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What is Enterprise Financial Services Group Graham Number?
Enterprise Financial Services GroupEFSG 41 Graham Number is $50.31 as of Mar. 2026, which is 11879% above its 10-year median of 0.42. GuruFocus rates EFSG with a GF Scoreâ„¢ of 41/100 and a GF Valueâ„¢ of $21.69 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,431 Banks companies, Enterprise Financial Services Group ranks better than 71% on this metric.
Graham Number is a figure that measures a stock's fundamental value by taking into account the company's earnings per share and book value per share. The Graham number is the upper bound of the price range that a defensive investor should pay for the stock. According to the theory, any stock price below the Graham number is considered undervalued, and thus worth investing in.
EFSG'
s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.31 Med: 0.42 Max: 0.64
Current: 0.64
During the past 9 years, the highest Price to Graham Number ratio of Enterprise Financial Services Group was 0.64. The lowest was 0.31. And the median was 0.42.
EFSG's Price-to-Graham-Number is ranked better than 71% of 1431
companies
in the Banks industry
Industry Median: 0.81
vs EFSG: 0.64
Graham Number is a combination of asset valuation and earnings power valuation. It is a very conservative way of valuing a stock.
Enterprise Financial Services Group (OTCPK:EFSG) Graham Number Explanation
Ben Graham actually did not publish a formula like this. But he wrote in The Intelligent Investor (1948 version) regarding to the criteria for purchases:
Current price should not be more than 15 times average earnings of the past three years.
Current price should not be more than 1.5 times the book value last reported. However, a multiplier of earnings below 15 could justify a correspondingly higher multiplier of assets. As a rule of thumb we suggest that the product of the multiplier times the ratio of price to book value should not exceed 22.5. (This figure corresponds to 15 times earnings and 1.5 times book value. It would admit an issue selling at only 9 times earnings and 2.5 times asset value, etc.)
Unlike valuation methods such as DCF or Discounted Earnings, the Graham number does not take growth into the valuation. Unlike the valuation methods based on book value alone, it takes into account the earnings power. Therefore, the Graham Number is a combination of asset valuation and earnings power valuation.
In general, the Graham number is a very conservative way of valuing a stock. It cannot be applied to companies with negative book values.
Enterprise Financial Services Group's Price to Graham number Ratio for today is calculated as
Price to Graham number
=
Share Price (Today)
/
Graham number (Q: Mar. 2026 )
=
32.00
/
50.31
=
0.64
* 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.
Be Aware
Please keep these in mind:
1. Graham Number does not take growth into account. Therefore it underestimates the values of the companies that have good earnings growth. We feel that if the earnings per share grows more than 10% a year, Graham Number underestimates the value.
2. Graham Number punishes the companies that have temporarily low earnings. Therefore, an average of earnings makes more sense in the calculation of Graham Number.
3. Graham Numbers underestimates companies that are light with book.
Enterprise Financial Services Group Graham Number Related Terms
Enterprise Financial Services Group Graham Number 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.
Enterprise Financial Services Group Graham Number Chart
EFSG vs BHDB, HCKG, EXCH: Graham Number Comparison
For the Banks - Regional subindustry, Enterprise Financial Services Group's Price-to-Graham-Number, along with its competitors' market caps and Price-to-Graham-Number 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 Group Price-to-Graham-Number vs Banks Industry
For the Banks industry and Financial Services sector, Enterprise Financial Services Group's Price-to-Graham-Number distribution charts can be found below:
* The bar in red indicates where Enterprise Financial Services Group's Price-to-Graham-Number 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 Group (EFSG) has a Graham Number of $50.31 as of Mar. 2026. The Graham Number values a company based on its per-share earnings and book value. View historical data on Enterprise Financial Services Group and its competitors. This is 11879% above median its historical median of 0.42. Over the past decade, Enterprise Financial Services Group's Graham Number has ranged from 0.31 to 0.64. According to the industry distribution chart, Enterprise Financial Services Group ranks #415 out of 1431 companies in the Banks industry, placing it in the top 29%.
Is Enterprise Financial Services Group's Graham Number too high?
Enterprise Financial Services Group's current Graham Number of $50.31 is 11879% above median its 10-year median of 0.42. Over the past 10 years, this metric has ranged from a low of 0.31 to a high of 0.64. The Banks industry median Graham Number is 0.81. Enterprise Financial Services Group's value of $50.31 is 6111.1% above this industry median. Based on the distribution chart, Enterprise Financial Services Group ranks #415 out of 1431 companies in the Banks industry, which is above the industry midpoint. Overall, Enterprise Financial Services Group has a GF Scoreâ„¢ of 41/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Enterprise Financial Services Group's Graham Number compare to BHDB and HCKG?
According to the Banks industry distribution chart, Enterprise Financial Services Group ranks #415 out of 1431 companies for Graham Number. This puts Enterprise Financial Services Group in the upper half of its industry. The industry median Graham Number is 0.81. Enterprise Financial Services Group's value of $50.31 is 6111.1% above this benchmark. Historically, Enterprise Financial Services Group's own Graham Number has ranged from 0.31 to 0.64 over the past decade. While the company's 10-year median is 0.42 vs. the industry median of 0.81, Enterprise Financial Services Group has consistently been above 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 Graham Number for a Banks company?
The median Graham Number among Banks companies is 0.81, based on 1,431 companies in the industry. Companies in the top quartile (top 25%) have a Graham Number significantly above this median, while those in the bottom quartile fall well below. However, Graham Number should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Enterprise Financial Services Group's current Graham Number of $50.31 is 6111.1% above 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 Graham Number mean?
A high Graham Number can signal that a stock is expensive relative to its fundamentals. The Graham Number values a company based on its per-share earnings and book value. View historical data on Enterprise Financial Services Group and its competitors. For the Banks industry, the median Graham Number is 0.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Enterprise Financial Services Group's current Graham Number is $50.31, which is 11879% above median its own 10-year median of 0.42. 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 Group stock overvalued right now?
Based on GuruFocus' analysis, Enterprise Financial Services Group (EFSG) is currently considered Significantly Overvalued. The stock's GF Value™ is $21.69, compared to a current price of $32.00 — trading 47.5% above its estimated fair value. The current Graham Number is $50.31, which is 11879% above median its 10-year median of 0.42 and 6111.1% above the Banks industry median of 0.81. Enterprise Financial Services Group's overall GF Score™ is 41/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Graham Number calculated?
Graham Number is calculated from a company's financial statements. For Enterprise Financial Services Group (EFSG), the current Graham Number is $50.31 as of Mar. 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 Group (EFSG) Overvalued in 2026?
Based on GuruFocus' analysis, Enterprise Financial Services Group stock appears to be overvalued.
The current stock price of $32.00 is trading 47.5% above its estimated GF Value™ of $21.69.
GuruFocus considers Enterprise Financial Services Group to be Significantly Overvalued.
Key valuation signals for EFSG:
Graham Number: $50.31 (11879% above median its 10-year median of 0.42)
GF Value™: $21.69 vs. price of $32.00 (47.5% above fair value)
Industry Position: 6111.1% above the Banks median (#415 of 1431)
No single metric tells the full story. See the EFSG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Enterprise Financial Services Group Inc is a bank holding company. The company, through its holding, provides banking products and services including personal banking, business banking, business financing, insurance and commercial loans. The primary source of revenue is from providing commercial loans to business customers located within Allegheny and its bi-contiguous counties.
41GF Score
Get the complete analysis for EFSG
Graham Number is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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