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Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Enterprise Financial Services's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.79.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Enterprise Financial Servicescouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Enterprise Financial Services's Cash-to-Debt or its related term are showing as below:
EFSC'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.22 Med: 0.78 Max: 8.9
Current: 0.79
During the past 13 years, Enterprise Financial Services's highest Cash to Debt Ratio was 8.90. The lowest was 0.22. And the median was 0.78.
EFSC's Cash-to-Debt is ranked worse than 64.39% of 1494
companies
in the Banks industry
Industry Median: 1.38
vs EFSC: 0.79
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Enterprise Financial Services Cash-to-Debt Related Terms
Enterprise Financial Services Cash-to-Debt Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, Enterprise Financial Services's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Enterprise Financial Services Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Enterprise Financial Services's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Enterprise Financial Services's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Financial Services (EFSC) has a Cash-to-Debt of 0.79 as of Jun. 2026. This is near median its historical median of 0.78. Over the past decade, Enterprise Financial Services' Cash-to-Debt has ranged from 0.22 to 8.90. According to the industry distribution chart, Enterprise Financial Services ranks #962 out of 1494 companies in the Banks industry, placing it in the top 64.4%.
Is Enterprise Financial Services' Cash-to-Debt too high?
Enterprise Financial Services' current Cash-to-Debt of 0.79 is near median its 10-year median of 0.78. Over the past 10 years, this metric has ranged from a low of 0.22 to a high of 8.90. The Banks industry median Cash-to-Debt is 1.38. Enterprise Financial Services' value of 0.79 is 42.8% below this industry median. Based on the distribution chart, Enterprise Financial Services ranks #962 out of 1494 companies in the Banks industry, which is below the industry midpoint. Overall, Enterprise Financial Services has a GF Score™ of 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Enterprise Financial Services' Cash-to-Debt compare to NWBI and INTR?
According to the Banks industry distribution chart, Enterprise Financial Services ranks #962 out of 1494 companies for Cash-to-Debt. This places Enterprise Financial Services in the lower half of its industry. The industry median Cash-to-Debt is 1.38. Enterprise Financial Services' value of 0.79 is 42.8% below this benchmark. Historically, Enterprise Financial Services' own Cash-to-Debt has ranged from 0.22 to 8.90 over the past decade. While the company's 10-year median is 0.78 vs. the industry median of 1.38, Enterprise Financial Services has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.38, based on 1,494 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Enterprise Financial Services's current Cash-to-Debt of 0.79 is 42.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Enterprise Financial Services's current Cash-to-Debt is 0.79, which is near median its own 10-year median of 0.78. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Enterprise Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Enterprise Financial Services (EFSC) is currently considered Fairly Valued. The stock's GF Value™ is $66.93, compared to a current price of $64.66 — trading 3.4% below its estimated fair value. The current Cash-to-Debt is 0.79, which is near median its 10-year median of 0.78 and 42.8% below the Banks industry median of 1.38. Enterprise Financial Services' overall GF Score™ is 69/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Enterprise Financial Services (EFSC), the current Cash-to-Debt is 0.79 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Enterprise Financial Services (EFSC) Overvalued in 2026?
Based on GuruFocus' analysis, Enterprise Financial Services stock appears to be undervalued.
The current stock price of $64.66 is trading 3.4% below its estimated GF Value™ of $66.93.
GuruFocus considers Enterprise Financial Services to be Fairly Valued.
Key valuation signals for EFSC:
Cash-to-Debt: 0.79 (near median its 10-year median of 0.78)
GF Value™: $66.93 vs. price of $64.66 (3.4% below fair value)
Industry Position: 42.8% below the Banks median (#962 of 1494)
No single metric tells the full story. See the EFSC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Enterprise Financial Services Corporation is a financial holding company. It offers banking and wealth management services to individuals and business customers located in Arizona, California, Florida, Kansas, Missouri, Nevada, and New Mexico, in addition to loan and deposit production offices throughout the United States. The company offers a broad range of business and personal banking services including wealth management services. Its Lending services include commercial and industrial, commercial real estate, real estate construction and development, residential real estate and consumer loans.
69GF Score
Get the complete analysis for EFSC
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