Enterprise Financial Services Corp (EFSC) Stock Price & Analysis
Enterprise Financial Services Corp (EFSC) is trading at USD 61.36, up 0.57% today, as of October 23, 2026 at 13:31 UTC (US market open; quotes may be delayed), according to Nexqual market data.
EFSC last closed at USD 61.01; today's session has ranged USD 61.01–61.36 on volume of 10,614 shares. Market capitalization is $2.19B, with a 52-week range of USD 51.18–68.73 (NMS). Source: Nexqual, retrieved October 23, 2026 at 13:34 UTC.
Also available as compact Markdown for AI agents: nexqual.com/EFSC.md
Key facts (EFSC)
- Last four reported quarters (through Jun 30, 2026): revenue $768M, net income $190M (24.8% margin) (SEC filings).
- Valuation: P/E 11.5x (avg 10.0x at the last 3 fiscal year-ends).
- Insider open-market sales, last ~7 months: 1 Form 4 filings, $76K; 1 not under a Rule 10b5-1 plan ($76K); 0 by opportunistic insiders, 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
- Analysts: Buy (mean 2.00 on a 1–5 scale) (7 analysts), mean target USD 71 (range 68–74).
- Total return with dividends: 1Y +15.4% vs S&P 500 +14.9%; 5Y +45.5% vs S&P 500 +80.3%.
- Next earnings: 2026-10-21, EPS estimate USD 1.48, revenue estimate $199M.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (EFSC)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $428M | $533M | $631M | $638M | $740M | $768M |
| Net income | $133M | $203M | $194M | $185M | $201M | $190M |
| EPS (diluted) | $3.86 | $5.31 | $5.07 | $4.83 | $5.31 | — |
| Free cash flow | $158M | $215M | $262M | $240M | $182M | $211M |
| Net margin | 31.1% | 38.1% | 30.7% | 29.0% | 27.2% | 24.8% |
| Revenue growth | +31.9% | +24.6% | +18.4% | +1.0% | +16.0% | — |
| Cash + short-term investments | $2.02B | $291M | $433M | $764M | $682M | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (EFSC)
P/E 11.5x · P/S 2.9x · P/FCF 10.4x · P/B 1.1x · FCF yield 9.63% · Earnings yield 8.67% · Dividend yield (paid, TTM) 2.18% · Buyback yield (TTM) 2.44%
P/E at fiscal year-ends: Dec 2025 10.0x, Dec 2024 11.4x, Dec 2023 8.6x.
Insider sales (SEC Form 4, open-market, last ~7 months) (EFSC)
0 of 1 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.
| Trade date | Insider | Role | Shares | Value | % of holdings sold | 10b5-1 plan | Insider type |
|---|---|---|---|---|---|---|---|
| 2026-04-28 | Ponder Mark G | SEVP, Chief Admin. Officer | 1,250 | $76K | 5% | No | Too little history (no open-market trades in 2023–2025) |
% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).
Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.
Analysts (EFSC)
Consensus Buy (mean 2.00 on a 1–5 scale), 7 analysts; mean target USD 71 (low 68, high 74).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-09-24 | StoneX | Initiated | Buy | $70 |
| 2026-09-18 | Stephens & Co. | Initiated | Equal-Weight | $70 |
| 2026-07-27 | Piper Sandler | Target raised | Neutral | $67 → $68 |
| 2026-07-24 | Keefe, Bruyette & Woods | Target raised | Outperform | $70 → $72 |
| 2026-07-01 | Raymond James | Target raised | Outperform | $65 → $72 |
Total return (dividends reinvested) (EFSC)
| 1Y (from 2025-10-23) | 5Y (from 2021-10-25) | |
|---|---|---|
| Total return | +15.4% | +45.5% |
| S&P 500 (SPY) | +14.9% | +80.3% |
| Per year | +15.4% | +7.8% |
| Volatility (annualized) | 21.9% | 26.3% |
| Max drawdown | -14.0% (Jul 2026→Oct 2026) | -36.8% (Jan 2023→Oct 2023) |
EFSC company outlook (results filed Oct 21, 2026)
- “Noninterest income for the prior year quarter also included $32.1 million of anticipated insurance proceeds from a pending claim related to a recapture event with respect to a $24.1 million solar tax credit that the Company purchased and applied to prior taxable periods.”
- “Excluding the anticipated insurance proceeds from the pending claim related to the tax credit recapture event included in the prior year quarter, noninterest income decreased $3.3 million from the prior year quarter.”
- “Compared to the prior year quarter, the decrease was primarily driven by the $32.1 million in accrued insurance proceeds that are anticipated to be received as a result of the recaptured tax credits recognized in the prior year quarter that did not reoccur.”
- “Included in tax expense during the prior year quarter is $24.1 million in transferrable tax credits that were recaptured as discussed above and approximately $8.0 million of incremental tax liability attributable to the anticipated insurance proceeds from the insured recaptured credits.”
Quoted word-for-word from the SEC 8-K results press release.
EFSC analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Dec 2026) | $1.48 | $1.48 | +0.0% | $199.0M | 7 |
| Next quarter (ends Mar 2027) | $1.37 | $1.38 | -0.4% | $196.6M | 7 |
| Current fiscal year (ends Dec 2026) | $5.13 | $5.37 | -4.5% | $761.3M | 5 |
| Next fiscal year (ends Dec 2027) | $5.93 | $5.90 | +0.6% | $814.1M | 7 |
EFSC options: expected move
| Expiration | Days | ATM implied volatility | Expected move |
|---|---|---|---|
| Dec 18, 2026 | 56 | 28.0% | ±9.0% |
| Mar 19, 2027 | 147 | 24.3% | ±12.3% |
| Jun 17, 2027 | 237 | 24.1% | ±15.3% |
30-day implied volatility 30.8% vs 17% realized over the last 30 trading days. Put/call ratio (volume) —. Cboe delayed quotes (15 min). Expected move = at-the-money straddle.
Key Statistics (as of October 23, 2026 at 13:34 UTC)
| Price | USD 61.36 |
|---|---|
| Change | ▲ 0.57% (up) |
| Previous Close | USD 61.01 |
| Open | USD 61.01 |
| Day Range | USD 61.01 – 61.36 |
| 52-Week Range | USD 51.18 – 68.73 |
| Volume | 10,614 shares |
| Market Cap | $2.19B |
| Exchange | NMS |
Technical Analysis (EFSC)
Nexqual's technical model rates EFSC "SELL" based on 2 bullish and 5 bearish signals across 128 daily candles, as of October 23, 2026 at 13:34 UTC.
| Overall Signal | SELL |
|---|---|
| RSI (14) | 53.92 (neutral) |
| vs SMA50 | Below (USD 61.79) |
| MACD | -0.31 (negative) |
Analyst Ratings (EFSC)
Wall Street analysts rate EFSC "Buy" based on 7 analysts, with a mean price target of USD 71 (range USD 68–74), per Nexqual as of October 23, 2026 at 13:34 UTC.
| Consensus Rating | Buy |
|---|---|
| Analyst Count | 7 |
| Mean Target | USD 71 |
| High Target | USD 74 |
| Low Target | USD 68 |
| Buy / Hold / Sell | 5 / 2 / 0 |
Earnings (EFSC)
| Next Earnings Date | 2026-10-21 |
|---|---|
| EPS Estimate | USD 1.48 |
| Revenue Estimate | $199.00M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-09-30 | USD 1.17 vs est 1.38 ▼ miss |
| 2026-06-30 | USD 1.13 vs est 1.34 ▼ miss |
| 2026-03-31 | USD 1.31 vs est 1.3 ▲ beat |
| 2025-12-31 | USD 1.36 vs est 1.36 ▼ miss |
Source: Nexqual, October 23, 2026 at 13:34 UTC.
Financials & Fundamentals (EFSC)
| Total Revenue | $703.80M |
|---|---|
| Revenue Growth (latest quarter, YoY) | +4.90% |
| Gross Margin | +0.00% |
| Operating Margin | +31.51% |
| Profit Margin | +26.65% |
| ROE | +9.62% |
| Total Cash | $488.54M |
| Total Debt | $501.94M |
Source: Nexqual, October 23, 2026 at 13:34 UTC.
Financial Health Score (EFSC)
Nexqual rates Enterprise Financial Services Corp's overall financial health "Solid" across five dimensions, as of October 23, 2026 at 13:34 UTC.
| Growth | Strong — Revenue +16% YoY (annual) |
|---|---|
| Profitability | Strong — Net margin 27% (last 12 months); banks have no gross margin |
| Balance Sheet | N/A — Not comparable for banks: deposits and customer funds sit on the balance sheet, so cash vs debt does not measure safety (SEC industry: State Commercial Banks) |
| Cash Flow | N/A — Not meaningful for banks and lenders: lending and trading move operating cash flow by billions each year (SEC industry: State Commercial Banks) |
| Efficiency | Mixed — ROE 10%, ROA 1.1% |
Ownership (EFSC)
| Insider Ownership | +1.82% |
|---|---|
| Institutional Ownership | +86.73% |
| Shares Outstanding | 35.77M |
| Float | 34.48M |
| Short % of Float | +3.38% |
Source: Nexqual, October 23, 2026 at 13:34 UTC.
Leadership (EFSC)
Enterprise Financial Services Corp is led by James Brian Lally, President, CEO & Director, per Nexqual as of October 23, 2026 at 13:34 UTC.
| President, CEO & Director | James Brian Lally |
|---|---|
| Senior EVP, CFO & COO | Keene S. Turner |
| Senior Vice President of Corporate Communications | Steve Richardson |
Major Backers & Investors (EFSC)
Notable institutional backers of Enterprise Financial Services Corp include Wellington Management, Earnest Partners LLC, American Century Companies Inc, according to Nexqual as of October 23, 2026 at 13:34 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Wellington Management | 8.04% |
| Earnest Partners LLC | 3.85% |
| American Century Companies Inc | 3.35% |
| Nomura Asset Management International Inc | 2.57% |
| First Trust Advisors LP | 2.53% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 9.86% |
| Dimensional Fund Advisors | 6.16% |
| State Street | 4.43% |
| Vanguard Group | 4.32% |
| Geode Capital | 2.71% |
Source: Nexqual, October 23, 2026 at 13:34 UTC.
From Enterprise Financial Services Corp's Latest SEC 10-K Filing (filed 2026-02-27)
Legal & Regulatory Risks (Item 1A, quoted)
- Changes in government regulation and supervision may increase our costs or impact our ability to operate in certain lines of business.
- We are subject to numerous laws designed to protect consumers, including the CRA and fair lending laws, and failure to comply with these laws could lead to a wide variety of sanctions.
- We are subject to compliance with the Bank Secrecy Act and other anti-money laundering statutes and regulations, and failure to comply with these laws could lead to a wide variety of sanctions.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| BBD | Banco Bradesco Sa | USD 3.91 | ▼ 1.14% |
| FITB | Fifth Third Bancorp | USD 52.72 | ▼ 0.97% |
| DB | Deutsche Bank AG | USD 30.8 | ▼ 2.16% |
| TFC | Truist Financial Corporation | USD 48 | ▼ 0.86% |
| NWG | NatWest Group plc | USD 16.6 | ▼ 2.32% |
| NU | Nu Holdings Ltd. | USD 14.66 | ▼ 0.51% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 23, 2026 at 13:34 UTC. This page is informational and not investment advice.
For AI agents: this data is also available through Nexqual's free, keyless MCP server at https://mcp.nexqual.com/mcp; every result includes source_url, as_of and cite_as. More: nexqual.com/agents · llms.txt