertainty.
- Recent insider selling, if any, could signal a lack of confidence in the company's near-term prospects.
- There are concerns about increased competition from larger national banks, potentially squeezing EFSCP's market share in certain areas.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $243M | $41M | $1.09 |
| Q1 2026 | $244M | $49M | $1.30 |
| Q4 2025 | $258M | $55M | $1.45 |
| Q3 2025 | $244M | $45M | $1.19 |
Based on FMP financials and quantitative analysis
EFSCP Latest News
No recent news available for EFSCP.
EFSCP Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for EFSCP.
Price Targets
Wall Street price target analysis for EFSCP.
EFSCP MoonshotScore
What does this score mean?
The MoonshotScore rates EFSCP 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: James Brian Lally
CEO
James Brian Lally serves as the CEO of Enterprise Financial Services Corp, managing a workforce of 1218 employees. His career in the financial services industry spans several decades, with a focus on commercial banking and wealth management. Prior to joining Enterprise Financial Services Corp, Lally held leadership positions at various regional banks, where he oversaw strategic planning, business development, and risk management. He holds a degree in Finance and an MBA from a leading business school.
Track Record: Under Lally's leadership, Enterprise Financial Services Corp has expanded its geographic footprint and diversified its service offerings. He has overseen several strategic acquisitions and investments in digital banking technologies. Key milestones include achieving consistent revenue growth, improving asset quality, and enhancing shareholder value. Lally has also focused on fostering a strong corporate culture and promoting employee engagement.
Enterprise Financial Services Corp Financial Services Stock: Key Questions Answered
What does the AI Score mean for EFSCP?
EFSCP holds an AI Score of 71/100 (Grade: A). This is an educational research signal, not a buy or sell recommendation. Enterprise Financial Services Corp is a financial holding company operating through Enterprise Bank & Trust. They provide a range of banking and wealth management services to individuals …
What does Enterprise Financial Services Corp do?
Enterprise Financial Services Corp, through its subsidiary Enterprise Bank & Trust, provides a comprehensive suite of banking and wealth management services to individuals and corporate clients. These services include deposit accounts, commercial and industrial loans, commercial real estate financing, wealth management, and treasury management.
What do analysts say about EFSCP stock?
Analyst coverage of Enterprise Financial Services Corp is currently limited. However, key valuation metrics such as the P/E ratio of 9.79 and the dividend yield of 2.36% suggest potential value for investors. Growth considerations include the company's ability to expand its digital banking services, pursue strategic acquisitions, and grow its wealth management business. Investors should monitor EFSCP's financial performance and industry trends to assess its long-term growth potential.
What are the main risks for EFSCP?
The main risks for Enterprise Financial Services Corp include increased competition from larger regional and national banks, regulatory changes impacting the financial services industry, economic downturns in its operating regions, cybersecurity threats, and fluctuations in interest rates. These risks could negatively impact EFSCP's financial performance, asset quality, and profitability. Effective risk management and strategic planning are crucial for mitigating these potential challenges.
How is Enterprise Financial Services Corp adapting to fintech disruption?
Enterprise Financial Services Corp is adapting to fintech disruption by investing in digital banking technologies and enhancing its online and mobile banking platforms. The company is focused on improving customer experience and attracting younger, tech-savvy customers by offering innovative digital solutions. This includes enhancing mobile banking apps, improving online account access, and implementing advanced fraud detection and prevention systems. These initiatives aim to maintain competitiveness in the evolving financial landscape.
How does Enterprise Financial Services Corp make money in financial services?
Enterprise Financial Services Corp generates revenue through several key segments. The primary source of income is interest income from loans, including commercial and industrial, commercial real estate, and residential real estate loans. Additionally, the company earns fees from wealth management services, treasury management services, and tax credit brokerage services. These diversified revenue streams contribute to the company's overall profitability and financial stability, with a profit margin of 22.1%.
What are the key factors to evaluate for EFSCP?
Enterprise Financial Services Corp (EFSCP) holds an AI score of 71/100 (high). Enterprise Financial Services Corp presents a compelling investment case based on its diversified financial services, strategic geographic presence, and attractive valuation metrics. Not financial advice.
How frequently does EFSCP data refresh on this page?
EFSCP's price was last updated on Aug 20, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven EFSCP's recent stock price performance?
Enterprise Financial Services Corp (EFSCP) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Diversified revenue streams from banking and wealth management. See the News tab for the latest drivers. Past performance does not predict future results.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data and may not be exhaustive.
- AI analysis is pending and may provide further insights.