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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.32
EFSC's Cash to Debt is ranked lower than
74% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. EFSC: 0.32 )
Ranked among companies with meaningful Cash to Debt only.
EFSC' s 10-Year Cash to Debt Range
Min: 0.08  Med: 0.55 Max: No Debt
Current: 0.32
Equity to Asset 0.10
EFSC's Equity to Asset is ranked higher than
53% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. EFSC: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
EFSC' s 10-Year Equity to Asset Range
Min: 0.07  Med: 0.08 Max: 0.1
Current: 0.1
0.07
0.1
Interest Coverage 2.85
EFSC's Interest Coverage is ranked higher than
67% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. EFSC: 2.85 )
Ranked among companies with meaningful Interest Coverage only.
EFSC' s 10-Year Interest Coverage Range
Min: 0.19  Med: 0.75 Max: 2.85
Current: 2.85
0.19
2.85
F-Score: 5
WACC vs ROIC
7.21%
5.80%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 36.38
EFSC's Operating margin (%) is ranked higher than
65% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. EFSC: 36.38 )
Ranked among companies with meaningful Operating margin (%) only.
EFSC' s 10-Year Operating margin (%) Range
Min: -468.67  Med: 25.59 Max: 36.18
Current: 36.38
-468.67
36.18
Net-margin (%) 23.82
EFSC's Net-margin (%) is ranked higher than
56% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. EFSC: 23.82 )
Ranked among companies with meaningful Net-margin (%) only.
EFSC' s 10-Year Net-margin (%) Range
Min: -53.57  Med: 19.38 Max: 177.7
Current: 23.82
-53.57
177.7
ROE (%) 10.19
EFSC's ROE (%) is ranked higher than
63% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. EFSC: 10.19 )
Ranked among companies with meaningful ROE (%) only.
EFSC' s 10-Year ROE (%) Range
Min: -26.62  Med: 10.70 Max: 13.72
Current: 10.19
-26.62
13.72
ROA (%) 0.99
EFSC's ROA (%) is ranked higher than
60% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. EFSC: 0.99 )
Ranked among companies with meaningful ROA (%) only.
EFSC' s 10-Year ROA (%) Range
Min: -1.97  Med: 0.83 Max: 1.1
Current: 0.99
-1.97
1.1
Revenue Growth (3Y)(%) -2.70
EFSC's Revenue Growth (3Y)(%) is ranked lower than
72% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. EFSC: -2.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
EFSC' s 10-Year Revenue Growth (3Y)(%) Range
Min: -11.9  Med: 9.30 Max: 83.1
Current: -2.7
-11.9
83.1
EBITDA Growth (3Y)(%) -0.90
EFSC's EBITDA Growth (3Y)(%) is ranked lower than
73% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. EFSC: -0.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
EFSC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -35.2  Med: 17.40 Max: 210.7
Current: -0.9
-35.2
210.7
EPS Growth (3Y)(%) 2.30
EFSC's EPS Growth (3Y)(%) is ranked lower than
68% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. EFSC: 2.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
EFSC' s 10-Year EPS Growth (3Y)(%) Range
Min: -46.9  Med: 10.00 Max: 102
Current: 2.3
-46.9
102
» EFSC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2014

EFSC Guru Trades in Q3 2014

Jim Simons 37,328 sh (+11.53%)
Chuck Royce 496,838 sh (-11.52%)
» More
Q4 2014

EFSC Guru Trades in Q4 2014

Chuck Royce 441,500 sh (-11.14%)
Jim Simons 21,239 sh (-43.10%)
» More
Q1 2015

EFSC Guru Trades in Q1 2015

Jim Simons 71,800 sh (+238.06%)
Chuck Royce 441,500 sh (unchged)
» More
Q2 2015

EFSC Guru Trades in Q2 2015

Jim Simons 85,656 sh (+19.30%)
Chuck Royce 441,500 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with EFSC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 15.00
EFSC's P/E(ttm) is ranked lower than
60% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. EFSC: 15.00 )
Ranked among companies with meaningful P/E(ttm) only.
EFSC' s 10-Year P/E(ttm) Range
Min: 7.45  Med: 14.94 Max: 113.92
Current: 15
7.45
113.92
Forward P/E 12.76
EFSC's Forward P/E is ranked lower than
61% of the 714 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.85 vs. EFSC: 12.76 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 15.00
EFSC's PE(NRI) is ranked lower than
60% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. EFSC: 15.00 )
Ranked among companies with meaningful PE(NRI) only.
EFSC' s 10-Year PE(NRI) Range
Min: 7.8  Med: 15.20 Max: 265.5
Current: 15
7.8
265.5
P/B 1.43
EFSC's P/B is ranked lower than
76% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. EFSC: 1.43 )
Ranked among companies with meaningful P/B only.
EFSC' s 10-Year P/B Range
Min: 0.64  Med: 1.27 Max: 3.13
Current: 1.43
0.64
3.13
P/S 3.56
EFSC's P/S is ranked lower than
65% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. EFSC: 3.56 )
Ranked among companies with meaningful P/S only.
EFSC' s 10-Year P/S Range
Min: 1.08  Med: 2.55 Max: 11.16
Current: 3.56
1.08
11.16
PFCF 11.14
EFSC's PFCF is ranked lower than
54% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. EFSC: 11.14 )
Ranked among companies with meaningful PFCF only.
EFSC' s 10-Year PFCF Range
Min: 2.7  Med: 12.20 Max: 43.85
Current: 11.14
2.7
43.85
POCF 10.60
EFSC's POCF is ranked lower than
59% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. EFSC: 10.60 )
Ranked among companies with meaningful POCF only.
EFSC' s 10-Year POCF Range
Min: 2.6  Med: 10.72 Max: 34.32
Current: 10.6
2.6
34.32
EV-to-EBIT 14.08
EFSC's EV-to-EBIT is ranked lower than
53% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. EFSC: 14.08 )
Ranked among companies with meaningful EV-to-EBIT only.
EFSC' s 10-Year EV-to-EBIT Range
Min: -1434.2  Med: 15.90 Max: 997.4
Current: 14.08
-1434.2
997.4
Shiller P/E 18.78
EFSC's Shiller P/E is ranked lower than
63% of the 786 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.81 vs. EFSC: 18.78 )
Ranked among companies with meaningful Shiller P/E only.
EFSC' s 10-Year Shiller P/E Range
Min: 9.56  Med: 51.51 Max: 281
Current: 18.78
9.56
281
Days Sales Outstanding 49.25
EFSC's Days Sales Outstanding is ranked lower than
63% of the 795 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. EFSC: 49.25 )
Ranked among companies with meaningful Days Sales Outstanding only.
EFSC' s 10-Year Days Sales Outstanding Range
Min: 27.97  Med: 64.89 Max: 539.04
Current: 49.25
27.97
539.04

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.91
EFSC's Dividend Yield is ranked lower than
91% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. EFSC: 0.91 )
Ranked among companies with meaningful Dividend Yield only.
EFSC' s 10-Year Dividend Yield Range
Min: 0.18  Med: 1.20 Max: 2.69
Current: 0.91
0.18
2.69
Dividend Payout 0.14
EFSC's Dividend Payout is ranked higher than
87% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. EFSC: 0.14 )
Ranked among companies with meaningful Dividend Payout only.
EFSC' s 10-Year Dividend Payout Range
Min: 0.09  Med: 0.15 Max: 0.53
Current: 0.14
0.09
0.53
Yield on cost (5-Year) 1.11
EFSC's Yield on cost (5-Year) is ranked lower than
86% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. EFSC: 1.11 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
EFSC' s 10-Year Yield on cost (5-Year) Range
Min: 0.22  Med: 1.47 Max: 3.3
Current: 1.11
0.22
3.3
Share Buyback Rate -3.50
EFSC's Share Buyback Rate is ranked lower than
58% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. EFSC: -3.50 )
Ranked among companies with meaningful Share Buyback Rate only.
EFSC' s 10-Year Share Buyback Rate Range
Min: -0.1  Med: -5.45 Max: -77
Current: -3.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.59
EFSC's Price/Tangible Book is ranked lower than
75% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. EFSC: 1.59 )
Ranked among companies with meaningful Price/Tangible Book only.
EFSC' s 10-Year Price/Tangible Book Range
Min: 0.77  Med: 1.95 Max: 3.87
Current: 1.59
0.77
3.87
Price/Projected FCF 0.85
EFSC's Price/Projected FCF is ranked lower than
69% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. EFSC: 0.85 )
Ranked among companies with meaningful Price/Projected FCF only.
EFSC' s 10-Year Price/Projected FCF Range
Min: 0.34  Med: 0.69 Max: 1.93
Current: 0.85
0.34
1.93
Price/Median PS Value 1.39
EFSC's Price/Median PS Value is ranked lower than
84% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. EFSC: 1.39 )
Ranked among companies with meaningful Price/Median PS Value only.
EFSC' s 10-Year Price/Median PS Value Range
Min: 0.45  Med: 1.23 Max: 90
Current: 1.39
0.45
90
Price/Peter Lynch Fair Value 0.60
EFSC's Price/Peter Lynch Fair Value is ranked higher than
76% of the 371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. EFSC: 0.60 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
EFSC' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.54  Med: 0.92 Max: 9.35
Current: 0.6
0.54
9.35
Price/Graham Number 1.03
EFSC's Price/Graham Number is ranked lower than
69% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. EFSC: 1.03 )
Ranked among companies with meaningful Price/Graham Number only.
EFSC' s 10-Year Price/Graham Number Range
Min: 0.53  Med: 1.43 Max: 5.08
Current: 1.03
0.53
5.08
Earnings Yield (Greenblatt) (%) 7.10
EFSC's Earnings Yield (Greenblatt) (%) is ranked higher than
53% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. EFSC: 7.10 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
EFSC' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.1  Med: 6.10 Max: 11.6
Current: 7.1
0.1
11.6
Forward Rate of Return (Yacktman) (%) 33.57
EFSC's Forward Rate of Return (Yacktman) (%) is ranked higher than
79% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. EFSC: 33.57 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
EFSC' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 3.2  Med: 14.80 Max: 71.5
Current: 33.57
3.2
71.5

Analyst Estimate

Dec15 Dec16
Revenue(Mil) 140 147
EPS($) 1.82 1.87
EPS without NRI($) 1.82 1.87

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Enterprise Financial Services Corporation, formerly known as Enterbank Holdings Inc., was incorporated under the laws of the State of Delaware on December 30, 1994. It is a financial holding company. The Company offers banking and wealth management services to individuals and business customers located in the St. Louis, Kansas City and Phoenix metropolitan markets. The Company operates in two segments; Banking and Wealth Management. Its Banking segment offers a range of business and personal banking services. Lending services include commercial and industrial, commercial real estate, real estate construction and development, residential real estate, and consumer loans. The Wealth Management segment includes the Company's trust operations and Federal and Missouri State tax credit brokerage activities. Enterprise Trust, a division of the Company provides financial planning, estate planning, investment management and trust services to businesses, individuals, institutions, retirement plans and non-profit organizations. Enterprise Trust offers a range of fiduciary, investment management and financial advisory services. It also offers a range of Treasury Management products and services that benefit businesses ranging from large national clients to the smallest local merchants. It has six banking facilities in the St. Louis metropolitan area, eight banking facilities in the Kansas City market, and two banking facilities in the Phoenix metropolitan area. The Company competes with credit unions, thrifts, investment managers, brokerage firms, and other providers of financial services and products. The Company's operations is subject to extensive regulation by federal, state and local governmental authorities and are subject to various laws and judicial and administrative decisions imposing requirements and restrictions on part or all of its operations.
» More Articles for EFSC

Headlines

Articles On GuruFocus.com
comment on EFSC Apr 03 2012 
Enterprise Financial Services Corp. Reports Operating Results (10-K) Mar 11 2011 
Enterprise Financial Services Corp. (EFSC) EVP & CFO Frank H Sanfilippo sells 7,500 Shares Feb 03 2011 
Enterprise Financial Services Corp. (EFSC) EVP & CFO Frank H Sanfilippo sells 6,000 Shares Jan 27 2011 
Enterprise Financial Services Corp. Reports Operating Results (10-Q) May 07 2010 
Enterprise Financial Services Corp. (EFSC) COO Richard C Leuck sells 4,969 Shares Apr 26 2010 
Weekly CFO Buys Highlight: Enterprise Financial Services Corp., Competitive Technologies Inc, Schulm Jan 23 2010 
Weekly CFO Buys Highlight: Enterprise Financial Services Corp., Schulman Inc., Southcoast Financial Jan 17 2010 
Enterprise Financial Services Corp. (EFSC) CEO Peter Benoist buys 19,060 Shares Jan 14 2010 
Enterprise Financial Services Corp. (EFSC) CFO Frank H Sanfilippo buys 12,360 Shares Jan 14 2010 

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