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    Enterprise Financial Services (EFSC)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $59.27
    +0.63 (+1.07%)

    Market Cap: $2.12B

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    69%(27/39)
    Avg Surprise
    -2.33%

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$1.39
    Range$1.31 - $1.41
    7 analysts
    EPS RevisionsNo revisions (7d)
    0
    4
    30d
    EPS Estimate DriftChange to current
    90d ago$1.43-2.7%
    60d ago$1.40-0.9%
    30d ago$1.40-0.9%
    7d ago$1.390.0%
    Current$1.39
    Revenue Consensus
    $194M
    Range$190M - $203M
    5 analysts
    Period ending Dec 31, 2026
    EPS Consensus$1.27
    Range$1.12 - $1.31
    7 analysts
    Revenue Consensus
    $217M
    Range$199M - $254M
    5 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$1.27---
    Sep 26EST
    		-$1.39---
    Jun 26
    Reported Jul 22
    		$1.13$1.35-16.30%Miss-17.5%
    Mar 26
    Reported Apr 22
    		$1.31$1.30+0.77%Beat+0.0%
    Dec 25
    Reported Jan 26
    		$1.36$1.36+0.00%Beat+3.0%
    Sep 25
    Reported Oct 27
    		$1.20$1.29-6.98%Miss-7.0%
    Jun 25
    Reported Jul 28
    		$1.37$1.21+13.22%Beat+13.2%
    Mar 25
    Reported Apr 28
    		$1.31$1.17+11.97%Beat+22.4%
    Dec 24
    Reported Jan 27
    		$1.32$1.16+13.79%Beat+9.1%
    Sep 24
    Reported Oct 21
    		$1.29$1.14+13.16%Beat+10.3%
    Jun 24
    Reported Jul 22
    		$1.21$1.06+14.15%Beat-6.2%
    Mar 24
    Reported Apr 22
    		$1.07$1.11-3.60%Miss-26.7%
    Dec 23
    Reported Jan 22
    		$1.21$1.19+1.68%Beat-23.4%
    Sep 23
    Reported Oct 23
    		$1.17$1.24-5.65%Miss-11.4%
    Jun 23
    Reported Jul 24
    		$1.29$1.29+0.00%Beat+8.4%
    Mar 23
    Reported Apr 24
    		$1.46$1.37+6.57%Beat+18.7%
    Dec 22
    Reported Jan 23
    		$1.58$1.35+17.04%Beat+28.5%
    Sep 22
    Reported Oct 24
    		$1.32$1.24+6.45%Beat+428.0%
    Jun 22
    Reported Jul 25
    		$1.19$1.12+6.25%Beat+14.4%
    Mar 22
    Reported Apr 25
    		$1.23$1.12+9.82%Beat+64.0%
    Dec 21
    Reported Jan 24
    		$1.23$1.19+3.36%Beat+68.5%
    Sep 21
    Reported Oct 25
    		$0.25N/A-75.25%Miss-52.8%
    Jun 21
    Reported Jul 26
    		$1.04$1.09-4.59%Miss+136.4%
    Mar 21
    Reported Apr 26
    		$0.75$0.95-21.05%Miss+56.3%
    Dec 20
    Reported Jan 25
    		$0.73$0.90-18.89%Miss-33.0%
    Sep 20
    Reported Oct 19
    		$0.53$0.92-42.39%Miss-51.4%
    Jun 20
    Reported Jul 20
    		$0.44$0.55-20.00%Miss-55.1%
    Mar 20
    Reported Apr 20
    		$0.48$0.75-36.00%Miss-47.3%
    Dec 19
    Reported Jan 20
    		$1.09$1.09+0.00%Beat+1.9%
    Sep 19
    Reported Oct 21
    		$1.09$0.99+10.10%Beat+26.7%
    Jun 19
    Reported Jul 22
    		$0.98$0.93+5.38%Beat+14.0%
    Mar 19
    Reported Apr 22
    		$0.91$0.86+5.81%Beat+8.3%
    Dec 18
    Reported Jan 21
    		$1.07$0.95+12.63%Beat+39.0%
    Sep 18
    Reported Oct 22
    		$0.86$0.89-3.37%Miss+22.9%
    Jun 18
    Reported Jul 23
    		$0.86$0.86+0.00%Beat+34.4%
    Mar 18
    Reported Apr 23
    		$0.84$0.84+0.00%Beat+42.4%
    Dec 17
    Reported Jan 22
    		$0.77$0.76+1.32%Beat+30.5%
    Sep 17
    Reported Oct 23
    		$0.70$0.68+2.94%Beat-
    Jun 17
    Reported Jul 24
    		$0.64$0.62+3.23%Beat-
    Mar 17
    Reported Apr 24
    		$0.59$0.57+3.51%Beat-
    Dec 16
    Reported Jan 23
    		$0.59$0.59+0.00%Beat-

    Dividends

    Dividend Metrics

    Forward Yield2.36%
    Forward Annual Dividend$1.40
    Payout Ratio25.48%
    FrequencyQuarterly
    Pay MonthsMar, Jun, Sep, Dec

    Growth

    3Y CAGR+10.67%
    5Y CAGR+11.12%
    EFSC dividend history and ex-dividend datesRun EFSC in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio11.85EV/EBITDA8.72x
    Price/FCF10.15xFCF Yield9.86%
    Profitability
    Profit Margin27.40%Operating Margin30.80%
    ROE9.60%ROIC6.99%
    Financial Health
    Debt/Equity0.33xInterest Coverage1.09x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.83Avg Volume294.11K
    52-Week High$68.3652-Week Low$50.04

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$59.27
    SMA 20$59.75
    SMA 50$62.30
    SMA 200$59.84
    EMA 10$59.30
    EMA 20$59.97
    EMA 50$61.49
    EMA 200$60.12

    MACD

    Line: -0.97Signal: -1.04Hist: 0.08

    ADX

    ADX: 31.8+DI: 22.8-DI: 27.3

    Aroon & PSAR

    Aroon Up4.0
    Aroon Down60.0
    PSAR$60.82

    Bollinger Bands

    Upper Band$61.42
    Lower Band$58.08
    %B Position559%(Upper)
    Band Width0.36

    RSI (14-Day)

    Neutral
    41.8

    Momentum Oscillators

    Stoch %K38.0
    Stoch %D37.6
    Williams %R-50.8
    ROC (10d)-0.4%
    Momentum-0.23
    CCI (20d)-52.7
    MFI (14d)38.5

    Volatility Measures

    ATR (14d)$1.16(2.0%)
    StdDev (20d)0.84
    Hist Vol16.3%(Low)

    Volume Flow

    VWAP$59.21
    OBV-2.9M
    AD Line-90.9M
    CMF (20d)-0.085

    Volume Metrics

    Avg Vol (20d)289.3K
    Vol Ratio0.7x
    VWMA (20d)$60.20

    Pivot Points

    R3$60.04
    R2$59.52
    R1$59.08
    Pivot Point$58.56
    S1$58.12
    S2$57.60
    S3$57.16

    Advanced Oscillators

    TSI-26.21
    Ultimate Osc47.1
    KST-56.52

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$182.19M$185.24M$193.59M$206.91M$173.37M$166.00M$167.00M$164.89M$156.02M$149.89M$166.18M$153.72M
    Cost of RevenueN/A$66.19M$73.33M$75.55M$69.67M$69.45M$75.84M$76.93M$75.93M$75.75M$84.40M$67.30M
    Gross ProfitN/A$177.99M$184.35M$168.16M$139.68M$132.19M$129.16M$131.54M$125.31M$123.94M$114.12M$125.25M
    Operating Expenses$115.74M$115.14M$114.53M$109.79M$105.70M$99.78M$99.52M$98.01M$94.02M$93.50M$92.60M$88.64M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$62.85M$69.82M$88.67M$64.19M$61.03M$60.65M$62.78M$57.19M$50.63M$55.53M$57.05M
    Interest Income$229.31M$225.09M$232.27M$225.39M$218.97M$211.78M$215.38M$216.30M$211.64M$207.72M$207.08M$200.91M
    Interest Expense$60.60M$58.94M$64.10M$67.10M$66.20M$64.26M$69.01M$72.83M$71.11M$70.00M$66.35M$59.27M
    Income Before Tax$52.24M$62.85M$69.82M$88.67M$64.19M$61.03M$60.65M$62.78M$57.19M$50.63M$55.53M$57.05M
    Income Tax Expense$11.32M$13.49M$15.02M$43.44M$12.81M$11.07M$11.81M$12.20M$11.74M$10.23M$11.00M$12.38M
    Net Income$40.93M$49.36M$54.79M$45.23M$51.38M$49.96M$48.83M$50.59M$45.45M$40.40M$44.53M$44.66M
    EBITDA$58.57M$68.80M$73.21M$92.21M$67.60M$64.89M$63.99M$65.35M$60.97M$55.09M$55.43M$62.41M
    EBIT$52.24M$62.85M$69.82M$88.67M$64.19M$61.03M$60.65M$62.78M$57.19M$50.63M$55.53M$57.05M
    * Some calculated fields are derived from available data when not provided by source

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    News

    A 2.24M-share passive stake is reported in Enterprise Financial (EFSC).

    Dimensional Fund Advisors LP has reported a 6.2% passive stake in Enterprise Financial Services Corp (EFSC), amounting to 2,243,405 common shares as of September 30, 2026. The firm disclaims beneficial ownership...

    Stock Titan•10/8/26•Neutral

    Enterprise Financial Services stock holds at USD 48.20

    Enterprise Financial Services (EFSC) stock was trading at USD 48.20 on September 22, 2026, positioning it in the middle of its 52-week range of USD 39.10 to USD 55.60. The company reported a Q3 EPS of USD 1.12...

    AD HOC NEWS•9/22/26•Somewhat-Bullish

    Enterprise Financial Services : 2025 Corporate Responsibility Report

    Enterprise Financial Services Corp (EFSC) published its 2025 Corporate Responsibility Report, highlighting its commitment to community, clients, and the environment. The report details EFSC's guiding principles...

    www.marketscreener.com•9/22/26•Bullish

    Enterprise Financial Services (NASDAQ:EFSC) Now Covered by Analysts at Stephens

    Stephens initiated coverage on Enterprise Financial Services (NASDAQ:EFSC) with an "equal weight" rating and a $70 price target...

    MarketBeat•9/18/26•Somewhat-Bullish

    Bank of America Corp DE Purchases 21,269 Shares of Enterprise Financial Services Corporation $EFSC

    Bank of America Corp DE has increased its stake in Enterprise Financial Services Corporation (NASDAQ:EFSC) by 5.7% in the first quarter, purchasing an additional 21,269 shares...

    MarketBeat•8/19/26•Neutral

    EFSC Valuation and Fair Value

    P/E
    11.9x
    Forward P/E
    12.1x
    EV/EBITDA
    8.7x
    P/FCF
    10.1x
    PEG
    1.2x
    P/B
    1.1x
    See GNG's fair value

    EFSC Profitability: Margins, ROIC and FCF

    Operating margin
    30.8%
    Net margin
    27.4%
    ROIC
    7.0%
    ROE
    9.6%
    FCF margin
    27.5%
    FCF yield
    9.9%

    EFSC Competitors

    CompanyTicker
    Encore Capital Group IncECPG
    Hilltop Holdings IncHTH
    WaFd, Inc.WAFD
    Bladex Inc.BLX
    Northwest Bancshares IncNWBI
    EZCORP IncEZPW
    OFG BancorpOFG
    1st Source CorporationSRCE

    Sector: Financial Services

    EFSC Analyst Ratings

    Consensus
    Buy
    Analysts
    7
    Strong Buy
    2
    Buy
    3
    Hold
    2
    Sell
    0
    Strong Sell
    0

    EFSC Bull Case vs Bear Case

    Bull case

    • EFSC converts 27.5% of revenue into free cash flow.
    • EFSC has a 27.4% net profit margin.
    • 71.4% of EFSC's analyst ratings are Buy or Strong Buy.

    EFSC Earnings: Beat Rate and Next Report

    Beat rate
    5 of 8 quarters (62.5%)
    Average surprise
    3.7%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $1.39
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    0 up, 4 down

    EFSC Dividend

    Forward yield
    2.4%
    Payout ratio
    25.5%
    3Y DPS growth
    10.7%
    5Y DPS growth
    11.1%
    Pay months
    Mar, Jun, Sep, Dec
    EFSC dividend history

    Frequently Asked Questions About EFSC

    What is EFSC's current dividend yield?

    Enterprise Financial Services (EFSC) has a forward dividend yield of 2.36%.

    Does EFSC pay dividends?

    Yes, Enterprise Financial Services pays dividends with a forward dividend yield of 2.36%.

    What is EFSC's P/E ratio?

    Enterprise Financial Services has a price-to-earnings (P/E) ratio of 11.85.

    What is EFSC's market cap?

    Enterprise Financial Services (EFSC) has a market capitalization of $2.12B with a current stock price of $59.27.

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