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Enterprise Financial Services Group (OTCPK:EFSG) Liabilities-to-Assets Explanation
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.
Enterprise Financial Services Group Liabilities-to-Assets Related Terms
Enterprise Financial Services Group Liabilities-to-Assets 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 Liabilities-to-Assets Chart
EFSG vs FMFP, PCLB, EXCH: Liabilities-to-Assets Comparison
For the Banks - Regional subindustry, Enterprise Financial Services Group's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets 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 Liabilities-to-Assets vs Banks Industry
For the Banks industry and Financial Services sector, Enterprise Financial Services Group's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where Enterprise Financial Services Group's Liabilities-to-Assets falls into.
Enterprise Financial Services Group Liabilities-to-Assets Calculation
Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.
* 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 Liabilities-to-Assets of 0.92 as of Mar. 2026. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Enterprise Financial Services Group and its competitors.
Is Enterprise Financial Services Group's Liabilities-to-Assets too high?
Enterprise Financial Services Group's current Liabilities-to-Assets is 0.92. Overall, Enterprise Financial Services Group has a GF Score™ of 41/100, reflecting its overall financial health beyond just this single metric.
How does Enterprise Financial Services Group's Liabilities-to-Assets compare to FMFP and PCLB?
Enterprise Financial Services Group's Liabilities-to-Assets of 0.92 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Liabilities-to-Assets for a Banks company?
A good Liabilities-to-Assets depends on the Banks industry context. However, Liabilities-to-Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Enterprise Financial Services Group and its competitors. Enterprise Financial Services Group's current Liabilities-to-Assets is 0.92. 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?
Enterprise Financial Services Group (EFSG) has a current Liabilities-to-Assets of 0.92. The stock's GF Value™ is $21.87, compared to a current price of $32.00 — trading 46.3% above its estimated fair value. The current Liabilities-to-Assets is 0.92. 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 Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For Enterprise Financial Services Group (EFSG), the current Liabilities-to-Assets is 0.92 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 46.3% above its estimated GF Value™ of $21.87.
Key valuation signals for EFSG:
Liabilities-to-Assets: 0.92
GF Value™: $21.87 vs. price of $32.00 (46.3% above fair value)
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
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Liabilities-to-Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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