Enterprise Financial Services Corp Logo

Enterprise Financial Services Corp

EFSC

(3.0)
Stock Price

53,38 USD

1.54% ROA

11.87% ROE

7.84x PER

Market Cap.

1.644.218.688,00 USD

20.98% DER

2.27% Yield

64.57% NPM

Enterprise Financial Services Corp Stock Analysis

Enterprise Financial Services Corp Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Enterprise Financial Services Corp Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.91x) suggests it's undervalued, making it an attractive opportunity for investors.

2 DER

The stock has a minimal amount of debt (21%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 Dividend Growth

The company has demonstrated exceptional dividend growth over the past five years, consistently increasing payouts to shareholders year after year.

4 Dividend

Investors can trust the company's impressive dividend track record, consistently distributing dividends over the past five years, showcasing a strong commitment to rewarding shareholders.

5 ROE

ROE in an average range (13.21%) suggests satisfactory profitability and decent utilization of shareholders' equity.

6 ROA

The stock's ROA (1.54%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

7 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

8 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (86), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

9 Revenue Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

10 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

11 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

Enterprise Financial Services Corp Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Enterprise Financial Services Corp Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Enterprise Financial Services Corp Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Enterprise Financial Services Corp Revenue
Year Revenue Growth
1996 1.585.202
1997 1.251.039 -26.71%
1998 2.789.611 55.15%
1999 3.586.992 22.23%
2000 31.928.974 88.77%
2001 27.526.766 -15.99%
2002 37.169.716 25.94%
2003 42.792.456 13.14%
2004 43.846.328 2.4%
2005 53.531.000 18.09%
2006 68.193.000 21.5%
2007 80.725.000 15.52%
2008 91.996.000 12.25%
2009 82.130.000 -12.01%
2010 107.984.000 23.94%
2011 131.193.000 17.69%
2012 151.381.000 13.34%
2013 145.051.000 -4.36%
2014 133.999.000 -8.25%
2015 141.085.000 5.02%
2016 164.554.000 14.26%
2017 211.698.000 22.27%
2018 230.252.000 8.06%
2019 287.893.000 20.02%
2020 324.504.000 11.28%
2021 427.937.000 24.17%
2022 471.345.000 9.21%
2023 48.340.000 -875.06%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Enterprise Financial Services Corp Research and Development Expenses
Year Research and Development Expenses Growth
1996 0
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Enterprise Financial Services Corp General and Administrative Expenses
Year General and Administrative Expenses Growth
1996 2.400.165
1997 3.221.147 25.49%
1998 5.103.863 36.89%
1999 6.748.905 24.37%
2000 13.251.757 49.07%
2001 15.877.831 16.54%
2002 16.864.830 5.85%
2003 17.698.276 4.71%
2004 18.553.251 4.61%
2005 22.130.000 16.16%
2006 25.247.000 12.35%
2007 29.555.000 14.58%
2008 31.024.000 4.74%
2009 28.116.000 -10.34%
2010 30.747.000 8.56%
2011 36.839.000 16.54%
2012 43.497.000 15.31%
2013 47.278.000 8%
2014 48.433.000 2.38%
2015 49.291.000 1.74%
2016 49.846.000 1.11%
2017 61.388.000 18.8%
2018 66.039.000 7.04%
2019 81.295.000 18.77%
2020 92.288.000 11.91%
2021 124.904.000 26.11%
2022 147.029.000 15.05%
2023 163.084.000 9.84%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Enterprise Financial Services Corp EBITDA
Year EBITDA Growth
1996 8.527.536
1997 12.432.496 31.41%
1998 17.219.170 27.8%
1999 21.008.809 18.04%
2000 37.405.734 43.84%
2001 24.238.635 -54.32%
2002 22.640.860 -7.06%
2003 23.631.926 4.19%
2004 27.285.147 13.39%
2005 43.049.000 36.62%
2006 70.006.000 38.51%
2007 91.933.000 23.85%
2008 61.953.000 -48.39%
2009 2.913.000 -2026.78%
2010 47.108.000 93.82%
2011 71.263.000 33.9%
2012 69.489.000 -2.55%
2013 72.905.000 4.69%
2014 58.922.000 -23.73%
2015 73.881.000 20.25%
2016 91.920.000 19.62%
2017 117.642.000 21.86%
2018 156.509.000 24.83%
2019 127.298.000 -22.95%
2020 103.772.000 -22.67%
2021 182.781.000 43.23%
2022 253.679.000 27.95%
2023 228.200.000 -11.17%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Enterprise Financial Services Corp Gross Profit
Year Gross Profit Growth
1996 1.585.202
1997 1.251.039 -26.71%
1998 2.789.611 55.15%
1999 3.586.992 22.23%
2000 31.928.974 88.77%
2001 27.526.766 -15.99%
2002 37.169.716 25.94%
2003 42.792.456 13.14%
2004 43.846.328 2.4%
2005 53.531.000 18.09%
2006 68.193.000 21.5%
2007 80.725.000 15.52%
2008 91.996.000 12.25%
2009 82.130.000 -12.01%
2010 107.984.000 23.94%
2011 131.193.000 17.69%
2012 151.381.000 13.34%
2013 144.007.000 -5.12%
2014 133.999.000 -7.47%
2015 141.085.000 5.02%
2016 164.554.000 14.26%
2017 211.698.000 22.27%
2018 230.252.000 8.06%
2019 287.893.000 20.02%
2020 324.504.000 11.28%
2021 427.937.000 24.17%
2022 471.345.000 9.21%
2023 48.340.000 -875.06%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Enterprise Financial Services Corp Net Profit
Year Net Profit Growth
1996 1.701.952
1997 2.222.544 23.42%
1998 3.010.774 26.18%
1999 3.820.185 21.19%
2000 5.201.446 26.56%
2001 -2.534.691 305.21%
2002 5.001.480 150.68%
2003 6.925.219 27.78%
2004 8.214.527 15.7%
2005 11.295.000 27.27%
2006 15.472.000 27%
2007 17.578.000 11.98%
2008 4.430.000 -296.79%
2009 -47.955.000 109.24%
2010 9.120.000 625.82%
2011 25.423.000 64.13%
2012 28.296.000 10.15%
2013 33.104.000 14.52%
2014 27.173.000 -21.83%
2015 38.450.000 29.33%
2016 48.837.000 21.27%
2017 48.190.000 -1.34%
2018 89.217.000 45.99%
2019 92.739.000 3.8%
2020 74.384.000 -24.68%
2021 133.055.000 44.1%
2022 203.043.000 34.47%
2023 178.660.000 -13.65%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Enterprise Financial Services Corp Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1996 1
1997 1 100%
1998 1 0%
1999 0 0%
2000 1 0%
2001 0 0%
2002 1 0%
2003 1 0%
2004 1 0%
2005 1 100%
2006 1 0%
2007 1 0%
2008 0 0%
2009 -4 100%
2010 0 0%
2011 1 100%
2012 1 0%
2013 2 0%
2014 1 0%
2015 2 0%
2016 2 50%
2017 2 0%
2018 4 33.33%
2019 4 0%
2020 3 -50%
2021 4 33.33%
2022 5 40%
2023 5 -25%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Enterprise Financial Services Corp Free Cashflow
Year Free Cashflow Growth
1996 1.533.349
1997 -688.546 322.69%
1998 -2.944.431 76.62%
1999 6.866.802 142.88%
2000 6.254.054 -9.8%
2001 -4.257.761 246.89%
2002 10.891.874 139.09%
2003 15.026.364 27.51%
2004 13.358.833 -12.48%
2005 12.658.000 -5.54%
2006 9.806.000 -29.08%
2007 21.654.000 54.72%
2008 12.823.000 -68.87%
2009 28.196.000 54.52%
2010 48.267.000 41.58%
2011 26.221.000 -84.08%
2012 32.698.000 19.81%
2013 27.970.000 -16.9%
2014 29.593.000 5.48%
2015 45.076.000 34.35%
2016 80.025.000 43.67%
2017 43.245.000 -85.05%
2018 105.773.000 59.12%
2019 86.120.000 -22.82%
2020 133.255.000 35.37%
2021 158.075.000 15.7%
2022 214.710.000 26.38%
2023 48.876.000 -339.3%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Enterprise Financial Services Corp Operating Cashflow
Year Operating Cashflow Growth
1996 2.082.568
1997 832.017 -150.3%
1998 -1.718.695 148.41%
1999 7.624.036 122.54%
2000 8.272.712 7.84%
2001 -1.420.178 682.51%
2002 11.424.203 112.43%
2003 15.979.694 28.51%
2004 15.081.657 -5.95%
2005 16.163.000 6.69%
2006 17.397.000 7.09%
2007 25.033.000 30.5%
2008 20.290.000 -23.38%
2009 28.748.000 29.42%
2010 49.224.000 41.6%
2011 27.131.000 -81.43%
2012 37.373.000 27.4%
2013 29.308.000 -27.52%
2014 31.494.000 6.94%
2015 47.187.000 33.26%
2016 82.521.000 42.82%
2017 45.791.000 -80.21%
2018 108.808.000 57.92%
2019 92.457.000 -17.68%
2020 135.514.000 31.77%
2021 160.575.000 15.61%
2022 216.640.000 25.88%
2023 49.466.000 -337.96%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Enterprise Financial Services Corp Capital Expenditure
Year Capital Expenditure Growth
1996 549.219
1997 1.520.563 63.88%
1998 1.225.736 -24.05%
1999 757.234 -61.87%
2000 2.018.658 62.49%
2001 2.837.583 28.86%
2002 532.329 -433.05%
2003 953.330 44.16%
2004 1.722.824 44.66%
2005 3.505.000 50.85%
2006 7.591.000 53.83%
2007 3.379.000 -124.65%
2008 7.467.000 54.75%
2009 552.000 -1252.72%
2010 957.000 42.32%
2011 910.000 -5.16%
2012 4.675.000 80.53%
2013 1.338.000 -249.4%
2014 1.901.000 29.62%
2015 2.111.000 9.95%
2016 2.496.000 15.42%
2017 2.546.000 1.96%
2018 3.035.000 16.11%
2019 6.337.000 52.11%
2020 2.259.000 -180.52%
2021 2.500.000 9.64%
2022 1.930.000 -29.53%
2023 590.000 -227.12%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Enterprise Financial Services Corp Equity
Year Equity Growth
1996 14.757.893
1997 26.066.792 43.38%
1998 29.240.129 10.85%
1999 32.763.685 10.75%
2000 53.483.783 38.74%
2001 51.896.603 -3.06%
2002 58.809.950 11.76%
2003 65.387.704 10.06%
2004 72.725.650 10.09%
2005 92.605.000 21.47%
2006 132.994.000 30.37%
2007 173.149.000 23.19%
2008 217.788.000 20.5%
2009 163.912.000 -32.87%
2010 183.348.000 10.6%
2011 239.565.000 23.47%
2012 235.745.000 -1.62%
2013 279.705.000 15.72%
2014 316.241.000 11.55%
2015 350.829.000 9.86%
2016 387.098.000 9.37%
2017 548.573.000 29.44%
2018 603.804.000 9.15%
2019 867.185.000 30.37%
2020 1.078.975.000 19.63%
2021 1.529.116.000 29.44%
2022 1.522.263.000 -0.45%
2023 1.611.880.000 5.56%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Enterprise Financial Services Corp Assets
Year Assets Growth
1996 184.584.113
1997 291.364.856 36.65%
1998 375.303.918 22.37%
1999 488.001.444 23.09%
2000 710.063.190 31.27%
2001 795.249.563 10.71%
2002 876.786.501 9.3%
2003 907.726.204 3.41%
2004 1.059.950.099 14.36%
2005 1.286.968.000 17.64%
2006 1.535.587.000 16.19%
2007 1.999.118.000 23.19%
2008 2.270.174.000 11.94%
2009 2.365.655.000 4.04%
2010 2.805.840.000 15.69%
2011 3.377.779.000 16.93%
2012 3.325.786.000 -1.56%
2013 3.170.197.000 -4.91%
2014 3.277.003.000 3.26%
2015 3.608.483.000 9.19%
2016 4.081.328.000 11.59%
2017 5.289.225.000 22.84%
2018 5.645.662.000 6.31%
2019 7.333.791.000 23.02%
2020 9.751.571.000 24.79%
2021 13.537.358.000 27.97%
2022 13.054.172.000 -3.7%
2023 14.025.042.000 6.92%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Enterprise Financial Services Corp Liabilities
Year Liabilities Growth
1996 169.826.220
1997 265.298.064 35.99%
1998 346.063.789 23.34%
1999 455.237.759 23.98%
2000 645.579.407 29.48%
2001 732.352.960 11.85%
2002 802.976.551 8.8%
2003 842.338.500 4.67%
2004 987.224.449 14.68%
2005 1.194.030.000 17.32%
2006 1.402.593.000 14.87%
2007 1.825.969.000 23.19%
2008 2.052.386.000 11.03%
2009 2.201.743.000 6.78%
2010 2.622.492.000 16.04%
2011 3.138.214.000 16.43%
2012 3.090.041.000 -1.56%
2013 2.890.492.000 -6.9%
2014 2.960.762.000 2.37%
2015 3.257.654.000 9.11%
2016 3.694.230.000 11.82%
2017 4.740.652.000 22.07%
2018 5.041.858.000 5.97%
2019 628.836.000 -701.78%
2020 554.718.000 -13.36%
2021 558.762.000 0.72%
2022 11.531.909.000 95.15%
2023 338.216.000 -3309.63%

Enterprise Financial Services Corp Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
11.01
Net Income per Share
5.61
Price to Earning Ratio
7.84x
Price To Sales Ratio
4x
POCF Ratio
7.54
PFCF Ratio
7.64
Price to Book Ratio
1.02
EV to Sales
3.91
EV Over EBITDA
5.64
EV to Operating CashFlow
7.37
EV to FreeCashFlow
7.47
Earnings Yield
0.13
FreeCashFlow Yield
0.13
Market Cap
1,64 Bil.
Enterprise Value
1,61 Bil.
Graham Number
73.76
Graham NetNet
-3.94

Income Statement Metrics

Net Income per Share
5.61
Income Quality
1.04
ROE
0.13
Return On Assets
0.01
Return On Capital Employed
0.09
Net Income per EBT
0.79
EBT Per Ebit
0.89
Ebit per Revenue
0.92
Effective Tax Rate
0.21

Margins

Sales, General, & Administrative to Revenue
0.4
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.02
Gross Profit Margin
0.59
Operating Profit Margin
0.92
Pretax Profit Margin
0.82
Net Profit Margin
0.65

Dividends

Dividend Yield
0.02
Dividend Yield %
2.27
Payout Ratio
0.19
Dividend Per Share
1

Operating Metrics

Operating Cashflow per Share
5.83
Free CashFlow per Share
5.76
Capex to Operating CashFlow
-0.01
Capex to Revenue
-0.01
Capex to Depreciation
-0.23
Return on Invested Capital
0.12
Return on Tangible Assets
0.02
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.07

Balance Sheet

Cash per Share
5,11
Book Value per Share
43,13
Tangible Book Value per Share
356.09
Shareholders Equity per Share
43.13
Interest Debt per Share
13.17
Debt to Equity
0.21
Debt to Assets
0.02
Net Debt to EBITDA
-0.13
Current Ratio
0
Tangible Asset Value
13,31 Bil.
Net Current Asset Value
-0,15 Bil.
Invested Capital
0.21
Working Capital
0,19 Bil.
Intangibles to Total Assets
0.03
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.21

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Enterprise Financial Services Corp Dividends
Year Dividends Growth
2005 0
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 100%

Enterprise Financial Services Corp Profile

About Enterprise Financial Services Corp

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. 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.

CEO
Mr. James Brian Lally
Employee
1.172
Address
150 North Meramec Avenue
Clayton, 63105

Enterprise Financial Services Corp Executives & BODs

Enterprise Financial Services Corp Executives & BODs
# Name Age
1 Ms. Nicole M. Iannacone
Senior EVice President, Chief Legal Officer & Corporate Secretary
70
2 Mr. Scott R. Goodman
Senior Executive Vice President
70
3 Mr. Mark G. Ponder
Senior Executive Vice President & Chief Administrative Officer
70
4 Mr. Douglas N. Bauche
Senior EVice President & Chief Credit Officer
70
5 Mr. Troy R. Dumlao
Executive Vice President & Chief Accounting Officer
70
6 Mr. James Brian Lally
President, Chief Executive Officer & Director
70
7 Steve Richardson
Senior Vice President of Corporate Communications
70

Enterprise Financial Services Corp Competitors