EFSC (Enterprise Financial Services) Moat Score: 6/10 (As of Jun. 27, 2026)


EFSC Enterprise Financial Services Corp EFSC
70 GF Score
Price $66.80
GF Value $63.16
Valuation Fairly Valued
! 6 Warning Signs
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What is Enterprise Financial Services Moat Score?

Enterprise Financial Services EFSC +2.01% 70 Moat Score is 6 as of Jun. 27, 2026. GuruFocus rates EFSC with a GF Score™ of 70/100 and a GF Value™ of $63.16 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,610 Banks companies, Enterprise Financial Services ranks better than 97.76% on this metric.

Enterprise Financial Services has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Enterprise Financial Services has Narrow Moat: Enterprise Financial Services Corp has a strong narrow moat with a solid regional banking presence, customer loyalty, and economies of scale. However, it lacks the breadth of a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Enterprise Financial Services might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Enterprise Financial Services  (NAS:EFSC) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Enterprise Financial Services Moat Score Related Terms

EFSC vs BANR, MBIN, TBBK: Moat Score Comparison

For the Banks - Regional subindustry, Enterprise Financial Services's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Enterprise Financial Services's Moat Score distribution charts can be found below:

* The bar in red indicates where Enterprise Financial Services's Moat Score falls into.


EFSC
70GF Score
Enterprise Financial Services Corp EFSC
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 6 mean?
Enterprise Financial Services (EFSC) has a Moat Score of 6 as of Jun. 27, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Enterprise Financial Services ranks #36 out of 1610 companies in the Banks industry, placing it in the top 2.2%.
Is Enterprise Financial Services' Moat Score too high?
Enterprise Financial Services' current Moat Score is 6. Based on the distribution chart, Enterprise Financial Services ranks #36 out of 1610 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Enterprise Financial Services has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Enterprise Financial Services' Moat Score compare to BANR and MBIN?
According to the Banks industry distribution chart, Enterprise Financial Services ranks #36 out of 1610 companies for Moat Score. This places Enterprise Financial Services in the top 2% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Enterprise Financial Services's current Moat Score is 6. 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 $63.16, compared to a current price of $66.80 — trading 5.8% above its estimated fair value. The current Moat Score is 6. Enterprise Financial Services' overall GF Score™ is 70/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Enterprise Financial Services (EFSC), the current Moat Score is 6 as of Jun. 27, 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 overvalued. The current stock price of $66.80 is trading 5.8% above its estimated GF Value™ of $63.16. GuruFocus considers Enterprise Financial Services to be Fairly Valued.

Key valuation signals for EFSC:

  • Moat Score: 6
  • GF Value™: $63.16 vs. price of $66.80 (5.8% above fair value)
  • GF Score™: 70/100 with 6 warning signs

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 Business Description

Address 150 North Meramec Avenue, Clayton, MO, USA, 63105
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.
70GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$66.80
Price
$63.16
GF Value