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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.32
NAS:EFSC's Cash to Debt is ranked lower than
81% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.98 vs. NAS:EFSC: 0.32 )
Ranked among companies with meaningful Cash to Debt only.
NAS:EFSC' s Cash to Debt Range Over the Past 10 Years
Min: 0.08  Med: 0.51 Max: No Debt
Current: 0.32
Equity to Asset 0.10
NAS:EFSC's Equity to Asset is ranked higher than
51% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NAS:EFSC: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
NAS:EFSC' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.08 Max: 0.1
Current: 0.1
0.07
0.1
Interest Coverage 5.51
NAS:EFSC's Interest Coverage is ranked higher than
82% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. NAS:EFSC: 5.51 )
Ranked among companies with meaningful Interest Coverage only.
NAS:EFSC' s Interest Coverage Range Over the Past 10 Years
Min: 0.19  Med: 1.24 Max: 5.51
Current: 5.51
0.19
5.51
F-Score: 5
M-Score: -2.87
WACC vs ROIC
4.97%
7.40%
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 (%) 44.28
NAS:EFSC's Operating margin (%) is ranked higher than
77% of the 1678 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.78 vs. NAS:EFSC: 44.28 )
Ranked among companies with meaningful Operating margin (%) only.
NAS:EFSC' s Operating margin (%) Range Over the Past 10 Years
Min: -55.1  Med: 29.56 Max: 44.28
Current: 44.28
-55.1
44.28
Net-margin (%) 28.91
NAS:EFSC's Net-margin (%) is ranked higher than
68% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.15 vs. NAS:EFSC: 28.91 )
Ranked among companies with meaningful Net-margin (%) only.
NAS:EFSC' s Net-margin (%) Range Over the Past 10 Years
Min: -53.57  Med: 19.83 Max: 28.91
Current: 28.91
-53.57
28.91
ROE (%) 12.70
NAS:EFSC's ROE (%) is ranked higher than
75% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.39 vs. NAS:EFSC: 12.70 )
Ranked among companies with meaningful ROE (%) only.
NAS:EFSC' s ROE (%) Range Over the Past 10 Years
Min: -26.62  Med: 10.7 Max: 13.72
Current: 12.7
-26.62
13.72
ROA (%) 1.24
NAS:EFSC's ROA (%) is ranked higher than
72% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. NAS:EFSC: 1.24 )
Ranked among companies with meaningful ROA (%) only.
NAS:EFSC' s ROA (%) Range Over the Past 10 Years
Min: -1.97  Med: 0.84 Max: 1.24
Current: 1.24
-1.97
1.24
Revenue Growth (3Y)(%) -3.90
NAS:EFSC's Revenue Growth (3Y)(%) is ranked lower than
78% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. NAS:EFSC: -3.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NAS:EFSC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -11.5  Med: 8.8 Max: 82.6
Current: -3.9
-11.5
82.6
EBITDA Growth (3Y)(%) 8.10
NAS:EFSC's EBITDA Growth (3Y)(%) is ranked higher than
58% of the 1253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. NAS:EFSC: 8.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NAS:EFSC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -25.6  Med: 13.35 Max: 217.4
Current: 8.1
-25.6
217.4
EPS Growth (3Y)(%) 11.30
NAS:EFSC's EPS Growth (3Y)(%) is ranked higher than
63% of the 1231 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. NAS:EFSC: 11.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NAS:EFSC' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -46.9  Med: 11 Max: 102
Current: 11.3
-46.9
102
» NAS:EFSC's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2015

EFSC Guru Trades in Q4 2015

Jim Simons 183,700 sh (+60.86%)
Chuck Royce 388,500 sh (unchged)
» More
Q1 2016

EFSC Guru Trades in Q1 2016

Jim Simons 213,900 sh (+16.44%)
Chuck Royce 288,500 sh (-25.74%)
» More
Q2 2016

EFSC Guru Trades in Q2 2016

Chuck Royce 288,500 sh (unchged)
Jim Simons 209,800 sh (-1.92%)
» More
Q3 2016

EFSC Guru Trades in Q3 2016

Jim Simons 232,000 sh (+10.58%)
Chuck Royce 241,500 sh (-16.29%)
» 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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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:LBAI, NAS:RBCAA, NAS:TRST, NAS:GABC, NYSE:BANC, NAS:CTBI, NAS:SBCF, NAS:TCBK, NAS:CNOB, NAS:MSFG, NAS:OPB, NAS:GSBC, NYSE:NBHC, NAS:SASR, NAS:HFWA, NAS:WASH, NAS:PPBI, NAS:NFBK, NAS:CHCO, NAS:UVSP » details
Enterprise Financial Services Corporation is a financial holding company. It offers banking and wealth management services to individuals and business customers located in the St. Louis, Kansas City and Phoenix metropolitan markets.

Enterprise Financial Services Corporation a financial holding company, formerly known as Enterbank Holdings Inc., was incorporated under the laws of the State of Delaware on December 30, 1994. 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 its 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 is subject to 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.

Ratios

vs
industry
vs
history
P/E(ttm) 18.25
EFSC's P/E(ttm) is ranked lower than
64% of the 1557 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.95 vs. EFSC: 18.25 )
Ranked among companies with meaningful P/E(ttm) only.
EFSC' s P/E(ttm) Range Over the Past 10 Years
Min: 7.35  Med: 14.25 Max: 123.42
Current: 18.25
7.35
123.42
Forward P/E 16.18
EFSC's Forward P/E is ranked lower than
54% of the 334 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.24 vs. EFSC: 16.18 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 18.25
EFSC's PE(NRI) is ranked lower than
64% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.98 vs. EFSC: 18.25 )
Ranked among companies with meaningful PE(NRI) only.
EFSC' s PE(NRI) Range Over the Past 10 Years
Min: 7.35  Med: 14.45 Max: 1130
Current: 18.25
7.35
1130
Price/Owner Earnings (ttm) 19.59
EFSC's Price/Owner Earnings (ttm) is ranked lower than
67% of the 883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.78 vs. EFSC: 19.59 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
EFSC' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 6  Med: 13.17 Max: 35.45
Current: 19.59
6
35.45
P/B 2.16
EFSC's P/B is ranked lower than
86% of the 1662 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. EFSC: 2.16 )
Ranked among companies with meaningful P/B only.
EFSC' s P/B Range Over the Past 10 Years
Min: 0.64  Med: 1.27 Max: 3.09
Current: 2.16
0.64
3.09
P/S 5.26
EFSC's P/S is ranked lower than
77% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.21 vs. EFSC: 5.26 )
Ranked among companies with meaningful P/S only.
EFSC' s P/S Range Over the Past 10 Years
Min: 1.08  Med: 2.55 Max: 11.14
Current: 5.26
1.08
11.14
PFCF 25.18
EFSC's PFCF is ranked lower than
81% of the 826 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.19 vs. EFSC: 25.18 )
Ranked among companies with meaningful PFCF only.
EFSC' s PFCF Range Over the Past 10 Years
Min: 2.69  Med: 11.95 Max: 42.61
Current: 25.18
2.69
42.61
POCF 23.65
EFSC's POCF is ranked lower than
85% of the 925 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. EFSC: 23.65 )
Ranked among companies with meaningful POCF only.
EFSC' s POCF Range Over the Past 10 Years
Min: 2.59  Med: 10.48 Max: 33.72
Current: 23.65
2.59
33.72
EV-to-EBIT 15.35
EFSC's EV-to-EBIT is ranked lower than
58% of the 1265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. EFSC: 15.35 )
Ranked among companies with meaningful EV-to-EBIT only.
EFSC' s EV-to-EBIT Range Over the Past 10 Years
Min: -107  Med: 13.7 Max: 55.8
Current: 15.35
-107
55.8
EV-to-EBITDA 14.73
EFSC's EV-to-EBITDA is ranked lower than
60% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.92 vs. EFSC: 14.73 )
Ranked among companies with meaningful EV-to-EBITDA only.
EFSC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -59.2  Med: 12.9 Max: 237.5
Current: 14.73
-59.2
237.5
PEG 0.98
EFSC's PEG is ranked higher than
60% of the 752 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. EFSC: 0.98 )
Ranked among companies with meaningful PEG only.
EFSC' s PEG Range Over the Past 10 Years
Min: 0.27  Med: 0.73 Max: 4.35
Current: 0.98
0.27
4.35
Shiller P/E 52.62
EFSC's Shiller P/E is ranked lower than
91% of the 502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.35 vs. EFSC: 52.62 )
Ranked among companies with meaningful Shiller P/E only.
EFSC' s Shiller P/E Range Over the Past 10 Years
Min: 13.82  Med: 31.67 Max: 64.78
Current: 52.62
13.82
64.78

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.94
EFSC's Dividend Yield is ranked lower than
89% of the 2376 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. EFSC: 0.94 )
Ranked among companies with meaningful Dividend Yield only.
EFSC' s Dividend Yield Range Over the Past 10 Years
Min: 0.51  Med: 1.2 Max: 2.9
Current: 0.94
0.51
2.9
Dividend Payout 0.17
EFSC's Dividend Payout is ranked higher than
82% of the 1294 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. EFSC: 0.17 )
Ranked among companies with meaningful Dividend Payout only.
EFSC' s Dividend Payout Range Over the Past 10 Years
Min: 0.09  Med: 0.15 Max: 0.53
Current: 0.17
0.09
0.53
Dividend Growth (3y) 7.80
EFSC's Dividend Growth (3y) is ranked higher than
50% of the 739 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.00 vs. EFSC: 7.80 )
Ranked among companies with meaningful Dividend Growth (3y) only.
EFSC' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 0 Max: 14.5
Current: 7.8
0
14.5
Forward Dividend Yield 1.10
EFSC's Forward Dividend Yield is ranked lower than
89% of the 2299 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. EFSC: 1.10 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.11
EFSC's Yield on cost (5-Year) is ranked lower than
90% of the 2629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. EFSC: 1.11 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
EFSC' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.6  Med: 1.41 Max: 3.41
Current: 1.11
0.6
3.41
3-Year Average Share Buyback Ratio -3.60
EFSC's 3-Year Average Share Buyback Ratio is ranked lower than
57% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. EFSC: -3.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
EFSC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -77  Med: -6.3 Max: 0.3
Current: -3.6
-77
0.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.36
EFSC's Price/Tangible Book is ranked lower than
84% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. EFSC: 2.36 )
Ranked among companies with meaningful Price/Tangible Book only.
EFSC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.77  Med: 1.79 Max: 3.87
Current: 2.36
0.77
3.87
Price/Projected FCF 1.33
EFSC's Price/Projected FCF is ranked lower than
82% of the 872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. EFSC: 1.33 )
Ranked among companies with meaningful Price/Projected FCF only.
EFSC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.34  Med: 0.78 Max: 1.93
Current: 1.33
0.34
1.93
Price/Median PS Value 2.06
EFSC's Price/Median PS Value is ranked lower than
93% of the 1450 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. EFSC: 2.06 )
Ranked among companies with meaningful Price/Median PS Value only.
EFSC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.45  Med: 1.26 Max: 85.71
Current: 2.06
0.45
85.71
Price/Peter Lynch Fair Value 2.83
EFSC's Price/Peter Lynch Fair Value is ranked lower than
90% of the 381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. EFSC: 2.83 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
EFSC' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.55  Med: 0.87 Max: 2.83
Current: 2.83
0.55
2.83
Price/Graham Number 1.38
EFSC's Price/Graham Number is ranked lower than
75% of the 1404 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.92 vs. EFSC: 1.38 )
Ranked among companies with meaningful Price/Graham Number only.
EFSC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.61  Med: 1.31 Max: 7.58
Current: 1.38
0.61
7.58
Earnings Yield (Greenblatt) (%) 6.50
EFSC's Earnings Yield (Greenblatt) (%) is ranked higher than
56% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. EFSC: 6.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
EFSC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.8  Med: 6.65 Max: 16.3
Current: 6.5
1.8
16.3
Forward Rate of Return (Yacktman) (%) 10.53
EFSC's Forward Rate of Return (Yacktman) (%) is ranked lower than
53% of the 886 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.59 vs. EFSC: 10.53 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
EFSC' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 3.2  Med: 15.35 Max: 71.5
Current: 10.53
3.2
71.5

More Statistics

Revenue (TTM) (Mil) $158.7
EPS (TTM) $ 2.26
Beta0.58
Short Percentage of Float1.29%
52-Week Range $25.01 - 40.00
Shares Outstanding (Mil)20.01

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $) 164 201
EPS ($) 2.38 2.47 2.70
EPS w/o NRI ($) 2.38 2.47 2.70
EPS Growth Rate
(3Y to 5Y Estimate)
9.00%
Dividends Per Share ($) 0.42 0.45 0.48
» More Articles for NAS:EFSC

Headlines

Articles On GuruFocus.com
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 
Enterprise Financial Services Corp. Reports Operating Results (10-Q) Nov 06 2009 

More From Other Websites
Will Enterprise Financial Services (EFSC) Continue to Surge Higher? Nov 23 2016
ENTERPRISE FINANCIAL SERVICES CORP Files SEC form 8-K, Regulation FD Disclosure, Financial... Nov 15 2016
ENTERPRISE FINANCIAL SERVICES CORP Files SEC form 8-K, Creation of a Direct Financial Obligation or... Nov 01 2016
Enterprise Financial Closes $50 Million Subordinated Debt Offering Nov 01 2016
Enterprise Financial Closes $50 Million Subordinated Debt Offering Nov 01 2016
Is Enterprise Financial Services (EFSC) Stock a Solid Choice Right Now? Nov 01 2016
ENTERPRISE FINANCIAL SERVICES CORP Financials Oct 29 2016
ENTERPRISE FINANCIAL SERVICES CORP Files SEC form 8-K, Other Events, Financial Statements and... Oct 28 2016
ETF’s with exposure to Enterprise Financial Services Corp. : October 28, 2016 Oct 28 2016
Enterprise Financial Announces $50 Million Subordinated Debt Offering Oct 27 2016
Enterprise Financial Announces $50 Million Subordinated Debt Offering Oct 27 2016
Enterprise Financial Services Corp. :EFSC-US: Earnings Analysis: Q3, 2016 By the Numbers : October... Oct 26 2016
Edited Transcript of EFSC earnings conference call or presentation 25-Oct-16 7:30pm GMT Oct 26 2016
ENTERPRISE FINANCIAL SERVICES CORP Files SEC form 10-Q, Quarterly Report Oct 25 2016
Enterprise Financial Reports Third Quarter 2016 Results Oct 24 2016
ENTERPRISE FINANCIAL SERVICES CORP Files SEC form 8-K, Results of Operations and Financial... Oct 24 2016
Enterprise Financial Services posts 3Q profit Oct 24 2016
Enterprise Financial Services posts 3Q profit Oct 24 2016
Enterprise Financial Reports Third Quarter 2016 Results Oct 24 2016
Q3 2016 Enterprise Financial Services Corp Earnings Release - Time Not Supplied Oct 24 2016

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